Orgasm?

I’m a virgin. When I masturbate I only use my fingers on my clit and rub my nipples. When I do I build up to this feeling where I’m breathing heavy and feel like bucking my hips. It builds up and then releases kind of like a wave crashing. But it doesn’t feel super intense. I’ve never been like moaning with pleasure and it only lasts for a few seconds. I can go again pretty much right away but it takes longer to build and isn’t as intense. Is this orgasming? From the way other girls talk about it I feel like it should be more. Is it different during sex with penetration?