Northpointe Bancshares, Inc. (NPB) vs Orange County Bancorp, Inc. (OBT)

Northpointe Bancshares, Inc. and Orange County Bancorp, Inc. are both Banks Regional companies. Northpointe Bancshares, Inc. and Orange County Bancorp, Inc. are of similar size ($530.8M and $501.2M). Northpointe Bancshares, Inc. trades at the lower P/E: 6.5× against 10.7×. Northpointe Bancshares, Inc. grew revenue faster over the last twelve months: 19.7% against 3.32%. Orange County Bancorp, Inc. has the higher net margin (30.8% vs 16.1%) and the higher return on invested capital (523.6% vs 4.38%). Across the 17 metrics below, Orange County Bancorp, Inc. leads on 9 and Northpointe Bancshares, Inc. on 8.

Valuation

Metric NPB OBT Banks Regional median
P/E 6.54 10.65 12.15
P/S 1.05 3.29 2.37
P/B 0.87 1.65 1.21
Price to free cash flow 5.20 7.83 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.21 1.34 2.27
Earnings yield 15.29% 9.39% 8.11%
Free cash flow yield 19.24% 12.78% 8.98%

Profitability

Metric NPB OBT Banks Regional median
Gross margin 50.82% 82.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.10% 30.80% 18.66%
Free cash flow margin 20.29% 42.03% 21.18%
Return on equity 13.41% 16.95% 10.64%
Return on assets 1.17% 1.75% 1.13%
Return on invested capital 4.38% 523.60% 8.33%

Growth

Metric NPB OBT Banks Regional median
Revenue growth (TTM) 19.68% 3.32% 6.61%
EPS growth (last fiscal year) 15.30% 34.82% —
Revenue growth, 5-year CAGR — 19.50% 12.30%
Net income growth, 5-year CAGR — 28.93% 9.71%

Health

Metric NPB OBT Banks Regional median
Debt to equity 2.66 0.11 0.22
Current ratio 1.40 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NPB OBT Banks Regional median
Dividend yield — 1.79% 3.75%
Payout ratio — 0.17 0.27

Size

Metric NPB OBT Banks Regional median
Market cap 530.83m 501.19m 921.07m

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