Which has better valuation & earnings, QFIN or OBT?

Qfin has higher revenue and earnings than Orange County Bancorp. Qfin is trading at a lower price-to-earnings ratio than Orange County Bancorp, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Qfin $2.75B 0.69 $856.52M $5.46 2.86 Orange County Bancorp $131.21M 3.61 $41.61M $3.40 10.40

Orange County Bancorp (OBT) Competitors

$35.35 -1.38 (-3.76%)

Closing price 04:00 PM Eastern

Extended Trading

$35.46 +0.11 (+0.31%)

As of 04:10 PM Eastern

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OBT vs. QFIN, LOB, TFIN, CASH, and FSUN

Should you buy Orange County Bancorp stock or one of its competitors? MarketBeat compares Orange County Bancorp with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Orange County Bancorp include Qfin (QFIN), Live Oak Bancshares (LOB), Triumph Financial (TFIN), Pathward Financial (CASH), and FirstSun Capital Bancorp (FSUN). These companies are all part of the "banking" industry.

How does Orange County Bancorp compare to Qfin?

Qfin (NASDAQ:QFIN) and Orange County Bancorp (NASDAQ:OBT) are both small-cap banking companies, but which is the better stock? We will compare the two companies based on the strength of their media sentiment, valuation, analyst recommendations, institutional ownership, dividends, profitability, earnings and risk.

Qfin has higher revenue and earnings than Orange County Bancorp. Qfin is trading at a lower price-to-earnings ratio than Orange County Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Qfin	$2.75B	0.69	$856.52M	$5.46	2.86
Orange County Bancorp	$131.21M	3.61	$41.61M	$3.40	10.40

Qfin pays an annual dividend of $1.54 per share and has a dividend yield of 9.9%. Orange County Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 2.0%. Qfin pays out 28.2% of its earnings in the form of a dividend. Orange County Bancorp pays out 21.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Qfin presently has a consensus target price of $19.91, indicating a potential upside of 27.71%. Orange County Bancorp has a consensus target price of $37.00, indicating a potential upside of 4.67%. Given Qfin's higher possible upside, equities research analysts clearly believe Qfin is more favorable than Orange County Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Qfin	2 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	1.80
Orange County Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

In the previous week, Qfin had 3 more articles in the media than Orange County Bancorp. MarketBeat recorded 4 mentions for Qfin and 1 mentions for Orange County Bancorp. Qfin's average media sentiment score of 1.87 beat Orange County Bancorp's score of 1.87 indicating that Qfin is being referred to more favorably in the media.

Company	Overall Sentiment
Qfin	Very Positive
Orange County Bancorp	Very Positive

Orange County Bancorp has a net margin of 27.54% compared to Qfin's net margin of 27.48%. Qfin's return on equity of 20.85% beat Orange County Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Qfin	27.48%	20.85%	8.71%
Orange County Bancorp	27.54%	16.09%	1.67%

74.8% of Qfin shares are owned by institutional investors. Comparatively, 42.5% of Orange County Bancorp shares are owned by institutional investors. 17.1% of Qfin shares are owned by insiders. Comparatively, 8.2% of Orange County Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Qfin has a beta of 0.61, suggesting that its share price is 39% less volatile than the broader market. Comparatively, Orange County Bancorp has a beta of 0.42, suggesting that its share price is 58% less volatile than the broader market.

Summary

Qfin beats Orange County Bancorp on 12 of the 18 factors compared between the two stocks.

How does Orange County Bancorp compare to Live Oak Bancshares?

Live Oak Bancshares (NYSE:LOB) and Orange County Bancorp (NASDAQ:OBT) are both small-cap banking companies, but which is the better business? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, risk, dividends, media sentiment and earnings.

In the previous week, Live Oak Bancshares and Live Oak Bancshares both had 1 articles in the media. Orange County Bancorp's average media sentiment score of 1.87 beat Live Oak Bancshares' score of 1.07 indicating that Orange County Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Live Oak Bancshares	Positive
Orange County Bancorp	Very Positive

Live Oak Bancshares has a beta of 1.89, meaning that its share price is 89% more volatile than the broader market. Comparatively, Orange County Bancorp has a beta of 0.42, meaning that its share price is 58% less volatile than the broader market.

