Colony Bankcorp, Inc. (CBAN) vs Orange County Bancorp, Inc. (OBT)

Colony Bankcorp, Inc. and Orange County Bancorp, Inc. are both Banks Regional companies. Colony Bankcorp, Inc. and Orange County Bancorp, Inc. are of similar size ($546.8M and $534.6M). Colony Bankcorp, Inc. trades at the lower P/E: 11.1× against 11.1×. Colony Bankcorp, Inc. grew revenue faster over the last twelve months: 21.2% against 3.32%. Orange County Bancorp, Inc. has the higher net margin (30.8% vs 16.7%) and the higher return on invested capital (523.6% vs 0.00%). Both pay a dividend; Orange County Bancorp, Inc. yields more (1.82% vs 1.78%). Across the 18 metrics below, Orange County Bancorp, Inc. leads on 14 and Colony Bankcorp, Inc. on 4.

Valuation

Metric CBAN OBT Banks Regional median
P/E 11.12 11.12 11.87
P/S 1.92 3.43 2.35
P/B 1.10 1.72 1.23
Price to free cash flow 30.80 8.16 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.00% 9.00% 8.34%
Free cash flow yield 3.25% 12.25% 9.37%

Profitability

Metric CBAN OBT Banks Regional median
Gross margin 72.09% 82.32% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.71% 30.80% 18.99%
Free cash flow margin 6.80% 42.03% 18.19%
Return on equity 10.78% 16.95% 10.45%
Return on assets 1.10% 1.75% 1.15%
Return on invested capital 0.00% 523.60% 8.54%

Growth

Metric CBAN OBT Banks Regional median
Revenue growth (TTM) 21.22% 3.32% 6.56%
EPS growth (last fiscal year) 16.91% 34.82% 18.85%
Revenue growth, 5-year CAGR 16.84% 19.50% 12.65%
Net income growth, 5-year CAGR 19.05% 28.93% 9.81%

Health

Metric CBAN OBT Banks Regional median
Debt to equity 0.67 0.11 0.14
Current ratio 0.00 0.93 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBAN OBT Banks Regional median
Dividend yield 1.78% 1.82% 2.51%
Payout ratio 0.20 0.20 0.30

Size

Metric CBAN OBT Banks Regional median
Market cap 546.77m 534.57m 915.17m

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