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Side-by-side financial comparison of Orange County Bancorp, Inc. (OBT) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SmartRent, Inc. is the larger business by last-quarter revenue ($36.5M vs $33.0M, roughly 1.1× Orange County Bancorp, Inc.). Orange County Bancorp, Inc. runs the higher net margin — 37.6% vs -8.9%, a 46.5% gap on every dollar of revenue. On growth, Orange County Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs 3.1%). Orange County Bancorp, Inc. produced more free cash flow last quarter ($41.3M vs $7.7M). Over the past eight quarters, Orange County Bancorp, Inc.'s revenue compounded faster (14.3% CAGR vs -15.0%).
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.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
OBT vs SMRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.0M | $36.5M |
| Net Profit | $12.4M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | 41.4% | -10.9% |
| Net Margin | 37.6% | -8.9% |
| Revenue YoY | 20.6% | 3.1% |
| Net Profit YoY | 73.5% | 71.6% |
| EPS (diluted) | $0.94 | $-0.02 |
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 | $36.5M | ||
| Q3 25 | $33.7M | $36.2M | ||
| Q2 25 | $32.5M | $38.3M | ||
| Q1 25 | $28.0M | $41.3M | ||
| Q4 24 | $27.4M | $35.4M | ||
| Q3 24 | $27.1M | $40.5M | ||
| Q2 24 | $27.9M | $48.5M | ||
| Q1 24 | $25.3M | $50.5M |
| Q4 25 | $12.4M | $-3.2M | ||
| Q3 25 | $10.0M | $-6.3M | ||
| Q2 25 | $10.5M | $-10.9M | ||
| Q1 25 | $8.7M | $-40.2M | ||
| Q4 24 | $7.2M | $-11.4M | ||
| Q3 24 | $3.2M | $-9.9M | ||
| Q2 24 | $8.2M | $-4.6M | ||
| Q1 24 | $9.3M | $-7.7M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
| Q4 25 | 41.4% | -10.9% | ||
| Q3 25 | 38.6% | -19.4% | ||
| Q2 25 | 41.9% | -30.5% | ||
| Q1 25 | 40.3% | -99.9% | ||
| Q4 24 | 32.8% | -36.6% | ||
| Q3 24 | 14.8% | -29.0% | ||
| Q2 24 | 36.6% | -14.3% | ||
| Q1 24 | 45.9% | -20.1% |
| Q4 25 | 37.6% | -8.9% | ||
| Q3 25 | 29.7% | -17.3% | ||
| Q2 25 | 32.2% | -28.3% | ||
| Q1 25 | 31.1% | -97.2% | ||
| Q4 24 | 26.2% | -32.3% | ||
| Q3 24 | 11.8% | -24.5% | ||
| Q2 24 | 29.4% | -9.5% | ||
| Q1 24 | 36.7% | -15.2% |
| Q4 25 | $0.94 | $-0.02 | ||
| Q3 25 | $0.75 | $-0.03 | ||
| Q2 25 | $0.87 | $-0.06 | ||
| Q1 25 | $0.77 | $-0.21 | ||
| Q4 24 | $0.64 | $-0.06 | ||
| Q3 24 | $0.28 | $-0.05 | ||
| Q2 24 | $0.73 | $-0.02 | ||
| Q1 24 | $0.82 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $284.4M | $232.1M |
| Total Assets | $2.7B | $320.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.5M | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M | ||
| Q1 24 | — | $204.7M |
| Q4 25 | $284.4M | $232.1M | ||
| Q3 25 | $270.1M | $234.4M | ||
| Q2 25 | $252.6M | $238.8M | ||
| Q1 25 | $201.3M | $250.7M | ||
| Q4 24 | $185.5M | $289.4M | ||
| Q3 24 | $193.1M | $305.1M | ||
| Q2 24 | $177.5M | $329.4M | ||
| Q1 24 | $168.7M | $333.1M |
| Q4 25 | $2.7B | $320.9M | ||
| Q3 25 | $2.6B | $335.8M | ||
| Q2 25 | $2.6B | $354.0M | ||
| Q1 25 | $2.6B | $366.1M | ||
| Q4 24 | $2.5B | $420.2M | ||
| Q3 24 | $2.5B | $448.6M | ||
| Q2 24 | $2.5B | $475.3M | ||
| Q1 24 | $2.5B | $485.5M |
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 | $7.7M |
| Free Cash FlowOCF − Capex | $41.3M | $7.7M |
| FCF MarginFCF / Revenue | 125.1% | 21.0% |
| Capex IntensityCapex / Revenue | 7.6% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | $69.6M | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.8M | $7.7M | ||
| Q3 25 | $30.2M | $-2.1M | ||
| Q2 25 | $-5.0M | $-14.9M | ||
| Q1 25 | $4.8M | $-12.2M | ||
| Q4 24 | $34.6M | $-12.0M | ||
| Q3 24 | $10.2M | $-3.7M | ||
| Q2 24 | $9.3M | $-13.9M | ||
| Q1 24 | $2.3M | $-3.3M |
| Q4 25 | $41.3M | $7.7M | ||
| Q3 25 | $29.6M | $-2.2M | ||
| Q2 25 | $-5.7M | $-16.2M | ||
| Q1 25 | $4.3M | $-14.3M | ||
| Q4 24 | $32.9M | $-13.3M | ||
| Q3 24 | $10.0M | $-3.9M | ||
| Q2 24 | $9.2M | $-14.1M | ||
| Q1 24 | $2.0M | $-3.4M |
| Q4 25 | 125.1% | 21.0% | ||
| Q3 25 | 87.8% | -6.1% | ||
| Q2 25 | -17.5% | -42.3% | ||
| Q1 25 | 15.5% | -34.7% | ||
| Q4 24 | 120.0% | -37.5% | ||
| Q3 24 | 36.7% | -9.7% | ||
| Q2 24 | 32.8% | -29.1% | ||
| Q1 24 | 7.9% | -6.7% |
| Q4 25 | 7.6% | 0.0% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 2.3% | 3.3% | ||
| Q1 25 | 1.8% | 5.3% | ||
| Q4 24 | 6.3% | 3.5% | ||
| Q3 24 | 1.1% | 0.6% | ||
| Q2 24 | 0.4% | 0.5% | ||
| Q1 24 | 1.0% | 0.1% |
| 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.
Revenue Breakdown by Segment
OBT
Segment breakdown not available.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
