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Side-by-side financial comparison of Bluerock Homes Trust, Inc. (BHM) and Orange County Bancorp, Inc. (OBT). Click either name above to swap in a different company.
Orange County Bancorp, Inc. is the larger business by last-quarter revenue ($33.0M vs $18.9M, roughly 1.7× Bluerock Homes Trust, Inc.). Orange County Bancorp, Inc. runs the higher net margin — 37.6% vs -50.1%, a 87.8% gap on every dollar of revenue. On growth, Bluerock Homes Trust, Inc. posted the faster year-over-year revenue change (35.9% vs 20.6%). Orange County Bancorp, Inc. produced more free cash flow last quarter ($41.3M vs $10.4M). Over the past eight quarters, Bluerock Homes Trust, Inc.'s revenue compounded faster (30.1% CAGR vs 14.3%).
Bluerock Homes Trust, Inc. is a U.S.-headquartered real estate investment trust that acquires, owns and operates a portfolio of high-quality single-family rental residential properties. It caters to middle-market renters across high-growth suburban markets, prioritizing regions with strong demographic fundamentals and sustained rental housing demand.
Orange County Bancorp, Inc. is a Delaware-registered bank holding company operating mainly in New York, U.S. It offers a full range of retail and commercial banking services, including deposit accounts, loans and wealth management solutions, serving individual consumers, small and mid-sized corporate clients in its regional footprint.
BHM vs OBT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $33.0M |
| Net Profit | $-9.5M | $12.4M |
| Gross Margin | — | — |
| Operating Margin | -48.8% | 41.4% |
| Net Margin | -50.1% | 37.6% |
| Revenue YoY | 35.9% | 20.6% |
| Net Profit YoY | -29.9% | 73.5% |
| EPS (diluted) | $-0.75 | $0.94 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $18.9M | $33.0M | ||
| Q3 25 | $16.6M | $33.7M | ||
| Q2 25 | $16.8M | $32.5M | ||
| Q1 25 | $16.4M | $28.0M | ||
| Q4 24 | $13.9M | $27.4M | ||
| Q3 24 | $12.7M | $27.1M | ||
| Q2 24 | $12.5M | $27.9M | ||
| Q1 24 | $11.2M | $25.3M |
| Q4 25 | $-9.5M | $12.4M | ||
| Q3 25 | $-10.0M | $10.0M | ||
| Q2 25 | $-5.8M | $10.5M | ||
| Q1 25 | $-7.3M | $8.7M | ||
| Q4 24 | $-7.3M | $7.2M | ||
| Q3 24 | $3.5M | $3.2M | ||
| Q2 24 | $-5.2M | $8.2M | ||
| Q1 24 | $-3.2M | $9.3M |
| Q4 25 | -48.8% | 41.4% | ||
| Q3 25 | -57.6% | 38.6% | ||
| Q2 25 | -30.9% | 41.9% | ||
| Q1 25 | -42.6% | 40.3% | ||
| Q4 24 | -52.8% | 32.8% | ||
| Q3 24 | 27.9% | 14.8% | ||
| Q2 24 | -41.3% | 36.6% | ||
| Q1 24 | -28.4% | 45.9% |
| Q4 25 | -50.1% | 37.6% | ||
| Q3 25 | -60.0% | 29.7% | ||
| Q2 25 | -34.7% | 32.2% | ||
| Q1 25 | -44.7% | 31.1% | ||
| Q4 24 | -52.8% | 26.2% | ||
| Q3 24 | 27.9% | 11.8% | ||
| Q2 24 | -41.3% | 29.4% | ||
| Q1 24 | -28.4% | 36.7% |
| Q4 25 | $-0.75 | $0.94 | ||
| Q3 25 | $-0.94 | $0.75 | ||
| Q2 25 | $-0.66 | $0.87 | ||
| Q1 25 | $-0.67 | $0.77 | ||
| Q4 24 | $-0.65 | $0.64 | ||
| Q3 24 | $0.24 | $0.28 | ||
| Q2 24 | $-0.42 | $0.73 | ||
| Q1 24 | $-0.27 | $0.82 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $169.6M | — |
