Is ONBPP or ORRF more undervalued in 2026?

CirclFi compares Old National Bancorp - Deposita (ONBPP) and Orrstown Financial Services, In (ORRF) using 13 institutional-grade valuation models. ONBPP has a Quality of Company score of 5.9/10 while ORRF scores 9.6/10.

Which is a better buy — ONBPP or ORRF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ONBPP and ORRF valuations compare?

ONBPP at $24.77 and ORRF at $37.13 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ONBPP vs ORRF Valuation Comparison 2026 — Intrinsic Value Analysis

ONBPP

Banks - Regional

Old National Bancorp - Deposita

Quality

5.9

out of 10

Value Trap

SAFE

Price

$24.77

Last close

Models

11/13

Active

ORRF

Banks - Regional

Orrstown Financial Services, In

Quality

9.6

out of 10

Value Trap

SAFE

Price

$37.13

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	ONBPP Fair Value	ONBPP Upside	ORRF Fair Value	ORRF Upside
Bayesian DCF	Intrinsic	$23.23	-6.2%	$22.92	-38.3%
Earnings Power Value	Intrinsic	$20.04	-19.1%	$47.91	+29.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ONBPP vs ORRF — Which Stock Is More Undervalued?

ORRF scores higher with a 9.6/10 quality rating vs ONBPP's 5.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Old National Bancorp - Deposita (ONBPP) and Orrstown Financial Services, In (ORRF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ONBPP currently trades at $24.77 with a QOC of 5.9/10, while ORRF trades at $37.13 with a QOC of 9.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).