Orange County Bancorp Inc (OBT)vsU.S. Bancorp (USB)
OBT
Orange County Bancorp Inc
$32.33
-0.83%
FINANCIAL SERVICES · Cap: $427.39M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 21962% more annual revenue ($26.35B vs $119.46M). OBT leads profitability with a 34.8% profit margin vs 28.7%. OBT trades at a lower P/E of 9.6x. USB earns a higher WallStSmart Score of 75/100 (B).
OBT
Strong Buy70
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.6%
Fair Value
$155.84
Current Price
$32.33
$123.51 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 47.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OBT
The strongest argument for OBT centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.8% and operating margin at 44.7%. Revenue growth of 14.7% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : OBT
The primary concerns for OBT are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
OBT is growing revenue faster at 14.7% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 70/100), backed by strong 28.7% margins. OBT offers better value entry with a 77.6% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Orange County Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Orange County Bancorp Inc (OBT) is a community-oriented financial institution based in Orange County, New York, dedicated to delivering a broad array of banking and financial services tailored to both individual customers and businesses. The bank emphasizes strong community engagement and localized service, offering products such as personal and commercial loans, deposit accounts, and wealth management solutions. As a publicly traded entity, OBT is committed to sustainable growth and profitability while actively contributing to the region's economic development. Its strategic initiatives, coupled with a robust risk management framework, position OBT as an attractive investment opportunity for institutional investors seeking to diversify within the regional banking sector.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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