Orrstown Financial Services (ORRF) vs River City Bank (RCBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
River City Bank (RCBC) has outperformed Orrstown Financial Services (ORRF) over the past year, gaining 41.9% versus a gain of 21.1%. Over five years, RCBC leads with a +95.2% price change compared with +70.9% for ORRF. Orrstown Financial Services is the larger company by market cap ($802.9 million vs $764.8 million), about 1.0 times the size.
On valuation, Orrstown Financial Services trades at a lower forward P/E (9.3x vs 11.0x for River City Bank). Orrstown Financial Services offers the higher dividend yield (2.79% vs 0.35%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ORRF | RCBC |
|---|---|---|
| Share price | $40.82 | $54.65 |
| Market cap | $802.91M | $764.82M |
| 1-day change | -1.23% | -0.09% |
| YTD return | +15.25% | +24.54% |
| 1-year return | +21.09% | +41.95% |
| 5-year return | +70.94% | +95.18% |
| P/E ratio (TTM) | 9.26 | 11.65 |
| Forward P/E | 9.28 | 11.02 |
| EPS (TTM) | $4.41 | $4.69 |
| Dividend yield | 2.79% | 0.35% |
| Annual dividend | $1.14 | $0.19 |
| 52-week high | $43.81 | $55.77 |
| 52-week low | $31.87 | $38.20 |
| Distance from 52-week high | -6.82% | -2.01% |
| Analyst consensus | buy | none |
| Avg. price target upside | +12.08% | +2.47% |
| Average volume | 104.22K | 58.40K |
| Shares outstanding | 19.67M | 13.99M |
| Employees | 627 | — |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- RCBC has outperformed ORRF by 20.9 percentage points over the past year.
- River City Bank trades at a higher earnings multiple (11.7x vs 9.3x trailing P/E).
- Orrstown Financial Services offers a meaningfully higher dividend yield (2.79% vs 0.35%).
About Orrstown Financial Services
ORRF stock →Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States.
Financial Services · Banks - Regional · 627 employees
About River City Bank
RCBC stock →River City Bank, together with its subsidiaries, provides various banking products and services. The company offers checking, savings, and term certificate accounts.
Financial Services · Banks - Regional
ORRF vs RCBC FAQ
Which is bigger, Orrstown Financial Services or River City Bank?
Orrstown Financial Services (ORRF) is larger, with a market capitalization of $802.91M compared with $764.82M for River City Bank (RCBC).
Which stock has performed better over the past year, ORRF or RCBC?
RCBC returned +41.95% over the past 12 months, compared with +21.09% for ORRF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ORRF or RCBC?
ORRF has the lower trailing P/E at 9.3, versus 11.7 for RCBC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Orrstown Financial Services or River City Bank?
Orrstown Financial Services has the higher yield at 2.79%, compared with 0.35% for River City Bank.
Are Orrstown Financial Services and River City Bank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.