Head-to-head analysis: BEO Bancorp (OTCMKTS: BEOB) and Orrstown Financial Services (NASDAQ: ORRF)

BEO Bancorp (OTCMKTS:BEOB – Get Rating) and Orrstown Financial Services (NASDAQ:ORRF – Get Rating) are both small cap finance companies, but which stock is superior? We’ll compare the two companies based on earnings strength, analyst recommendations, valuation, dividends, risk, profitability and institutional ownership.


BEO Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.6%. Orrstown Financial Services pays an annual dividend of $0.76 per share and has a dividend yield of 3.1%. Orrstown Financial Services pays 27.1% of its profits as a dividend. Orrstown Financial Services has increased its dividend for 6 consecutive years. Orrstown Financial Services is clearly the best dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Recommendations

This is a breakdown of recent ratings from BEO Bancorp and Orrstown Financial Services, provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
BEO Bancorp 0 0 0 0 N / A
Orrstown Financial Services 0 0 1 0 3.00

Volatility and risk

BEO Bancorp has a beta of 0.34, suggesting its stock price is 66% less volatile than the S&P 500. In comparison, Orrstown Financial Services has a beta of 0.85, suggesting its stock price is 15 % less volatile than the S&P 500.

Benefits and evaluation

This table compares BEO Bancorp and Orrstown Financial Services revenue, earnings per share, and valuation.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
BEO Bancorp $33.57 million 1.43 $6.92 million N / A N / A
Orrstown Financial Services $122.85 million 2.21 $32.88 million $2.80 8.77

Orrstown Financial Services has higher revenue and profit than BEO Bancorp.


This table compares the net margins, return on equity and return on assets of BEO Bancorp and Orrstown Financial Services.

Net margins Return on equity return on assets
BEO Bancorp N / A N / A N / A
Orrstown Financial Services 25.31% 11.70% 1.08%

Insider and Institutional Ownership

43.8% of the shares of Orrstown Financial Services are held by institutional investors. 4.8% of the shares of Orrstown Financial Services are held by insiders of the company. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.


Orrstown Financial Services beat BEO Bancorp on 12 out of 13 factors compared between the two stocks.

About BEO Bancorp (Get an evaluation)

BEO Bancorp operates as a bank holding company for Bank of Eastern Oregon which provides commercial and consumer finance, bank and mortgage loans and other services in northeastern Oregon and southeastern Washington. The company offers checking, savings, money market, term deposits and certificates of deposit. It also offers commercial, agricultural, real estate, installment, credit card, mortgage, term, agricultural and refinance loans; Lines of credit; Internet banking and bill payment services; and ATMs and safe deposit boxes, as well as the issuance and sale of mortgages in the secondary market. BEO Bancorp was founded in 1945 and is based in Heppner, Oregon.

About Orrstown Financial Services (Get an evaluation)

Orrstown Financial Services, Inc. operates as a holding company for Orrstown Bank which provides commercial banking and trust services in the United States. The Company accepts a variety of deposits including checking, savings, term, demand and money market deposits. It also offers commercial loans, such as commercial real estate loans, equipment, buildings, working capital and other loans for commercial purposes, as well as industrial loans; consumer loans including home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides trustee, executor, administrator, guardian, managing agent, custodian and investment adviser services, as well as other fiduciary services under the Orrstown name. Financial Advisors; and offers retail brokerage services through a third party broker/dealer arrangement. In addition, it offers investment advisory, insurance and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington Counties, Maryland, and Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.

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