GS
The Goldman Sachs Group, Inc.
GS has the edge over ORRF overall, supported by stronger valuation and stronger fundamentals.
ORRF
Orrstown Financial Services, Inc.
ORRF offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
ORRF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ORRF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ORRF.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
ORRF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $34.06 | -23% |
| Fair | 9.1x | $40.84 | -7.4% |
| Forward | 9.6x | $44.10 | — |
| Current | 9.8x | $44.10 | — |
| Expensive | 15x | $69.33 | +57% |
Historical ranges are pointers, not guarantees.
ORRF has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
ORRF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ORRF, with profitability improving.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.
ORRF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.58 | +2% |
| Q3 2026 | $4.49 | +31% |
| Q2 2026 | $4.45 | +137% |
| Q1 2026 | $4.37 | +173% |
| Q4 2025 | $4.18 | +182% |
| Q3 2025 | $3.42 | +83% |
| Q2 2025 | $1.88 | -40% |
| Q1 2025 | $1.60 | -52% |
| Q4 2024 | $1.48 | -57% |
ORRF earned $4.49 per share over the past year, up 31% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
ORRF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $66.7M | +3.6% |
| Q2 2026 | $62.7M | +0.4% |
| Q1 2026 | $64.6M | +7% |
| Q4 2025 | $64.9M | +5% |
| Q3 2025 | $64.4M | +0.4% |
| Q2 2025 | $62.4M | +88% |
| Q1 2025 | $60.4M | +80% |
| Q4 2024 | $61.8M | +90% |
ORRF's revenue has grown year over year for nine quarters in a row: $67M last quarter, up 3.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | -0.5 points |
| Q2 2026 | 39% | -0.2 points |
| Q1 2026 | 43% | +4.9 points |
| Q4 2025 | 42% | +15 points |
| Q3 2025 | 43% | +58 points |
| Q2 2025 | 40% | +10 points |
| Q1 2025 | 38% | +5.6 points |
| Q4 2024 | 28% | -2.1 points |
ORRF has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
ORRF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.9M | -118% |
| Q2 2026 | $22.4M | -5.4% |
| Q1 2026 | $25.1M | +191% |
| Q4 2025 | $15.9M | +119% |
| Q3 2025 | $22.3M | +213% |
| Q2 2025 | $23.7M | +270% |
| Q1 2025 | $8.6M | -31% |
| Q4 2024 | $7.2M | -45% |
ORRF has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over ORRF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
ORRF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +72K shares |
| 1 year | +0.7% | +140K shares |
| 3 years | +87% | +9.1M shares |
| 5 years | +76% | +8.4M shares |
| Available history | +86% | +9M shares |
ORRF has 20M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $429,000 |
| Q4 2025 | $169,000 |
| Q3 2025 | $29,000 |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
ORRF has spent almost nothing on buybacks in the past year.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over ORRF on leverage, with a lower net debt burden relative to earnings.
ORRF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.1x | Very low |
| Q4 2024 | 1.5x | Healthy |
ORRF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ORRF.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
ORRF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.5 | Neutral |
| Stochastic | 66.2 | Neutral |
ORRF's weekly RSI is 63 (neutral) and its Stochastic is 66 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
ORRF PE vs Financial Services Sector
| Metric | ORRF | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 65 | 63 | 2 pts above |
ORRF has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
ORRF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $42.8 | 3.1% above |
| 20 week MA | $42.4 | 4.1% above |
| 50 week MA | $39.1 | 13% above |
| 100 week MA | $36.0 | 23% above |
| 200 week MA | $31.1 | 42% above |
ORRF has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
ORRF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.8 | $16.9 | -26% |
| 2021 | $16.9 | $24.4 | +45% |
| 2022 | $24.4 | $23.8 | -2.8% |
| 2023 | $23.8 | $29.5 | +24% |
| 2024 | $29.5 | $36.5 | +24% |
| 2025 | $36.5 | $35.9 | -1.5% |
| 2026 YTD | $35.9 | $44.1 | +23% |
ORRF has the edge over GS on returns for 2026, with the stronger performance.