| Total DebtLower is stronger | $428.4M | — |
| Stockholders' EquityBook value | $128.7M | $284.4M |
| Total Assets | $1.2B | $2.7B |
| Debt / EquityLower = less leverage | 3.33× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $169.6M | — | ||
| Q3 25 | $2.1M | — | ||
| Q2 25 | $4.2M | — | ||
| Q1 25 | $3.0M | — | ||
| Q4 24 | $115.2M | — | ||
| Q3 24 | $155.1M | — | ||
| Q2 24 | $116.0M | — | ||
| Q1 24 | $92.3M | — |
| Q4 25 | $428.4M | — | ||
| Q3 25 | $415.9M | — | ||
| Q2 25 | $338.6M | — | ||
| Q1 25 | $336.5M | — | ||
| Q4 24 | $373.8M | — | ||
| Q3 24 | $122.5M | — | ||
| Q2 24 | $119.7M | — | ||
| Q1 24 | $120.2M | — |
| Q4 25 | $128.7M | $284.4M | ||
| Q3 25 | $131.7M | $270.1M | ||
| Q2 25 | $135.3M | $252.6M | ||
| Q1 25 | $137.1M | $201.3M | ||
| Q4 24 | $139.1M | $185.5M | ||
| Q3 24 | $142.9M | $193.1M | ||
| Q2 24 | $142.5M | $177.5M | ||
| Q1 24 | $144.5M | $168.7M |
| Q4 25 | $1.2B | $2.7B | ||
| Q3 25 | $222.1M | $2.6B | ||
| Q2 25 | $220.3M | $2.6B | ||
| Q1 25 | $186.2M | $2.6B | ||
| Q4 24 | $967.0M | $2.5B | ||
| Q3 24 | $800.8M | $2.5B | ||
| Q2 24 | $756.2M | $2.5B | ||
| Q1 24 | $727.4M | $2.5B |
| Q4 25 | 3.33× | — | ||
| Q3 25 | 3.16× | — | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 2.45× | — | ||
| Q4 24 | 2.69× | — | ||
| Q3 24 | 0.86× | — | ||
| Q2 24 | 0.84× | — | ||
| Q1 24 | 0.83× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $27.8M | $43.8M |
| Free Cash FlowOCF − Capex | $10.4M | $41.3M |
| FCF MarginFCF / Revenue | 55.0% | 125.1% |
| Capex IntensityCapex / Revenue | 91.8% | 7.6% |
| Cash ConversionOCF / Net Profit | — | 3.53× |
| TTM Free Cash FlowTrailing 4 quarters | $25.0M | $69.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.8M | $43.8M | ||
| Q3 25 | $13.4M | $30.2M | ||
| Q2 25 | $13.9M | $-5.0M | ||
| Q1 25 | $951.0K | $4.8M | ||
| Q4 24 | $9.1M | $34.6M | ||
| Q3 24 | $1.7M | $10.2M | ||
| Q2 24 | $1.3M | $9.3M | ||
| Q1 24 | $1.1M | $2.3M |
| Q4 25 | $10.4M | $41.3M | ||
| Q3 25 | $8.7M | $29.6M | ||
| Q2 25 | $8.8M | $-5.7M | ||
| Q1 25 | $-2.9M | $4.3M | ||
| Q4 24 | $-253.0K | $32.9M | ||
| Q3 24 | $-601.0K | $10.0M | ||
| Q2 24 | $-654.0K | $9.2M | ||
| Q1 24 | $-630.0K | $2.0M |
| Q4 25 | 55.0% | 125.1% | ||
| Q3 25 | 52.4% | 87.8% | ||
| Q2 25 | 52.2% | -17.5% | ||
| Q1 25 | -17.6% | 15.5% | ||
| Q4 24 | -1.8% | 120.0% | ||
| Q3 24 | -4.7% | 36.7% | ||
| Q2 24 | -5.2% | 32.8% | ||
| Q1 24 | -5.6% | 7.9% |
| Q4 25 | 91.8% | 7.6% | ||
| Q3 25 | 28.5% | 1.8% | ||
| Q2 25 | 30.3% | 2.3% | ||
| Q1 25 | 23.4% | 1.8% | ||
| Q4 24 | 66.9% | 6.3% | ||
| Q3 24 | 18.0% | 1.1% | ||
| Q2 24 | 15.3% | 0.4% | ||
| Q1 24 | 15.5% | 1.0% |
| Q4 25 | — | 3.53× | ||
| Q3 25 | — | 3.01× | ||
| Q2 25 | — | -0.47× | ||
| Q1 25 | — | 0.56× | ||
| Q4 24 | — | 4.83× | ||
| Q3 24 | 0.47× | 3.19× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | — | 0.24× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BHM
| Residential Communities Segment | $11.4M | 61% |
| Scattered Single Family Homes Segment | $7.5M | 39% |
OBT
Segment breakdown not available.