Orange County Bancorp has a net margin of 27.54% compared to Live Oak Bancshares' net margin of 11.79%. Orange County Bancorp's return on equity of 16.09% beat Live Oak Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Live Oak Bancshares	11.79%	11.18%	0.86%
Orange County Bancorp	27.54%	16.09%	1.67%

Live Oak Bancshares presently has a consensus price target of $44.40, suggesting a potential upside of 16.01%. Orange County Bancorp has a consensus price target of $37.00, suggesting a potential upside of 4.67%. Given Live Oak Bancshares' higher possible upside, equities research analysts plainly believe Live Oak Bancshares is more favorable than Orange County Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Live Oak Bancshares	0 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.33
Orange County Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

64.0% of Live Oak Bancshares shares are held by institutional investors. Comparatively, 42.5% of Orange County Bancorp shares are held by institutional investors. 22.4% of Live Oak Bancshares shares are held by insiders. Comparatively, 8.2% of Orange County Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Live Oak Bancshares has higher revenue and earnings than Orange County Bancorp. Orange County Bancorp is trading at a lower price-to-earnings ratio than Live Oak Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Live Oak Bancshares	$561.04M	3.16	$105.87M	$2.61	14.66
Orange County Bancorp	$131.21M	3.61	$41.61M	$3.40	10.40

Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.3%. Orange County Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 2.0%. Live Oak Bancshares pays out 4.6% of its earnings in the form of a dividend. Orange County Bancorp pays out 21.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Orange County Bancorp beats Live Oak Bancshares on 9 of the 17 factors compared between the two stocks.

How does Orange County Bancorp compare to Triumph Financial?

Orange County Bancorp (NASDAQ:OBT) and Triumph Financial (NYSE:TFIN) are both small-cap banking companies, but which is the better investment? We will compare the two businesses based on the strength of their media sentiment, dividends, risk, analyst recommendations, profitability, institutional ownership, valuation and earnings.

In the previous week, Orange County Bancorp had 1 more articles in the media than Triumph Financial. MarketBeat recorded 1 mentions for Orange County Bancorp and 0 mentions for Triumph Financial. Orange County Bancorp's average media sentiment score of 1.87 beat Triumph Financial's score of 0.00 indicating that Orange County Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Orange County Bancorp	Very Positive
Triumph Financial	Neutral

Orange County Bancorp presently has a consensus price target of $37.00, indicating a potential upside of 4.67%. Triumph Financial has a consensus price target of $64.75, indicating a potential downside of 13.47%. Given Orange County Bancorp's stronger consensus rating and higher possible upside, research analysts plainly believe Orange County Bancorp is more favorable than Triumph Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orange County Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75
Triumph Financial	0 Sell rating(s)	6 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Orange County Bancorp has higher earnings, but lower revenue than Triumph Financial. Orange County Bancorp is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Orange County Bancorp	$131.21M	3.61	$41.61M	$3.40	10.40
Triumph Financial	$518.88M	3.43	$25.36M	$1.19	62.88

Orange County Bancorp has a net margin of 27.54% compared to Triumph Financial's net margin of 6.07%. Orange County Bancorp's return on equity of 16.09% beat Triumph Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Orange County Bancorp	27.54%	16.09%	1.67%
Triumph Financial	6.07%	3.97%	0.54%

42.5% of Orange County Bancorp shares are owned by institutional investors. Comparatively, 91.1% of Triumph Financial shares are owned by institutional investors. 8.2% of Orange County Bancorp shares are owned by company insiders. Comparatively, 5.5% of Triumph Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Orange County Bancorp has a beta of 0.42, meaning that its share price is 58% less volatile than the broader market. Comparatively, Triumph Financial has a beta of 1.39, meaning that its share price is 39% more volatile than the broader market.

Summary

Orange County Bancorp beats Triumph Financial on 12 of the 16 factors compared between the two stocks.

How does Orange County Bancorp compare to Pathward Financial?

Orange County Bancorp (NASDAQ:OBT) and Pathward Financial (NASDAQ:CASH) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, profitability, analyst recommendations, institutional ownership, media sentiment, dividends, valuation and earnings.

42.5% of Orange County Bancorp shares are held by institutional investors. Comparatively, 92.7% of Pathward Financial shares are held by institutional investors. 8.2% of Orange County Bancorp shares are held by insiders. Comparatively, 1.4% of Pathward Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Orange County Bancorp has a beta of 0.42, meaning that its stock price is 58% less volatile than the broader market. Comparatively, Pathward Financial has a beta of 0.61, meaning that its stock price is 39% less volatile than the broader market.

