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Side-by-side financial comparison of Orange County Bancorp, Inc. (OBT) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $33.0M, roughly 1.8× Orange County Bancorp, Inc.). Orange County Bancorp, Inc. runs the higher net margin — 37.6% vs 20.0%, a 17.7% gap on every dollar of revenue. On growth, TSS, Inc. posted the faster year-over-year revenue change (21.8% vs 20.6%). Orange County Bancorp, Inc. produced more free cash flow last quarter ($41.3M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
OBT vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.0M | $60.9M |
| Net Profit | $12.4M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | 41.4% | 1.5% |
| Net Margin | 37.6% | 20.0% |
| Revenue YoY | 20.6% | 21.8% |
| Net Profit YoY | 73.5% | 535.7% |
| EPS (diluted) | $0.94 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $33.7M | $41.9M | ||
| Q2 25 | $32.5M | $44.0M | ||
| Q1 25 | $28.0M | $99.0M | ||
| Q4 24 | $27.4M | $50.0M | ||
| Q3 24 | $27.1M | $70.1M | ||
| Q2 24 | $27.9M | $12.2M | ||
| Q1 24 | $25.3M | $15.9M |
| Q4 25 | $12.4M | $12.2M | ||
| Q3 25 | $10.0M | $-1.5M | ||
| Q2 25 | $10.5M | $1.5M | ||
| Q1 25 | $8.7M | $3.0M | ||
| Q4 24 | $7.2M | $1.9M | ||
| Q3 24 | $3.2M | $2.6M | ||
| Q2 24 | $8.2M | $1.4M | ||
| Q1 24 | $9.3M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | 41.4% | 1.5% | ||
| Q3 25 | 38.6% | -2.2% | ||
| Q2 25 | 41.9% | 5.1% | ||
| Q1 25 | 40.3% | 4.2% | ||
| Q4 24 | 32.8% | 0.0% | ||
| Q3 24 | 14.8% | 5.4% | ||
| Q2 24 | 36.6% | 14.0% | ||
| Q1 24 | 45.9% | 1.6% |
| Q4 25 | 37.6% | 20.0% | ||
| Q3 25 | 29.7% | -3.6% | ||
| Q2 25 | 32.2% | 3.4% | ||
| Q1 25 | 31.1% | 3.0% | ||
| Q4 24 | 26.2% | 3.8% | ||
| Q3 24 | 11.8% | 3.8% | ||
| Q2 24 | 29.4% | 11.5% | ||
| Q1 24 | 36.7% | 0.1% |
| Q4 25 | $0.94 | $0.44 | ||
| Q3 25 | $0.75 | $-0.06 | ||
| Q2 25 | $0.87 | $0.06 | ||
| Q1 25 | $0.77 | $0.12 | ||
| Q4 24 | $0.64 | $0.08 | ||
| Q3 24 | $0.28 | $0.10 | ||
| Q2 24 | $0.73 | $0.06 | ||
| Q1 24 | $0.82 | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $284.4M | $76.6M |
| Total Assets | $2.7B | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $85.5M | ||
| Q3 25 | — | $70.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $23.2M | ||
| Q3 24 | — | $46.4M | ||
| Q2 24 | — | $8.3M | ||
| Q1 24 | — | $14.4M |
| Q4 25 | $284.4M | $76.6M | ||
| Q3 25 | $270.1M | $63.4M | ||
| Q2 25 | $252.6M | $9.5M | ||
| Q1 25 | $201.3M | $9.4M | ||
| Q4 24 | $185.5M | $7.1M | ||
| Q3 24 | $193.1M | $7.7M | ||
| Q2 24 | $177.5M | $5.2M | ||
| Q1 24 | $168.7M | $3.7M |
| Q4 25 | $2.7B | $184.9M | ||
| Q3 25 | $2.6B | $165.4M | ||
| Q2 25 | $2.6B | $139.5M | ||
| Q1 25 | $2.6B | $113.5M | ||
| Q4 24 | $2.5B | $96.6M | ||
| Q3 24 | $2.5B | $67.3M | ||
| Q2 24 | $2.5B | $28.9M | ||
| Q1 24 | $2.5B | $26.8M |
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 | $16.3M |
| Free Cash FlowOCF − Capex | $41.3M | $15.8M |
| FCF MarginFCF / Revenue | 125.1% | 25.9% |
| Capex IntensityCapex / Revenue | 7.6% | 0.9% |
| Cash ConversionOCF / Net Profit | 3.53× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $69.6M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.8M | $16.3M | ||
| Q3 25 | $30.2M | $-18.4M | ||
| Q2 25 | $-5.0M | $16.3M | ||
| Q1 25 | $4.8M | $20.6M | ||
| Q4 24 | $34.6M | $-21.6M | ||
| Q3 24 | $10.2M | $38.6M | ||
| Q2 24 | $9.3M | $-4.3M | ||
| Q1 24 | $2.3M | $2.6M |
| Q4 25 | $41.3M | $15.8M | ||
| Q3 25 | $29.6M | $-24.9M | ||
| Q2 25 | $-5.7M | $5.4M | ||
| Q1 25 | $4.3M | $5.8M | ||
| Q4 24 | $32.9M | $-28.4M | ||
| Q3 24 | $10.0M | $38.6M | ||
| Q2 24 | $9.2M | $-6.0M | ||
| Q1 24 | $2.0M | $2.6M |
| Q4 25 | 125.1% | 25.9% | ||
| Q3 25 | 87.8% | -59.3% | ||
| Q2 25 | -17.5% | 12.3% | ||
| Q1 25 | 15.5% | 5.8% | ||
| Q4 24 | 120.0% | -56.7% | ||
| Q3 24 | 36.7% | 55.1% | ||
| Q2 24 | 32.8% | -49.4% | ||
| Q1 24 | 7.9% | 16.4% |
| Q4 25 | 7.6% | 0.9% | ||
| Q3 25 | 1.8% | 15.3% | ||
| Q2 25 | 2.3% | 24.8% | ||
| Q1 25 | 1.8% | 15.0% | ||
| Q4 24 | 6.3% | 13.4% | ||
| Q3 24 | 1.1% | 0.1% | ||
| Q2 24 | 0.4% | 13.8% | ||
| Q1 24 | 1.0% | 0.2% |
| Q4 25 | 3.53× | 1.34× | ||
| Q3 25 | 3.01× | — | ||
| Q2 25 | -0.47× | 11.02× | ||
| Q1 25 | 0.56× | 6.93× | ||
| Q4 24 | 4.83× | -11.32× | ||
| Q3 24 | 3.19× | 14.60× | ||
| Q2 24 | 1.13× | -3.09× | ||
| Q1 24 | 0.24× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OBT
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
