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Side-by-side financial comparison of Orange County Bancorp, Inc. (OBT) and R F INDUSTRIES LTD (RFIL). 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 $22.7M, roughly 1.5× R F INDUSTRIES LTD). Orange County Bancorp, Inc. runs the higher net margin — 37.6% vs 0.8%, a 36.9% gap on every dollar of revenue. On growth, R F INDUSTRIES LTD posted the faster year-over-year revenue change (22.9% vs 20.6%). Orange County Bancorp, Inc. produced more free cash flow last quarter ($41.3M vs $2.0M). Over the past eight quarters, R F INDUSTRIES LTD's revenue compounded faster (29.8% 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.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
OBT vs RFIL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.0M | $22.7M |
| Net Profit | $12.4M | $173.0K |
| Gross Margin | — | 36.8% |
| Operating Margin | 41.4% | 4.0% |
| Net Margin | 37.6% | 0.8% |
| Revenue YoY | 20.6% | 22.9% |
| Net Profit YoY | 73.5% | 172.7% |
| EPS (diluted) | $0.94 | $0.01 |
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 | $22.7M | ||
| Q3 25 | $33.7M | $19.8M | ||
| Q2 25 | $32.5M | $18.9M | ||
| Q1 25 | $28.0M | $19.2M | ||
| Q4 24 | $27.4M | $18.5M | ||
| Q3 24 | $27.1M | $16.8M | ||
| Q2 24 | $27.9M | $16.1M | ||
| Q1 24 | $25.3M | $13.5M |
| Q4 25 | $12.4M | $173.0K | ||
| Q3 25 | $10.0M | $392.0K | ||
| Q2 25 | $10.5M | $-245.0K | ||
| Q1 25 | $8.7M | $-245.0K | ||
| Q4 24 | $7.2M | $-238.0K | ||
| Q3 24 | $3.2M | $-705.0K | ||
| Q2 24 | $8.2M | $-4.3M | ||
| Q1 24 | $9.3M | $-1.4M |
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
| Q4 25 | 41.4% | 4.0% | ||
| Q3 25 | 38.6% | 3.6% | ||
| Q2 25 | 41.9% | 0.6% | ||
| Q1 25 | 40.3% | 0.3% | ||
| Q4 24 | 32.8% | 0.5% | ||
| Q3 24 | 14.8% | -2.5% | ||
| Q2 24 | 36.6% | -2.6% | ||
| Q1 24 | 45.9% | -15.5% |
| Q4 25 | 37.6% | 0.8% | ||
| Q3 25 | 29.7% | 2.0% | ||
| Q2 25 | 32.2% | -1.3% | ||
| Q1 25 | 31.1% | -1.3% | ||
| Q4 24 | 26.2% | -1.3% | ||
| Q3 24 | 11.8% | -4.2% | ||
| Q2 24 | 29.4% | -26.7% | ||
| Q1 24 | 36.7% | -10.1% |
| Q4 25 | $0.94 | $0.01 | ||
| Q3 25 | $0.75 | $0.04 | ||
| Q2 25 | $0.87 | $-0.02 | ||
| Q1 25 | $0.77 | $-0.02 | ||
| Q4 24 | $0.64 | $-0.02 | ||
| Q3 24 | $0.28 | $-0.07 | ||
| Q2 24 | $0.73 | $-0.41 | ||
| Q1 24 | $0.82 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $5.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $284.4M | $35.2M |
| Total Assets | $2.7B | $73.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $5.1M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $839.0K | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $4.5M |
| Q4 25 | $284.4M | $35.2M | ||
| Q3 25 | $270.1M | $34.8M | ||
| Q2 25 | $252.6M | $34.2M | ||
| Q1 25 | $201.3M | $34.2M | ||
| Q4 24 | $185.5M | $34.1M | ||
| Q3 24 | $193.1M | $34.1M | ||
| Q2 24 | $177.5M | $34.6M | ||
| Q1 24 | $168.7M | $38.7M |
| Q4 25 | $2.7B | $73.0M | ||
| Q3 25 | $2.6B | $73.2M | ||
| Q2 25 | $2.6B | $72.7M | ||
| Q1 25 | $2.6B | $70.4M | ||
| Q4 24 | $2.5B | $71.0M | ||
| Q3 24 | $2.5B | $71.9M | ||
| Q2 24 | $2.5B | $72.8M | ||
| Q1 24 | $2.5B | $79.1M |
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 | $2.1M |
| Free Cash FlowOCF − Capex | $41.3M | $2.0M |
| FCF MarginFCF / Revenue | 125.1% | 9.0% |
| Capex IntensityCapex / Revenue | 7.6% | 0.3% |
| Cash ConversionOCF / Net Profit | 3.53× | 12.13× |
| TTM Free Cash FlowTrailing 4 quarters | $69.6M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.8M | $2.1M | ||
| Q3 25 | $30.2M | $-311.0K | ||
| Q2 25 | $-5.0M | $2.2M | ||
| Q1 25 | $4.8M | $601.0K | ||
| Q4 24 | $34.6M | $-244.0K | ||
| Q3 24 | $10.2M | $2.4M | ||
| Q2 24 | $9.3M | $197.0K | ||
| Q1 24 | $2.3M | $840.0K |
| Q4 25 | $41.3M | $2.0M | ||
| Q3 25 | $29.6M | $-419.0K | ||
| Q2 25 | $-5.7M | $2.2M | ||
| Q1 25 | $4.3M | $574.0K | ||
| Q4 24 | $32.9M | $-418.0K | ||
| Q3 24 | $10.0M | $2.1M | ||
| Q2 24 | $9.2M | $28.0K | ||
| Q1 24 | $2.0M | $697.0K |
| Q4 25 | 125.1% | 9.0% | ||
| Q3 25 | 87.8% | -2.1% | ||
| Q2 25 | -17.5% | 11.4% | ||
| Q1 25 | 15.5% | 3.0% | ||
| Q4 24 | 120.0% | -2.3% | ||
| Q3 24 | 36.7% | 12.6% | ||
| Q2 24 | 32.8% | 0.2% | ||
| Q1 24 | 7.9% | 5.2% |
| Q4 25 | 7.6% | 0.3% | ||
| Q3 25 | 1.8% | 0.5% | ||
| Q2 25 | 2.3% | 0.2% | ||
| Q1 25 | 1.8% | 0.1% | ||
| Q4 24 | 6.3% | 0.9% | ||
| Q3 24 | 1.1% | 1.5% | ||
| Q2 24 | 0.4% | 1.0% | ||
| Q1 24 | 1.0% | 1.1% |
| Q4 25 | 3.53× | 12.13× | ||
| Q3 25 | 3.01× | -0.79× | ||
| 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.
Revenue Breakdown by Segment
OBT
Segment breakdown not available.
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