Pathward Financial has higher revenue and earnings than Orange County Bancorp. Pathward Financial is trading at a lower price-to-earnings ratio than Orange County Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Orange County Bancorp	$131.21M	3.61	$41.61M	$3.40	10.40
Pathward Financial	$851.49M	2.03	$185.87M	$8.42	9.74

In the previous week, Pathward Financial had 6 more articles in the media than Orange County Bancorp. MarketBeat recorded 7 mentions for Pathward Financial and 1 mentions for Orange County Bancorp. Orange County Bancorp's average media sentiment score of 1.87 beat Pathward Financial's score of 0.70 indicating that Orange County Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Orange County Bancorp	Very Positive
Pathward Financial	Positive

Orange County Bancorp has a net margin of 27.54% compared to Pathward Financial's net margin of 22.42%. Pathward Financial's return on equity of 22.35% beat Orange County Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Orange County Bancorp	27.54%	16.09%	1.67%
Pathward Financial	22.42%	22.35%	2.60%

Orange County Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 2.0%. Pathward Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.2%. Orange County Bancorp pays out 21.2% of its earnings in the form of a dividend. Pathward Financial pays out 2.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Orange County Bancorp presently has a consensus target price of $37.00, indicating a potential upside of 4.67%. Pathward Financial has a consensus target price of $107.50, indicating a potential upside of 31.05%. Given Pathward Financial's stronger consensus rating and higher probable upside, analysts clearly believe Pathward Financial is more favorable than Orange County Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orange County Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75
Pathward Financial	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Summary

Pathward Financial beats Orange County Bancorp on 11 of the 17 factors compared between the two stocks.

How does Orange County Bancorp compare to FirstSun Capital Bancorp?

FirstSun Capital Bancorp (NASDAQ:FSUN) and Orange County Bancorp (NASDAQ:OBT) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, earnings, media sentiment and institutional ownership.

42.5% of Orange County Bancorp shares are owned by institutional investors. 12.5% of FirstSun Capital Bancorp shares are owned by insiders. Comparatively, 8.2% of Orange County Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

In the previous week, FirstSun Capital Bancorp and FirstSun Capital Bancorp both had 1 articles in the media. FirstSun Capital Bancorp's average media sentiment score of 1.89 beat Orange County Bancorp's score of 1.87 indicating that FirstSun Capital Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
FirstSun Capital Bancorp	Very Positive
Orange County Bancorp	Very Positive

FirstSun Capital Bancorp has a beta of 0.4, meaning that its share price is 60% less volatile than the broader market. Comparatively, Orange County Bancorp has a beta of 0.42, meaning that its share price is 58% less volatile than the broader market.

FirstSun Capital Bancorp has higher revenue and earnings than Orange County Bancorp. Orange County Bancorp is trading at a lower price-to-earnings ratio than FirstSun Capital Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FirstSun Capital Bancorp	$569.65M	2.98	$97.94M	$3.39	10.70
Orange County Bancorp	$131.21M	3.61	$41.61M	$3.40	10.40

FirstSun Capital Bancorp presently has a consensus target price of $44.00, suggesting a potential upside of 21.28%. Orange County Bancorp has a consensus target price of $37.00, suggesting a potential upside of 4.67%. Given FirstSun Capital Bancorp's higher probable upside, analysts plainly believe FirstSun Capital Bancorp is more favorable than Orange County Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FirstSun Capital Bancorp	1 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.50
Orange County Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Orange County Bancorp has a net margin of 27.54% compared to FirstSun Capital Bancorp's net margin of 16.52%. Orange County Bancorp's return on equity of 16.09% beat FirstSun Capital Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
FirstSun Capital Bancorp	16.52%	8.80%	1.18%
Orange County Bancorp	27.54%	16.09%	1.67%

Summary

Orange County Bancorp beats FirstSun Capital Bancorp on 8 of the 15 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding OBT and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

