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Compare stocks and their fundamentals, performance, price, and technicals. Use this free stock comparison tool to evaluate companies based on their analyst ratings, book value, debt, dividend, MarketRank, news sentiment, price performance, profitability, and more. Enter up to ten stock symbols separated by a comma or space (ex. BAC, JPM, WFC, C, GS).

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

Company	Current Price	50-Day Moving Average	52-Week Range	Market Cap	Beta	Avg. Volume	Today's Volume
OBT Orange County Bancorp	$45.60 -0.9%	$45.76	$26.88 ▼ $64.01	$258.10M	0.25	4,793 shs	6,625 shs
QD Qudian	$2.30 +1.3%	$2.42	$1.15 ▼ $2.60	$534.18M	0.74	968,842 shs	329,143 shs
VEL Velocity Financial	$16.11 -1.2%	$16.70	$8.11 ▼ $19.08	$531.47M	1.04	22,100 shs	9,190 shs
XYF X Financial	$3.80 +0.3%	$4.08	$3.02 ▼ $5.00	$182.36M	0.24	19,772 shs	3,382 shs

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Price Performance

Company	1-Day Performance	7-Day Performance	30-Day Performance	90-Day Performance	1-Year Performance
OBT Orange County Bancorp	-0.87%	-0.87%	+2.24%	-7.51%	+4.83%
QD Qudian	-2.79%	-9.40%	-9.76%	+3.66%	+85.66%
VEL Velocity Financial	-1.17%	-0.68%	-11.68%	+2.68%	+80.81%
XYF X Financial	-0.79%	-0.92%	-15.59%	-5.25%	+11.14%

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MarketRank™

Company	Overall Score	Analyst's Opinion	Short Interest Score	Dividend Strength	ESG Score	News and Social Media Sentiment	Company Ownership	Earnings & Valuation
OBT Orange County Bancorp	3.885 of 5 stars	2.5	5.0	2.5	0.0	3.2	1.7	2.5
QD Qudian	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
VEL Velocity Financial	0.77 of 5 stars	1.4	1.0	0.0	0.0	2.1	1.7	2.5
XYF X Financial	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Analyst Ratings

Company	Consensus Rating Score	Consensus Rating	Consensus Price Target	% Upside from Current Price
OBT Orange County Bancorp	3.00	Buy	$51.00	11.84% Upside
QD Qudian	N/A	N/A	N/A	N/A
VEL Velocity Financial	2.75	Moderate Buy	$15.88	-1.46% Downside
XYF X Financial	N/A	N/A	N/A	N/A

Current Analyst Ratings

Latest QD, OBT, VEL, and XYF Analyst Ratings

Date	Company	Brokerage	Action	Rating	Price Target	Details
3/15/2024	VEL Velocity Financial	Raymond James Subscribe to MarketBeat All Access for the recommendation accuracy rating	Reiterated Rating	Outperform ➝ Outperform	$17.50 ➝ $20.00

(Data available from 4/18/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

Company	Annual Revenue	Price/Sales	Cashflow	Price/Cash	Book Value	Price/Book
OBT Orange County Bancorp	$131.19M	1.97	$6.44 per share	7.08	$29.27 per share	1.56
QD Qudian	$17.79M	30.03	N/A	N/A	$7.09 per share	0.32
VEL Velocity Financial	$107.75M	4.93	$2.24 per share	7.19	$13.33 per share	1.21
XYF X Financial	$678.16M	0.27	$2.48 per share	1.53	$17.16 per share	0.22

Profitability & Earnings

Company	Net Income	EPS	Trailing P/E Ratio	Forward P/E Ratio	P/E Growth	Net Margins	Return on Equity (ROE)	Return on Assets (ROA)	Next Earnings Date
OBT Orange County Bancorp	$29.48M	$5.23	8.72	7.72	N/A	22.47%	22.06%	1.35%	5/6/2024 (Estimated)
QD Qudian	$5.51M	$0.01	230.00	∞	N/A	47.30%	0.49%	0.47%	6/10/2024 (Estimated)
VEL Velocity Financial	$52.27M	$1.52	10.60	8.85	N/A	48.51%	12.91%	1.31%	5/2/2024 (Confirmed)
XYF X Financial	$167.16M	$3.38	1.12	∞	N/A	24.64%	22.42%	11.59%	5/22/2024 (Estimated)

