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Side-by-side financial comparison of Orange County Bancorp, Inc. (OBT) and Owlet, Inc. (OWLT). 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 $26.6M, roughly 1.2× Owlet, Inc.). Orange County Bancorp, Inc. runs the higher net margin — 37.6% vs -34.6%, a 72.2% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 20.6%). Orange County Bancorp, Inc. produced more free cash flow last quarter ($41.3M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 14.3%).
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.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
OBT vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.0M | $26.6M |
| Net Profit | $12.4M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 41.4% | -18.4% |
| Net Margin | 37.6% | -34.6% |
| Revenue YoY | 20.6% | 29.6% |
| Net Profit YoY | 73.5% | -1.5% |
| EPS (diluted) | $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 | $33.0M | $26.6M | ||
| Q3 25 | $33.7M | $32.0M | ||
| Q2 25 | $32.5M | $26.1M | ||
| Q1 25 | $28.0M | $21.1M | ||
| Q4 24 | $27.4M | $20.5M | ||
| Q3 24 | $27.1M | $22.1M | ||
| Q2 24 | $27.9M | $20.7M | ||
| Q1 24 | $25.3M | $14.8M |
| Q4 25 | $12.4M | $-9.2M | ||
| Q3 25 | $10.0M | $4.1M | ||
| Q2 25 | $10.5M | $-37.6M | ||
| Q1 25 | $8.7M | $3.0M | ||
| Q4 24 | $7.2M | $-9.1M | ||
| Q3 24 | $3.2M | $-5.6M | ||
| Q2 24 | $8.2M | $-1.1M | ||
| Q1 24 | $9.3M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 41.4% | -18.4% | ||
| Q3 25 | 38.6% | 3.8% | ||
| Q2 25 | 41.9% | -7.4% | ||
| Q1 25 | 40.3% | -12.7% | ||
| Q4 24 | 32.8% | -36.2% | ||
| Q3 24 | 14.8% | -21.8% | ||
| Q2 24 | 36.6% | -10.8% | ||
| Q1 24 | 45.9% | -39.0% |
| Q4 25 | 37.6% | -34.6% | ||
| Q3 25 | 29.7% | 12.9% | ||
| Q2 25 | 32.2% | -144.4% | ||
| Q1 25 | 31.1% | 14.3% | ||
| Q4 24 | 26.2% | -44.2% | ||
| Q3 24 | 11.8% | -25.4% | ||
| Q2 24 | 29.4% | -5.5% | ||
| Q1 24 | 36.7% | 22.2% |
| Q4 25 | $0.94 | — | ||
| Q3 25 | $0.75 | $-0.06 | ||
| Q2 25 | $0.87 | $-2.37 | ||
| Q1 25 | $0.77 | $0.11 | ||
| Q4 24 | $0.64 | $-0.15 | ||
| Q3 24 | $0.28 | $-0.61 | ||
| Q2 24 | $0.73 | $-0.30 | ||
| Q1 24 | $0.82 | $-0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $35.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $284.4M | $19.0M |
| Total Assets | $2.7B | $85.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $35.5M | ||
| Q3 25 | — | $23.8M | ||
| Q2 25 | — | $21.8M | ||
| Q1 25 | — | $16.3M | ||
| Q4 24 | — | $20.2M | ||
| Q3 24 | — | $21.6M | ||
| Q2 24 | — | $15.4M | ||
| Q1 24 | — | $18.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $4.0M |
| Q4 25 | $284.4M | $19.0M | ||
| Q3 25 | $270.1M | $-54.1M | ||
| Q2 25 | $252.6M | $-59.2M | ||
| Q1 25 | $201.3M | $-25.8M | ||
| Q4 24 | $185.5M | $-29.8M | ||
| Q3 24 | $193.1M | $-21.5M | ||
| Q2 24 | $177.5M | $-33.4M | ||
| Q1 24 | $168.7M | $-32.9M |
| Q4 25 | $2.7B | $85.6M | ||
| Q3 25 | $2.6B | $74.9M | ||
| Q2 25 | $2.6B | $63.5M | ||
| Q1 25 | $2.6B | $51.4M | ||
| Q4 24 | $2.5B | $49.5M | ||
| Q3 24 | $2.5B | $56.1M | ||
| Q2 24 | $2.5B | $45.9M | ||
| Q1 24 | $2.5B | $43.8M |
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 | $43.8M | $-452.0K |
| Free Cash FlowOCF − Capex | $41.3M | $-651.0K |
| FCF MarginFCF / Revenue | 125.1% | -2.5% |
| Capex IntensityCapex / Revenue | 7.6% | 0.7% |
| Cash ConversionOCF / Net Profit | 3.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | $69.6M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.8M | $-452.0K | ||
| Q3 25 | $30.2M | $-2.2M | ||
| Q2 25 | $-5.0M | $-2.2M | ||
| Q1 25 | $4.8M | $-5.9M | ||
| Q4 24 | $34.6M | $3.0M | ||
| Q3 24 | $10.2M | $-7.5M | ||
| Q2 24 | $9.3M | $-3.4M | ||
| Q1 24 | $2.3M | $-3.4M |
| Q4 25 | $41.3M | $-651.0K | ||
| Q3 25 | $29.6M | $-2.2M | ||
| Q2 25 | $-5.7M | $-2.3M | ||
| Q1 25 | $4.3M | $-5.9M | ||
| Q4 24 | $32.9M | $3.0M | ||
| Q3 24 | $10.0M | $-7.5M | ||
| Q2 24 | $9.2M | $-3.4M | ||
| Q1 24 | $2.0M | — |
| Q4 25 | 125.1% | -2.5% | ||
| Q3 25 | 87.8% | -6.8% | ||
| Q2 25 | -17.5% | -8.8% | ||
| Q1 25 | 15.5% | -28.1% | ||
| Q4 24 | 120.0% | 14.5% | ||
| Q3 24 | 36.7% | -33.9% | ||
| Q2 24 | 32.8% | -16.3% | ||
| Q1 24 | 7.9% | — |
| Q4 25 | 7.6% | 0.7% | ||
| Q3 25 | 1.8% | 0.0% | ||
| Q2 25 | 2.3% | 0.2% | ||
| Q1 25 | 1.8% | 0.0% | ||
| Q4 24 | 6.3% | 0.2% | ||
| Q3 24 | 1.1% | 0.0% | ||
| Q2 24 | 0.4% | 0.0% | ||
| Q1 24 | 1.0% | 0.0% |
| Q4 25 | 3.53× | — | ||
| Q3 25 | 3.01× | -0.52× | ||
| Q2 25 | -0.47× | — | ||
| Q1 25 | 0.56× | -1.96× | ||
| Q4 24 | 4.83× | — | ||
| Q3 24 | 3.19× | — | ||
| Q2 24 | 1.13× | — | ||
| Q1 24 | 0.24× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OBT
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
