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Side-by-side financial comparison of Orange County Bancorp, Inc. (OBT) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $33.0M, roughly 1.4× Orange County Bancorp, Inc.). Orange County Bancorp, Inc. runs the higher net margin — 37.6% vs -33.9%, a 71.5% gap on every dollar of revenue. On growth, Orange County Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
OBT vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.0M | $47.1M |
| Net Profit | $12.4M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 41.4% | -17.7% |
| Net Margin | 37.6% | -33.9% |
| Revenue YoY | 20.6% | -15.6% |
| Net Profit YoY | 73.5% | 68.8% |
| EPS (diluted) | $0.94 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $33.7M | $38.2M | ||
| Q2 25 | $32.5M | $38.4M | ||
| Q1 25 | $28.0M | $32.5M | ||
| Q4 24 | $27.4M | $55.8M | ||
| Q3 24 | $27.1M | $29.3M | ||
| Q2 24 | $27.9M | $34.0M | ||
| Q1 24 | $25.3M | $25.5M |
| Q4 25 | $12.4M | $-16.0M | ||
| Q3 25 | $10.0M | $-23.8M | ||
| Q2 25 | $10.5M | $202.5M | ||
| Q1 25 | $8.7M | $-25.0M | ||
| Q4 24 | $7.2M | $-51.1M | ||
| Q3 24 | $3.2M | $-148.3M | ||
| Q2 24 | $8.2M | $-582.3M | ||
| Q1 24 | $9.3M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 41.4% | -17.7% | ||
| Q3 25 | 38.6% | -33.6% | ||
| Q2 25 | 41.9% | -34.8% | ||
| Q1 25 | 40.3% | -65.0% | ||
| Q4 24 | 32.8% | -84.4% | ||
| Q3 24 | 14.8% | -493.2% | ||
| Q2 24 | 36.6% | -1705.5% | ||
| Q1 24 | 45.9% | -267.0% |
| Q4 25 | 37.6% | -33.9% | ||
| Q3 25 | 29.7% | -62.2% | ||
| Q2 25 | 32.2% | 527.8% | ||
| Q1 25 | 31.1% | -76.9% | ||
| Q4 24 | 26.2% | -91.6% | ||
| Q3 24 | 11.8% | -506.3% | ||
| Q2 24 | 29.4% | -1712.6% | ||
| Q1 24 | 36.7% | -283.9% |
| Q4 25 | $0.94 | $-4.40 | ||
| Q3 25 | $0.75 | $-2.84 | ||
| Q2 25 | $0.87 | $-1.79 | ||
| Q1 25 | $0.77 | $-0.15 | ||
| Q4 24 | $0.64 | $-15.29 | ||
| Q3 24 | $0.28 | $-18.24 | ||
| Q2 24 | $0.73 | $-71.81 | ||
| Q1 24 | $0.82 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $284.4M | $-249.4M |
| Total Assets | $2.7B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $284.4M | $-249.4M | ||
| Q3 25 | $270.1M | $-235.7M | ||
| Q2 25 | $252.6M | $-214.1M | ||
| Q1 25 | $201.3M | $-417.5M | ||
| Q4 24 | $185.5M | $-398.4M | ||
| Q3 24 | $193.1M | $-344.1M | ||
| Q2 24 | $177.5M | $-203.2M | ||
| Q1 24 | $168.7M | $371.6M |
| Q4 25 | $2.7B | $308.9M | ||
| Q3 25 | $2.6B | $362.6M | ||
| Q2 25 | $2.6B | $379.2M | ||
| Q1 25 | $2.6B | $405.1M | ||
| Q4 24 | $2.5B | $437.4M | ||
| Q3 24 | $2.5B | $537.8M | ||
| Q2 24 | $2.5B | $691.5M | ||
| Q1 24 | $2.5B | $1.3B |
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 | $8.2M |
| 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 | $43.8M | $8.2M | ||
| Q3 25 | $30.2M | $11.4M | ||
| Q2 25 | $-5.0M | $-21.3M | ||
| Q1 25 | $4.8M | $8.5M | ||
| Q4 24 | $34.6M | $-14.7M | ||
| Q3 24 | $10.2M | $-9.4M | ||
| Q2 24 | $9.3M | $-11.9M | ||
| Q1 24 | $2.3M | $-621.0K |
| 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 | 1.8% | — | ||
| Q2 25 | 2.3% | — | ||
| Q1 25 | 1.8% | — | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 1.0% | — |
| Q4 25 | 3.53× | — | ||
| Q3 25 | 3.01× | — | ||
| Q2 25 | -0.47× | -0.11× | ||
| 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.
