Orange County Bancorp vs Unity Bancorp
OBT and UNTY side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How OBT and UNTY compare
Orange County Bancorp and Unity Bancorp are about the same size, with market caps of $519M and $576M.
On earnings, Unity Bancorp is cheaper: it trades at 10.0× trailing earnings, against 10.9× for Orange County Bancorp.
Unity Bancorp grew revenue faster over the last twelve months (13.1% versus 10.2% for Orange County Bancorp).
Unity Bancorp keeps more of each dollar of sales as profit, with a net margin of 43.3% compared with 37.4% at Orange County Bancorp.
Both pay dividends: Orange County Bancorp yields 1.9% and Unity Bancorp 1.1%.
Orange County Bancorp scores higher on the StockData Score (19 against 18 for Unity Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | OBT | UNTY |
|---|---|---|
| Size and price | ||
| Market cap | $519M | $576M |
| Share price | $38.69 | $57.31 |
| Change, 1 year | 65.1% | 24.9% |
| Change, 5 years | 104% | 112% |
| Beta (5Y) | 0.36 | 0.60 |
| Employees | 33 | 228 |
| StockData Score | ||
| Total score | 19 (better) | 18 |
| Valuation score | 1 | 1 |
| Growth score | 3 | 3 |
| Performance score | 6 | 6 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.9× | 10.0× (better) |
| P/S | 4.1× (better) | 4.2× |
| P/B | 1.7× | 1.5× (better) |
| P/FCF | 8.0× (better) | 21.3× |
| PEG | 0.71 | 0.61 (better) |
| FCF yield | 12.5% (better) | 4.7% |
| Fair value | $35.74 | $54.29 |
| Margin of safety | −8.2% | −5.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 10.2% | 13.1% (better) |
| Revenue growth, 5Y average | 16.2% (better) | 11.2% |
| Net income growth (TTM) | 60.4% (better) | 16.1% |
| EPS growth (TTM) | 39.2% (better) | 16.4% |
| EPS growth, 5Y average | 20.8% | 21.0% (better) |
| Profitability | ||
| Net margin | 37.4% | 43.3% (better) |
| FCF margin | 51.1% (better) | 20.0% |
| Return on equity | 16.9% | 17.0% (better) |
| Financial health | ||
| Altman Z-score | 0.26 | 0.28 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.9% (better) | 1.1% |
| Payout ratio | 18.9% | 10.3% |
| Years of dividend growth | 4 | 12 (better) |
| Dividend growth, 5Y average | 7.3% | 12.6% (better) |
| Buyback yield | – | 0.60% |
| Shareholder yield | 1.9% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 54.0% | 52.2% |
| Held by insiders | 8.5% | 22.0% |
| Insider net buying, 12 months | −$199K (better) | −$1.8M |
| Short interest, % of float | 1.1% | 2.8% |
Go deeper
- OBT stock overview
- OBT income statement
- OBT valuation and score
- UNTY stock overview
- UNTY income statement
- UNTY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.