OBT vs. The Competition

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Metric	Orange County Bancorp	BANKS Industry	Finance Sector	NASDAQ Exchange
Market Cap	$473.97M	$1.15B	$13.91B	$12.34B
Dividend Yield	2.00%	2.56%	5.75%	5.67%
P/E Ratio	10.40	18.93	20.10	24.58
Price / Sales	3.61	2.52	146.80	168.09
Price / Cash	11.06	25.23	19.50	37.92
Price / Book	1.66	1.23	2.25	6.78
Net Income	$41.61M	$75.93M	$1.14B	$337.32M
7 Day Performance	1.93%	0.92%	1.17%	2.01%
1 Month Performance	8.04%	5.42%	2.02%	3.88%
1 Year Performance	53.30%	30.87%	12.46%	32.23%

Orange County Bancorp Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
OBT Orange County Bancorp	2.9005 of 5 stars	$35.35 -3.8%	$37.00 +4.7%	+59.3%	$473.97M	$131.21M	10.40	210	Positive News
QFIN Qfin	4.9472 of 5 stars	$14.76 +3.6%	$19.91 +34.9%	-63.1%	$1.80B	$2.75B	2.71	3,557	Positive News Gap Up
LOB Live Oak Bancshares	4.5498 of 5 stars	$38.44 -0.5%	$44.40 +15.5%	N/A	$1.78B	$1.04B	14.73	1,077	Positive News
TFIN Triumph Financial	1.3565 of 5 stars	$73.22 +0.9%	$64.75 -11.6%	N/A	$1.74B	$518.88M	61.51	1,450
CASH Pathward Financial	4.4011 of 5 stars	$81.60 +0.5%	$107.50 +31.7%	+13.2%	$1.72B	$851.49M	9.70	1,182

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This page (NASDAQ:OBT) was last updated on 6/15/2026 by MarketBeat.com Staff.

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Orange County Bancorp (OBT) Competitors

OBT vs. QFIN, LOB, TFIN, CASH, and FSUN

How does Orange County Bancorp compare to Qfin?

Summary

How does Orange County Bancorp compare to Live Oak Bancshares?

Summary

How does Orange County Bancorp compare to Triumph Financial?

Summary

How does Orange County Bancorp compare to Pathward Financial?

Summary

How does Orange County Bancorp compare to FirstSun Capital Bancorp?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

OBT vs. The Competition

Orange County Bancorp Competitors List

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Stock Ideas and Recommendations

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About MarketBeat

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Terms & Info

Orange County Bancorp (OBT) Competitors

OBT vs. QFIN, LOB, TFIN, CASH, and FSUN

How does Orange County Bancorp compare to Qfin?

Which has better valuation & earnings, QFIN or OBT?

Is QFIN or OBT a better dividend stock?

Do analysts recommend QFIN or OBT?

Does the media refer more to QFIN or OBT?

Is QFIN or OBT more profitable?

Do insiders & institutionals believe in QFIN or OBT?

Which has more risk & volatility, QFIN or OBT?

Summary

How does Orange County Bancorp compare to Live Oak Bancshares?

Does the media refer more to LOB or OBT?

Which has more risk & volatility, LOB or OBT?

Is LOB or OBT more profitable?

Do analysts prefer LOB or OBT?

Do insiders and institutionals hold more shares of LOB or OBT?

Which has preferable earnings & valuation, LOB or OBT?

Is LOB or OBT a better dividend stock?

Summary

How does Orange County Bancorp compare to Triumph Financial?

Does the media refer more to OBT or TFIN?

Do analysts prefer OBT or TFIN?

Which has better valuation & earnings, OBT or TFIN?

Is OBT or TFIN more profitable?

Do insiders & institutionals believe in OBT or TFIN?

Which has more risk and volatility, OBT or TFIN?

Summary

How does Orange County Bancorp compare to Pathward Financial?

Do institutionals & insiders have more ownership in OBT or CASH?

Which has more volatility and risk, OBT or CASH?

Which has higher earnings and valuation, OBT or CASH?

Does the media prefer OBT or CASH?

Is OBT or CASH more profitable?

Is OBT or CASH a better dividend stock?

Do analysts prefer OBT or CASH?

Summary

How does Orange County Bancorp compare to FirstSun Capital Bancorp?

Do insiders & institutionals hold more shares of FSUN or OBT?

Does the media favor FSUN or OBT?

Which has more volatility and risk, FSUN or OBT?

Which has stronger earnings & valuation, FSUN or OBT?

Do analysts recommend FSUN or OBT?

Is FSUN or OBT more profitable?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

OBT vs. The Competition

Orange County Bancorp Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools