Orange County Bancorp, Inc. (OBT) vs Private Bancorp of America, Inc. (PBAM)

Orange County Bancorp, Inc. and Private Bancorp of America, Inc. are both Banks Regional companies. Orange County Bancorp, Inc. is the larger, with a market value of $534.6M against $482.0M — 1.1× the size. Private Bancorp of America, Inc. trades at the lower P/E: 10.8× against 11.2×. Private Bancorp of America, Inc. grew revenue faster over the last twelve months: 3.55% against 3.32%. Orange County Bancorp, Inc. has the higher net margin (30.8% vs 25.3%) and the higher return on invested capital (523.6% vs 0.00%). Across the 18 metrics below, Private Bancorp of America, Inc. leads on 12 and Orange County Bancorp, Inc. on 6.

Valuation

Metric OBT PBAM Banks Regional median
P/E 11.21 10.81 12.02
P/S 3.46 2.73 2.36
P/B 1.74 1.68 1.23
Price to free cash flow 8.23 3.94 10.60
EV/EBITDA — n/m —
EV/Sales — 0.97 —
Earnings yield 8.92% 9.25% 8.21%
Free cash flow yield 12.14% 25.41% 9.23%

Profitability

Metric OBT PBAM Banks Regional median
Gross margin 82.32% 75.85% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.80% 25.34% 18.82%
Free cash flow margin 42.03% 69.32% 17.97%
Return on equity 16.95% 16.70% 10.28%
Return on assets 1.75% 1.72% 1.13%
Return on invested capital 523.60% 0.00% 8.45%

Growth

Metric OBT PBAM Banks Regional median
Revenue growth (TTM) 3.32% 3.55% 6.37%
EPS growth (last fiscal year) 34.82% 12.52% 18.85%
Revenue growth, 5-year CAGR 19.50% 22.57% 12.65%
Net income growth, 5-year CAGR 28.93% 30.37% 9.81%

Health

Metric OBT PBAM Banks Regional median
Debt to equity 0.11 0.03 0.17
Current ratio 0.93 1.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OBT PBAM Banks Regional median
Dividend yield 1.81% — 2.49%
Payout ratio 0.20 — 0.29

Size

Metric OBT PBAM Banks Regional median
Market cap 534.57m 482.02m 934.85m

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