Orrstown Financial Services (ORRF) vs SmartFinancial (SMBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
SmartFinancial (SMBK) has outperformed Orrstown Financial Services (ORRF) over the past year, gaining 43.1% versus a gain of 21.1%. Over five years, SMBK leads with a +93.5% price change compared with +70.9% for ORRF. SmartFinancial is the larger company by market cap ($859.5 million vs $809.3 million), about 1.1 times the size.
On valuation, Orrstown Financial Services trades at a lower forward P/E (9.4x vs 12.0x for SmartFinancial). Orrstown Financial Services offers the higher dividend yield (2.77% vs 0.66%).
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 | SMBK |
|---|---|---|
| Share price | $41.15 | $50.27 |
| Market cap | $809.31M | $859.54M |
| 1-day change | +0.80% | +0.46% |
| YTD return | +15.25% | +35.28% |
| 1-year return | +21.09% | +43.05% |
| 5-year return | +70.94% | +93.50% |
| P/E ratio (TTM) | 9.25 | 14.83 |
| Forward P/E | 9.35 | 12.00 |
| EPS (TTM) | $4.45 | $3.39 |
| Dividend yield | 2.77% | 0.66% |
| Annual dividend | $1.14 | $0.33 |
| 52-week high | $43.81 | $54.14 |
| 52-week low | $31.87 | $33.01 |
| Distance from 52-week high | -6.08% | -7.15% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +11.19% | +4.85% |
| Average volume | 103.59K | 122.26K |
| Shares outstanding | 19.67M | 17.10M |
| Employees | 627 | 581 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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
- SMBK has outperformed ORRF by 22.0 percentage points over the past year.
- SmartFinancial trades at a higher earnings multiple (14.8x vs 9.2x trailing P/E).
- Orrstown Financial Services offers a meaningfully higher dividend yield (2.77% vs 0.66%).
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.
Finance · Major Banks · 627 employees
About SmartFinancial
SMBK stock →SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States.
Finance · Major Banks · 581 employees
ORRF vs SMBK FAQ
Which is bigger, Orrstown Financial Services or SmartFinancial?
SmartFinancial (SMBK) is larger, with a market capitalization of $859.54M compared with $809.31M for Orrstown Financial Services (ORRF).
Which stock has performed better over the past year, ORRF or SMBK?
SMBK returned +43.05% 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 SMBK?
ORRF has the lower trailing P/E at 9.2, versus 14.8 for SMBK. 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 SmartFinancial?
Orrstown Financial Services has the higher yield at 2.77%, compared with 0.66% for SmartFinancial.
Are Orrstown Financial Services and SmartFinancial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.