MA vs ORRF: Which Is the Better Dividend Stock?
As of Oct 18, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. ORRF offers the higher yield at 2.88%, MA has the higher dividend-safety score, and ORRF looks like the better value (its fair-value estimate is 18% below its share price).
Key facts: MA vs ORRF
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Orrstown Financial Services, Inc. (ORRF) has the higher forward dividend yield at 2.88%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades MA's dividend safety A (89/100) and ORRF's A (80/100).
- By SmarterDividends' count as of Oct 18, 2026, MA has raised its dividend for 14 consecutive years and ORRF for 10.
- As of Oct 18, 2026, MA pays out 18% of its earnings as dividends and ORRF pays out 26%.
- As of Oct 18, 2026, MA's fair-value estimate is 23% below its share price and ORRF's fair-value estimate is 18% below its share price, so ORRF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MA vs ORRF: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/ma-vs-orrf
| Metric | MA | ORRF |
|---|---|---|
| Forward yield | 0.56% | 2.88% |
| Annual dividend | $3.48 | $1.20 |
| Payout ratio | 18% | 26% |
| Years of growth | 14 yr | 10 yr |
| 5-yr dividend growth | 13.7% | 9.3% |
| 5-yr total return | 96% | 78% |
| Dividend safety score | 89 (A) | 80 (A) |
| Fair value estimate | $474.95 | $34.28 |
| Upside to fair value | -23% | -18% |
| Frequency | quarterly | quarterly |
| Market cap | $540.9B | $819.4M |
| P/E ratio | 34.0 | 9.4 |
Higher yield
ORRF
2.88%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
ORRF
-18% upside
MA vs ORRF — FAQ
Is MA or ORRF a better dividend stock?
On the data, MA wins more head-to-head categories (6 vs 2). ORRF offers the higher yield (2.88%), while MA has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, MA or ORRF?
ORRF has the higher forward dividend yield at 2.88%, versus 0.56% for MA.
Is MA or ORRF safer?
MA has the higher dividend-safety score (89/100 vs 80/100), reflecting stronger payout coverage and dividend-growth history.
Is MA or ORRF better value right now?
As of Oct 18, 2026, ORRF looks like the better value: its fair-value estimate is 18% below its share price (overvalued). For MA, its fair-value estimate is 23% below its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.