Orrstown Financial Services (NASDAQ:ORRF) and AGI (NYSE:AGBK) Head-To-Head Comparison

AGI (NYSE:AGBK) and Orrstown Financial Services (NASDAQ:ORRF) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, valuation, analyst recommendations, profitability, dividends, institutional ownership and risk.

Insider and Institutional Ownership

44.3% of Orrstown Financial Services shares are owned by institutional investors. 4.3% of Orrstown Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Valuation & Earnings

This table compares AGI and Orrstown Financial Services”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AGI	$6.42 billion	0.15	$185.88 million	$0.59	10.51
Orrstown Financial Services	$356.05 million	2.44	$80.86 million	$4.49	9.84

AGI has higher revenue and earnings than Orrstown Financial Services. Orrstown Financial Services is trading at a lower price-to-earnings ratio than AGI, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of current ratings for AGI and Orrstown Financial Services, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AGI	2	1	6	0	2.44
Orrstown Financial Services	0	2	3	0	2.60

AGI presently has a consensus price target of $14.00, indicating a potential upside of 125.81%. Orrstown Financial Services has a consensus price target of $44.33, indicating a potential upside of 0.30%. Given AGI’s higher probable upside, equities research analysts plainly believe AGI is more favorable than Orrstown Financial Services.

Profitability

This table compares AGI and Orrstown Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
AGI	N/A	N/A	N/A
Orrstown Financial Services	24.23%	14.42%	1.56%

Summary

Orrstown Financial Services beats AGI on 8 of the 13 factors compared between the two stocks.

About AGI

Agibank S.A. is a Brazilian financial services company that combines digital banking with a network of physical service locations. Its offerings include digital accounts, payment services, cards, personal credit and insurance, with a focus on serving individuals across Brazil. The company is particularly known for payroll-deductible loans, including credit products for retirees and public-sector employees. Agibank traces its origins to Agiplan, established in 1999, and adopted the Agibank name as it expanded its digital banking operations.

About Orrstown Financial Services

Orrstown Financial Services, Inc. is a bank holding company headquartered in Shippensburg, Pennsylvania. Through Orrstown Bank, it provides commercial and consumer banking services to individuals, businesses and organizations. Its services include deposit accounts, commercial and consumer loans, residential mortgages and other lending products. The company also offers wealth management and trust services. Orrstown serves communities in south-central Pennsylvania and Maryland. Its business expanded in 2024 through the completion of a merger with Codorus Valley Bancorp, another Pennsylvania-based bank holding company.