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Side-by-side financial comparison of Orange County Bancorp, Inc. (OBT) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
UNITY BANCORP INC is the larger business by last-quarter revenue ($35.3M vs $33.0M, roughly 1.1× Orange County Bancorp, Inc.). UNITY BANCORP INC runs the higher net margin — 43.9% vs 37.6%, a 6.2% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs 20.6%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $41.3M). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% 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.
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
OBT vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.0M | $35.3M |
| Net Profit | $12.4M | $15.5M |
| Gross Margin | — | — |
| Operating Margin | 41.4% | 55.8% |
| Net Margin | 37.6% | 43.9% |
| Revenue YoY | 20.6% | 24.2% |
| Net Profit YoY | 73.5% | 34.5% |
| EPS (diluted) | $0.94 | $1.52 |
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 | $35.3M | ||
| Q3 25 | $33.7M | $32.8M | ||
| Q2 25 | $32.5M | $34.4M | ||
| Q1 25 | $28.0M | $29.4M | ||
| Q4 24 | $27.4M | $28.4M | ||
| Q3 24 | $27.1M | $27.7M | ||
| Q2 24 | $27.9M | $25.5M | ||
| Q1 24 | $25.3M | $25.6M |
| Q4 25 | $12.4M | $15.5M | ||
| Q3 25 | $10.0M | $14.4M | ||
| Q2 25 | $10.5M | $16.5M | ||
| Q1 25 | $8.7M | $11.6M | ||
| Q4 24 | $7.2M | $11.5M | ||
| Q3 24 | $3.2M | $10.9M | ||
| Q2 24 | $8.2M | $9.5M | ||
| Q1 24 | $9.3M | $9.6M |
| Q4 25 | 41.4% | 55.8% | ||
| Q3 25 | 38.6% | 57.5% | ||
| Q2 25 | 41.9% | 62.6% | ||
| Q1 25 | 40.3% | 52.6% | ||
| Q4 24 | 32.8% | 51.0% | ||
| Q3 24 | 14.8% | 52.7% | ||
| Q2 24 | 36.6% | 49.3% | ||
| Q1 24 | 45.9% | 50.0% |
| Q4 25 | 37.6% | 43.9% | ||
| Q3 25 | 29.7% | 43.8% | ||
| Q2 25 | 32.2% | 48.0% | ||
| Q1 25 | 31.1% | 39.5% | ||
| Q4 24 | 26.2% | 40.5% | ||
| Q3 24 | 11.8% | 39.4% | ||
| Q2 24 | 29.4% | 37.1% | ||
| Q1 24 | 36.7% | 37.5% |
| Q4 25 | $0.94 | $1.52 | ||
| Q3 25 | $0.75 | $1.41 | ||
| Q2 25 | $0.87 | $1.61 | ||
| Q1 25 | $0.77 | $1.13 | ||
| Q4 24 | $0.64 | $1.13 | ||
| Q3 24 | $0.28 | $1.07 | ||
| Q2 24 | $0.73 | $0.92 | ||
| Q1 24 | $0.82 | $0.94 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $284.4M | $345.6M |
| Total Assets | $2.7B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $284.4M | $345.6M | ||
| Q3 25 | $270.1M | $334.0M | ||
| Q2 25 | $252.6M | $319.8M | ||
| Q1 25 | $201.3M | $306.1M | ||
| Q4 24 | $185.5M | $295.6M | ||
| Q3 24 | $193.1M | $284.3M | ||
| Q2 24 | $177.5M | $273.4M | ||
| Q1 24 | $168.7M | $266.8M |
| Q4 25 | $2.7B | $3.0B | ||
| Q3 25 | $2.6B | $2.9B | ||
| Q2 25 | $2.6B | $2.9B | ||
| Q1 25 | $2.6B | $2.8B | ||
| Q4 24 | $2.5B | $2.7B | ||
| Q3 24 | $2.5B | $2.6B | ||
| Q2 24 | $2.5B | $2.6B | ||
| Q1 24 | $2.5B | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $44.9M |
| Free Cash FlowOCF − Capex | $41.3M | $44.3M |
| FCF MarginFCF / Revenue | 125.1% | 125.7% |
| Capex IntensityCapex / Revenue | 7.6% | 1.6% |
| Cash ConversionOCF / Net Profit | 3.53× | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | $69.6M | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.8M | $44.9M | ||
| Q3 25 | $30.2M | $45.5M | ||
| Q2 25 | $-5.0M | $-25.3M | ||
| Q1 25 | $4.8M | $17.9M | ||
| Q4 24 | $34.6M | $48.0M | ||
| Q3 24 | $10.2M | $17.7M | ||
| Q2 24 | $9.3M | $-8.4M | ||
| Q1 24 | $2.3M | $15.8M |
| Q4 25 | $41.3M | $44.3M | ||
| Q3 25 | $29.6M | $45.3M | ||
| Q2 25 | $-5.7M | $-25.5M | ||
| Q1 25 | $4.3M | $17.6M | ||
| Q4 24 | $32.9M | $47.3M | ||
| Q3 24 | $10.0M | $17.5M | ||
| Q2 24 | $9.2M | $-8.6M | ||
| Q1 24 | $2.0M | $15.7M |
| Q4 25 | 125.1% | 125.7% | ||
| Q3 25 | 87.8% | 138.1% | ||
| Q2 25 | -17.5% | -74.2% | ||
| Q1 25 | 15.5% | 59.9% | ||
| Q4 24 | 120.0% | 166.5% | ||
| Q3 24 | 36.7% | 63.3% | ||
| Q2 24 | 32.8% | -33.7% | ||
| Q1 24 | 7.9% | 61.4% |
| Q4 25 | 7.6% | 1.6% | ||
| Q3 25 | 1.8% | 0.7% | ||
| Q2 25 | 2.3% | 0.5% | ||
| Q1 25 | 1.8% | 1.0% | ||
| Q4 24 | 6.3% | 2.4% | ||
| Q3 24 | 1.1% | 0.5% | ||
| Q2 24 | 0.4% | 0.5% | ||
| Q1 24 | 1.0% | 0.3% |
| Q4 25 | 3.53× | 2.90× | ||
| Q3 25 | 3.01× | 3.16× | ||
| Q2 25 | -0.47× | -1.54× | ||
| Q1 25 | 0.56× | 1.54× | ||
| Q4 24 | 4.83× | 4.17× | ||
| Q3 24 | 3.19× | 1.62× | ||
| Q2 24 | 1.13× | -0.89× | ||
| Q1 24 | 0.24× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
