Orange County Bancorp (NASDAQ:OBT – Get Rating) and LexinFintech (NASDAQ:LX – Get Rating) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, risk, earnings, dividends, analyst recommendations, institutional ownership and valuation.
Profitability
This table compares Orange County Bancorp and LexinFintech’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Orange County Bancorp | 25.32% | 14.81% | 1.07% |
| LexinFintech | 8.23% | 10.37% | 3.88% |
Valuation and Earnings
This table compares Orange County Bancorp and LexinFintech’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Orange County Bancorp | $96.22 million | 3.01 | $24.36 million | $4.34 | 11.83 |
| LexinFintech | $1.43 billion | 0.29 | $366.24 million | $0.65 | 3.49 |
Volatility and Risk
Orange County Bancorp has a beta of 0.05, suggesting that its stock price is 95% less volatile than the S&P 500. Comparatively, LexinFintech has a beta of 0.7, suggesting that its stock price is 30% less volatile than the S&P 500.
Institutional & Insider Ownership
41.2% of Orange County Bancorp shares are held by institutional investors. Comparatively, 15.0% of LexinFintech shares are held by institutional investors. 10.6% of Orange County Bancorp shares are held by company insiders. Comparatively, 27.8% of LexinFintech shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Analyst Ratings
This is a breakdown of recent ratings and target prices for Orange County Bancorp and LexinFintech, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Orange County Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| LexinFintech | 0 | 0 | 3 | 0 | 3.00 |
Orange County Bancorp presently has a consensus price target of $50.00, suggesting a potential downside of 2.63%. LexinFintech has a consensus price target of $2.85, suggesting a potential upside of 25.55%. Given LexinFintech’s higher possible upside, analysts plainly believe LexinFintech is more favorable than Orange County Bancorp.
Summary
LexinFintech beats Orange County Bancorp on 7 of the 13 factors compared between the two stocks.
About Orange County Bancorp
Orange County Bancorp, Inc. operates as a holding company engaged in the provision of commercial banking solutions. The firm operates through the Banking and Wealth Management segments. It offers banking solutions such as business, personal banking, special services, trusts and investment services. The company was founded on May 2, 1892 and is headquartered in Middletown, NY.
About LexinFintech
Lexinfintech Holdings Ltd. engages in the provision of online consumer finance platforms. Through its subsidiaries, it provides online direct sales with installment payment terms; installment purchase loans; and personal installment loans. Its services are offered though its online consumer finance platform, www.fenqile.com; and mobile application. The company was founded by Wen Jie Xiao and Qian Qiao on November 22, 2013 and is headquartered in Shenzhen, China.
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