COMP <GO>
OBT vs NPB // ALTMAN Z-SCORE & DEBT/EQUITY
Orange County Bancorp Inc. (NASDAQ) VS. Northpointe Bancshares Inc. (NYSE) • 15-METRIC TALLY: OBT 4
— NPB 3
■ METRIC PARITY
LAST: $40.11 (+3.67%) • MKT CAP: $537.8M
balance-sheet
—
LAST: $15.89 (+0.63%) • MKT CAP: $549.5M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OBT VS. NPB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OBT | NPB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.60% | 14.70% | -0.10 | NPB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.99% | 7.42% | +0.57 | OBT | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.37% | 0.58% | +0.79 | OBT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | OBT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 70.6 | 51.4 | +19.20 | OBT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.5x | 6.2x | +5.30 | NPB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $537.8M | $549.5M | -$11.7M | NPB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OBT REV | NPB REV | OBT GROSS % | NPB GROSS % | OBT FCF | NPB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.12B | $2.95B | — | — | $41.3M | $41.5M |
| FY 2024 | $1.05B | $2.19B | — | — | $32.9M | $18.8M |
| FY 2023 | $169.1M | $1.92B | — | — | $44.5M | $504.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OBT // BETA —
NPB // BETA —