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OBT vs V

OBT
Orange County Bancorp, Inc.
BULLISH
Price
$35.15
Market Cap
$469.9M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
OBT
10.62
V
28.35
Forward P/E
OBT
9.01
V
20.79
P/B Ratio
OBT
1.65
V
15.09
P/S Ratio
OBT
3.93
V
14.08
EV/EBITDA
OBT
--
V
20.06

Profitability

Gross Margin
OBT
0.0%
V
97.78%
Operating Margin
OBT
44.68%
V
68.3%
Profit Margin
OBT
34.84%
V
50.23%
ROE
OBT
17.71%
V
53.95%
ROA
OBT
1.61%
V
18.36%

Growth

Revenue Growth
OBT
14.7%
V
14.6%
Earnings Growth
OBT
47.3%
V
17.4%

Financial Health

Debt/Equity
OBT
--
V
0.55
Current Ratio
OBT
--
V
1.11
Quick Ratio
OBT
--
V
0.72

Dividends

Dividend Yield
OBT
1.75%
V
0.89%
Payout Ratio
OBT
17.12%
V
22.91%

AI Verdict

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

OBT vs V: Head-to-Head Comparison

This page compares Orange County Bancorp, Inc. (OBT) and Visa Inc. (V) 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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