Latest QD, OBT, VEL, and XYF Earnings

Date	Quarter	Company	Consensus Estimate	Reported EPS	Beat/Miss	Gap EPS	Revenue Estimate	Actual Revenue
5/2/2024	N/A	VEL Velocity Financial	$0.40	N/A	-$0.40	N/A	N/A	N/A
3/26/2024	Q4 2023	XYF X Financial	N/A	$0.64	+$0.64	$0.74	N/A	$167.98 million
3/18/2024	Q4 2023	QD Qudian	N/A	-$0.08	-$0.08	-$0.08	N/A	$8.99 million
3/7/2024	Q4 2023	VEL Velocity Financial	$0.36	$0.46	+$0.10	$0.42	$28.50 million	$30.72 million
1/31/2024	Q4 2023	OBT Orange County Bancorp	$1.41	$1.44	+$0.03	$1.44	$24.60 million	$25.89 million

Dividends

Company	Annual Payout	Dividend Yield	3-Year Dividend Growth	Payout Ratio	Years of Consecutive Growth
OBT Orange County Bancorp	$0.92	2.02%	N/A	17.59%	N/A
QD Qudian	N/A	N/A	N/A	N/A	N/A
VEL Velocity Financial	N/A	N/A	N/A	N/A	N/A
XYF X Financial	N/A	N/A	N/A	N/A	N/A

Latest QD, OBT, VEL, and XYF Dividends

Announcement	Company	Period	Amount	Yield	Ex-Dividend Date	Record Date	Payable Date
3/26/2024	XYF X Financial	Semi-Annual	$0.17		5/9/2024	5/10/2024	5/31/2024
2/15/2024	OBT Orange County Bancorp	quarterly	$0.23	2%	3/1/2024	3/4/2024	3/15/2024

(Data available from 1/1/2013 forward)

Debt

Company	Debt-to-Equity Ratio	Current Ratio	Quick Ratio
OBT Orange County Bancorp	1.54	0.91	0.91
QD Qudian	N/A	13.47	15.99
VEL Velocity Financial	8.03	35.90	35.90
XYF X Financial	N/A	1.81	1.90

Ownership

Institutional Ownership

Company	Institutional Ownership
OBT Orange County Bancorp	42.55%
QD Qudian	8.10%
VEL Velocity Financial	97.49%
XYF X Financial	1.15%

Insider Ownership

Company	Insider Ownership
OBT Orange County Bancorp	10.50%
QD Qudian	25.70%
VEL Velocity Financial	4.00%
XYF X Financial	31.58%

Miscellaneous

Company	Employees	Shares Outstanding	Free Float	Optionable
OBT Orange County Bancorp	204	5.66 million	5.06 million	Not Optionable
QD Qudian	215	232.25 million	172.56 million	Optionable
VEL Velocity Financial	253	32.99 million	31.67 million	Optionable
XYF X Financial	461	47.99 million	32.83 million	Not Optionable

