OBT PEER ANALYSIS

Orange County Bancorp Inc — metric-by-metric comparison with peers and the industry median

OBTOrange County Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

OBTIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	OBT	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
P/E	11.37	15.65	2.96●	9.16	—	13.38	12.88
P/B	1.72	3.99	0.71●	1.41	31,504.34	1.41	1.29
EV/EBITDA	2.32	-9.21●	2.21	-8.43	418,782.20	14.82	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OBT	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
Current Ratio	0.18	—	—	0.25●	—	0.12	0.31
Debt/Equity	11.9%	0.0%●	0.0%●	17.0%	0.0%●	209.8%	38.0%
NetDebt/EBITDA	-7.33	-20.34	-0.47	-14.68	-28.33●	5.39	-0.58

Profitability
Metric	OBT	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
Net Margin	28.3%	24.7%	54.9%●	20.1%	28.1%	25.9%	20.6%
ROE	17.9%	28.9%●	27.4%	14.9%	20.2%	10.6%	10.9%
ROA	1.7%	1.1%	3.7%●	0.8%	1.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OBT	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	61.9%	—	-1.3%	16.0%	71.8%●	16.2%	19.4%
Div. Yield	1.7%	—	—	4.8%●	—	3.2%	2.5%
Payout	18.2%	—	—	—	—	—	31.4%

Valuation
Metric	OBT	SFST	COFS	FBIZ	FFIC	BSVN	Ind. Median
P/E	11.37	14.50	9.16●	10.18	15.23	10.64	12.88
P/B	1.72	1.34	1.09	1.38	0.75●	1.83	1.29
EV/EBITDA	2.32●	13.32	7.37	4.90	15.42	—	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OBT	SFST	COFS	FBIZ	FFIC	BSVN	Ind. Median
Current Ratio	0.18	0.03	0.52	0.15	32.60	76.39●	0.31
Debt/Equity	11.9%●	69.8%	49.7%	81.7%	67.2%	—	38.0%
NetDebt/EBITDA	-7.33●	3.04	1.67	-3.11	5.72	—	-0.58

Profitability
Metric	OBT	SFST	COFS	FBIZ	FFIC	BSVN	Ind. Median
Net Margin	28.3%	17.0%	23.1%	18.2%	7.2%	31.8%●	20.6%
ROE	17.9%	9.8%	12.4%	14.3%	4.9%	18.6%●	10.9%
ROA	1.7%	0.8%	1.3%	1.2%	0.4%	2.4%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OBT	SFST	COFS	FBIZ	FFIC	BSVN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	61.9%	91.5%	676.2%●	10.3%	—	-0.0%	19.4%
Div. Yield	1.7%	—	3.3%	1.9%	5.7%●	2.1%	2.5%
Payout	18.2%	—	30.6%	21.5%	88.2%	21.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.