Is OPHC or ORRF more undervalued in 2026?

CirclFi compares OptimumBank Holdings, Inc. (OPHC) and Orrstown Financial Services, In (ORRF) using 13 institutional-grade valuation models. OPHC has a Quality of Company score of 8.8/10 while ORRF scores 9.6/10.

Which is a better buy — OPHC 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 OPHC and ORRF valuations compare?

OPHC at $5.55 and ORRF at $37.13 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OPHC vs ORRF Valuation Comparison 2026 — Intrinsic Value Analysis

OPHC

Banks - Regional

OptimumBank Holdings, Inc.

Quality

8.8

out of 10

Value Trap

SAFE

Price

$5.55

Last close

Models

9/13

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	OPHC Fair Value	OPHC Upside	ORRF Fair Value	ORRF Upside
Bayesian DCF	Intrinsic	$0.82	-85.3%	$22.92	-38.3%
Earnings Power Value	Intrinsic	$7.81	+40.8%	$47.91	+29.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for OPHC vs ORRF — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

OPHC vs ORRF — Which Stock Is More Undervalued?

ORRF scores higher with a 9.6/10 quality rating vs OPHC's 8.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing OptimumBank Holdings, Inc. (OPHC) 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.

OPHC currently trades at $5.55 with a QOC of 8.8/10, 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).