QD, OBT, VEL, and XYF Headlines

Source	Headline
	X Games Will Host Women Freestyle BMX For The First Time msn.com - April 10 at 7:44 PM
	Elon Musk admits he 'may have done more to financially impair' X than to help it msn.com - April 9 at 5:28 PM
	X Expands Community Features, Including Designation for NSFW Content digitalmarketreports.com - March 30 at 9:37 PM
	X confirms plans for NSFW Communities yahoo.com - March 30 at 9:37 PM
	X Financial (NYSE:XYF) Q4 2023 Earnings Call Transcript finance.yahoo.com - March 28 at 11:58 AM
	X Financial (NYSE:XYF) Plans $0.17 Semi-Annual Dividend marketbeat.com - March 28 at 7:52 AM
	Q4 2023 X Financial Earnings Call finance.yahoo.com - March 28 at 6:58 AM
	Noah, X Financial among financial movers msn.com - March 27 at 1:02 PM
	X Financial (NYSE:XYF) Issues Quarterly Earnings Results marketbeat.com - March 27 at 9:30 AM
	X Financial Non-GAAP EPADS of $0.67, revenue of $168M; initiates Q1 outlook msn.com - March 27 at 8:01 AM
	XYF Stock Earnings: X Financial Reported Results for Q4 2023 investorplace.com - March 26 at 10:01 PM
	X Financial Reports Fourth Quarter and Fiscal Year 2023 Unaudited Financial Results prnewswire.com - March 26 at 4:50 PM
	X Financial to Report Fourth Quarter and Fiscal Year 2023 Financial Results on March 27, 2024 prnewswire.com - March 21 at 6:00 AM
	X will launch a YouTube-like video app on Samsung and Amazon TVs yahoo.com - March 12 at 9:00 AM
	Elon Musk’s X to launch app for smart TVs ‘identical’ to YouTube TV: report msn.com - March 12 at 9:00 AM
	Musk says X could soon receive payment licenses in New York, California msn.com - March 8 at 12:58 PM
	X Users React to 2020 Survey About People Not Believing Hard Work Leads to a Better Life msn.com - March 5 at 1:37 PM
	X-Files Creator Gives Update On Ryan Coogler Reboot & Addresses Potential Revival yahoo.com - February 28 at 3:01 PM
	FalconX, a Digital Asset Prime Broker, Partners with Fusion Digital Assets crowdfundinsider.com - February 5 at 6:54 PM
	BELAY Acquires Scale Finance to Expand Fractional Financial Services markets.businessinsider.com - January 31 at 1:53 PM
	X Series 012 Live Stream — Watch Ed Matthews, Elle Brooke, and More yahoo.com - January 20 at 1:19 PM
	X removes support for NFT profile pictures techcrunch.com - January 10 at 2:26 PM
	Top 4 Financial Stocks That May Implode This Quarter markets.businessinsider.com - January 5 at 9:05 AM
	Fidelity has marked down value of X by 71.5 percent since Musk takeover news.yahoo.com - January 2 at 3:22 PM

New MarketBeat Followers Over Time

Media Sentiment Over Time

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All Headlines

Company Descriptions

Orange County Bancorp

NASDAQ:OBT

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. It accepts various deposit products, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services. The company operates full-service branches in Orange, Westchester, Rockland, and Bronx counties in New York, as well as loan production office. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

Qudian

NYSE:QD

Qudian Inc. operates as a consumer-oriented technology company in the People's Republic of China. It engages in the operation of online platforms to provide small consumer credit products, as well as provides technology development and services and research and development services. The company was founded in 2014 and is headquartered in Xiamen, the People's Republic of China.

Velocity Financial

NYSE:VEL

Velocity Financial, Inc. operates as a real estate finance company in the United States. It originates, securitizes, and manages a portfolio of loans, which are secured by first mortgage liens on income-producing and/or owner/user commercial properties, including investor 1-4, a non-owner occupied residential rental properties with 1-4 units; residential apartments combined with office or retail space; and multi-family comprising traditional apartment buildings, condominiums, and other residential properties with 5+ units. The company also finances for retail properties with various types of retail products and merchandise or services; commercial properties occupied by professional or business offices; and warehouse and other properties, which include self-storage units, auto services, hospitality, light industrial, and other commercial enterprises, as well as provides short-term and interest-only loans for acquisition and improvement of 1-4-unit residential properties. It offers its products through a network of independent mortgage brokers for independent real estate investors and small business owners. The company was founded in 2004 and is headquartered in Westlake Village, California.

X Financial

NYSE:XYF

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.

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