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Side-by-side financial comparison of Expensify, Inc. (EXFY) and Orange County Bancorp, Inc. (OBT). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $33.0M, roughly 1.1× Orange County Bancorp, Inc.). On growth, Orange County Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs -4.9%). Over the past eight quarters, Orange County Bancorp, Inc.'s revenue compounded faster (14.3% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
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.
EXFY vs OBT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $33.0M |
| Net Profit | — | $12.4M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 41.4% |
| Net Margin | — | 37.6% |
| Revenue YoY | -4.9% | 20.6% |
| Net Profit YoY | — | 73.5% |
| EPS (diluted) | $-0.07 | $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 | $35.2M | $33.0M | ||
| Q3 25 | $35.1M | $33.7M | ||
| Q2 25 | $35.8M | $32.5M | ||
| Q1 25 | $36.1M | $28.0M | ||
| Q4 24 | $37.0M | $27.4M | ||
| Q3 24 | $35.4M | $27.1M | ||
| Q2 24 | $33.3M | $27.9M | ||
| Q1 24 | $33.5M | $25.3M |
| Q4 25 | — | $12.4M | ||
| Q3 25 | $-2.3M | $10.0M | ||
| Q2 25 | $-8.8M | $10.5M | ||
| Q1 25 | $-3.2M | $8.7M | ||
| Q4 24 | — | $7.2M | ||
| Q3 24 | $-2.2M | $3.2M | ||
| Q2 24 | $-2.8M | $8.2M | ||
| Q1 24 | $-3.8M | $9.3M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 41.4% | ||
| Q3 25 | -6.4% | 38.6% | ||
| Q2 25 | -28.9% | 41.9% | ||
| Q1 25 | -4.1% | 40.3% | ||
| Q4 24 | 1.3% | 32.8% | ||
| Q3 24 | 0.8% | 14.8% | ||
| Q2 24 | 0.7% | 36.6% | ||
| Q1 24 | -5.3% | 45.9% |
| Q4 25 | — | 37.6% | ||
| Q3 25 | -6.6% | 29.7% | ||
| Q2 25 | -24.6% | 32.2% | ||
| Q1 25 | -8.8% | 31.1% | ||
| Q4 24 | — | 26.2% | ||
| Q3 24 | -6.2% | 11.8% | ||
| Q2 24 | -8.3% | 29.4% | ||
| Q1 24 | -11.3% | 36.7% |
| Q4 25 | $-0.07 | $0.94 | ||
| Q3 25 | $-0.03 | $0.75 | ||
| Q2 25 | $-0.10 | $0.87 | ||
| Q1 25 | $-0.03 | $0.77 | ||
| Q4 24 | $-0.03 | $0.64 | ||
| Q3 24 | $-0.02 | $0.28 | ||
| Q2 24 | $-0.03 | $0.73 | ||
| Q1 24 | $-0.04 | $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 | $63.1M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $284.4M |
| Total Assets | $186.0M | $2.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | — | ||
| Q3 25 | $61.5M | — | ||
| Q2 25 | $60.5M | — | ||
| Q1 25 | $59.6M | — | ||
| Q4 24 | $48.8M | — | ||
| Q3 24 | $39.2M | — | ||
| Q2 24 | $53.2M | — | ||
| Q1 24 | $49.3M | — |
| Q4 25 | $132.7M | $284.4M | ||
| Q3 25 | $135.7M | $270.1M | ||
| Q2 25 | $131.8M | $252.6M | ||
| Q1 25 | $134.7M | $201.3M | ||
| Q4 24 | $128.2M | $185.5M | ||
| Q3 24 | $119.9M | $193.1M | ||
| Q2 24 | $114.0M | $177.5M | ||
| Q1 24 | $106.5M | $168.7M |
| Q4 25 | $186.0M | $2.7B | ||
| Q3 25 | $186.8M | $2.6B | ||
| Q2 25 | $187.1M | $2.6B | ||
| Q1 25 | $189.2M | $2.6B | ||
| Q4 24 | $173.7M | $2.5B | ||
| Q3 24 | $176.2M | $2.5B | ||
| Q2 24 | $192.9M | $2.5B | ||
| Q1 24 | $184.8M | $2.5B |
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 | $2.2M | $43.8M |
| Free Cash FlowOCF − Capex | — | $41.3M |
| FCF MarginFCF / Revenue | — | 125.1% |
| Capex IntensityCapex / Revenue | — | 7.6% |
| Cash ConversionOCF / Net Profit | — | 3.53× |
| TTM Free Cash FlowTrailing 4 quarters | — | $69.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $43.8M | ||
| Q3 25 | $4.2M | $30.2M | ||
| Q2 25 | $8.9M | $-5.0M | ||
| Q1 25 | $4.8M | $4.8M | ||
| Q4 24 | $7.4M | $34.6M | ||
| Q3 24 | $3.7M | $10.2M | ||
| Q2 24 | $9.3M | $9.3M | ||
| Q1 24 | $3.5M | $2.3M |
| Q4 25 | — | $41.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $-5.7M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $32.9M | ||
| Q3 24 | — | $10.0M | ||
| Q2 24 | — | $9.2M | ||
| Q1 24 | — | $2.0M |
| Q4 25 | — | 125.1% | ||
| Q3 25 | — | 87.8% | ||
| Q2 25 | — | -17.5% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 120.0% | ||
| Q3 24 | — | 36.7% | ||
| Q2 24 | — | 32.8% | ||
| Q1 24 | — | 7.9% |
| Q4 25 | — | 7.6% | ||
| Q3 25 | 0.0% | 1.8% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | 0.0% | 6.3% | ||
| Q3 24 | 0.0% | 1.1% | ||
| Q2 24 | 0.0% | 0.4% | ||
| Q1 24 | 0.0% | 1.0% |
| Q4 25 | — | 3.53× | ||
| Q3 25 | — | 3.01× | ||
| Q2 25 | — | -0.47× | ||
| Q1 25 | — | 0.56× | ||
| Q4 24 | — | 4.83× | ||
| Q3 24 | — | 3.19× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | — | 0.24× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
