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BSRR vs OBT

BSRR
Sierra Bancorp
NEUTRAL
Price
$34.61
Market Cap
$466.6M
Sector
Financial Services
AI Confidence
80%
OBT
Orange County Bancorp, Inc.
BULLISH
Price
$35.15
Market Cap
$469.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BSRR
11.13
OBT
10.62
Forward P/E
BSRR
9.17
OBT
9.01
P/B Ratio
BSRR
1.24
OBT
1.65
P/S Ratio
BSRR
3.13
OBT
3.93
EV/EBITDA
BSRR
--
OBT
--

Profitability

Gross Margin
BSRR
0.0%
OBT
0.0%
Operating Margin
BSRR
42.68%
OBT
44.68%
Profit Margin
BSRR
28.37%
OBT
34.84%
ROE
BSRR
11.72%
OBT
17.71%
ROA
BSRR
1.14%
OBT
1.61%

Growth

Revenue Growth
BSRR
13.2%
OBT
14.7%
Earnings Growth
BSRR
32.3%
OBT
47.3%

Financial Health

Debt/Equity
BSRR
--
OBT
--
Current Ratio
BSRR
--
OBT
--
Quick Ratio
BSRR
--
OBT
--

Dividends

Dividend Yield
BSRR
3.02%
OBT
1.75%
Payout Ratio
BSRR
32.15%
OBT
17.12%

AI Verdict

BSRR NEUTRAL

BSRR shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 11.1
Undervalued vs Graham Number ($44.13)
Strong profitability (28.4% margin)
Risks
Weak financial trend (Piotroski F-Score: 3/9)
OBT BULLISH

OBT presents a compelling value-growth opportunity, characterized by a stable Piotroski F-Score of 4/9 and a current price ($35.15) trading below its Graham Number ($39.80). The company exhibits exceptional profitability with an ROE of 17.71% and explosive earnings growth (47.3% YoY), significantly outperforming sector averages. While the technical trend score is paradoxically low, the actual price performance shows strong momentum (+63.2% 1Y). The massive gap between the current price and the growth-based intrinsic value ($97.64) suggests significant upside potential.

Strengths
Strong earnings growth (47.3% YoY and 73.5% Q/Q)
High ROE (17.71%) compared to sector average (0.13%)
Trading at a discount to Graham Number ($39.80) and Intrinsic Value ($97.64)
Risks
Moderate financial health as indicated by a Piotroski F-Score of 4/9
Low dividend yield (1.75%) may not attract income-focused investors
Regional bank sector sensitivity to interest rate volatility

Compare Another Pair

BSRR vs OBT: Head-to-Head Comparison

This page compares Sierra Bancorp (BSRR) and Orange County Bancorp, Inc. (OBT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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