Orange County Bancorp (NASDAQ:OBT) & Origin Bancorp (NASDAQ:OBNK) Head-To-Head Analysis

Orange County Bancorp (NASDAQ:OBT) and Origin Bancorp (NASDAQ:OBNK) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, risk, earnings, valuation, institutional ownership and dividends.

Valuation & Earnings

This table compares Orange County Bancorp and Origin Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Orange County Bancorp	$128.82 million	2.40	$27.88 million	$2.41	9.79
Origin Bancorp	$347.14 million	3.06	$87.71 million	$3.21	10.75

Origin Bancorp has higher revenue and earnings than Orange County Bancorp. Orange County Bancorp is trading at a lower price-to-earnings ratio than Origin Bancorp, indicating that it is currently the more affordable of the two stocks.

Dividends

Orange County Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 2.2%. Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.7%. Orange County Bancorp pays out 21.6% of its earnings in the form of a dividend. Origin Bancorp pays out 18.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Origin Bancorp has raised its dividend for 4 consecutive years.

Profitability

This table compares Orange County Bancorp and Origin Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Orange County Bancorp	18.86%	14.41%	1.08%
Origin Bancorp	20.47%	10.45%	0.97%

Volatility & Risk

Orange County Bancorp has a beta of 0.48, indicating that its stock price is 52% less volatile than the S&P 500. Comparatively, Origin Bancorp has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500.

Institutional & Insider Ownership

42.6% of Orange County Bancorp shares are held by institutional investors. Comparatively, 47.2% of Origin Bancorp shares are held by institutional investors. 9.3% of Orange County Bancorp shares are held by company insiders. Comparatively, 6.2% of Origin Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current recommendations and price targets for Orange County Bancorp and Origin Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orange County Bancorp	0	0	2	0	3.00
Origin Bancorp	0	0	0	0	0.00

Orange County Bancorp currently has a consensus price target of $32.50, indicating a potential upside of 37.71%. Given Orange County Bancorp’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Orange County Bancorp is more favorable than Origin Bancorp.

Summary

Origin Bancorp beats Orange County Bancorp on 10 of the 17 factors compared between the two stocks.

About Orange County Bancorp

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and individuals. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services. The company operates full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

About Origin Bancorp

Origin Bancorp, Inc. is a bank holding company, which engages in the provision of financial services to small and medium-sized businesses, municipalities, high net worth individuals, and retail clients. The firm’s products and services include lending, deposits, mortgage banking, and insurance. It also offers other banking services such as Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automatic account transfers. The company was founded in 1991 and is headquartered in Ruston, LA.