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Side-by-side financial comparison of Orange County Bancorp, Inc. (OBT) and Zeo Energy Corp. (ZEO). 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 $18.6M, roughly 1.8× Zeo Energy Corp.). Orange County Bancorp, Inc. runs the higher net margin — 37.6% vs -10.8%, a 48.4% gap on every dollar of revenue. On growth, Orange County Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs -0.4%). Orange County Bancorp, Inc. produced more free cash flow last quarter ($41.3M vs $2.3M). Over the past eight quarters, Orange County Bancorp, Inc.'s revenue compounded faster (14.3% CAGR vs -4.0%).
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.
OBT vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $33.0M | $18.6M |
| Net Profit | $12.4M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 41.4% | -11.8% |
| Net Margin | 37.6% | -10.8% |
| Revenue YoY | 20.6% | -0.4% |
| Net Profit YoY | 73.5% | -360.9% |
| EPS (diluted) | $0.94 | — |
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 | $18.6M | ||
| Q3 25 | $33.7M | $23.9M | ||
| Q2 25 | $32.5M | $18.1M | ||
| Q1 25 | $28.0M | $8.8M | ||
| Q4 24 | $27.4M | $18.6M | ||
| Q3 24 | $27.1M | $19.7M | ||
| Q2 24 | $27.9M | $14.8M | ||
| Q1 24 | $25.3M | $20.1M |
| Q4 25 | $12.4M | $-2.0M | ||
| Q3 25 | $10.0M | $-3.2M | ||
| Q2 25 | $10.5M | $-2.4M | ||
| Q1 25 | $8.7M | $-6.4M | ||
| Q4 24 | $7.2M | $-435.3K | ||
| Q3 24 | $3.2M | $-424.3K | ||
| Q2 24 | $8.2M | $-277.8K | ||
| Q1 24 | $9.3M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 41.4% | -11.8% | ||
| Q3 25 | 38.6% | -8.3% | ||
| Q2 25 | 41.9% | -15.8% | ||
| Q1 25 | 40.3% | -153.8% | ||
| Q4 24 | 32.8% | -6.0% | ||
| Q3 24 | 14.8% | -15.2% | ||
| Q2 24 | 36.6% | -18.0% | ||
| Q1 24 | 45.9% | -20.1% |
| Q4 25 | 37.6% | -10.8% | ||
| Q3 25 | 29.7% | -13.5% | ||
| Q2 25 | 32.2% | -13.3% | ||
| Q1 25 | 31.1% | -72.4% | ||
| Q4 24 | 26.2% | -2.3% | ||
| Q3 24 | 11.8% | -2.2% | ||
| Q2 24 | 29.4% | -1.9% | ||
| Q1 24 | 36.7% | -7.6% |
| Q4 25 | $0.94 | — | ||
| Q3 25 | $0.75 | — | ||
| Q2 25 | $0.87 | — | ||
| Q1 25 | $0.77 | $-0.48 | ||
| Q4 24 | $0.64 | $1.11 | ||
| Q3 24 | $0.28 | $-0.08 | ||
| Q2 24 | $0.73 | $0.03 | ||
| Q1 24 | $0.82 | $-1.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $284.4M | $5.3M |
| Total Assets | $2.7B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $6.1M | ||
| Q3 25 | — | $3.9M | ||
| Q2 25 | — | $68.7K | ||
| Q1 25 | — | $2.9M | ||
| Q4 24 | — | $5.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $5.3M | ||
| Q1 24 | — | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $284.4M | $5.3M | ||
| Q3 25 | $270.1M | $-1.7M | ||
| Q2 25 | $252.6M | $-59.4M | ||
| Q1 25 | $201.3M | $-23.1M | ||
| Q4 24 | $185.5M | $-88.9M | ||
| Q3 24 | $193.1M | $-39.3M | ||
| Q2 24 | $177.5M | $-53.0M | ||
| Q1 24 | $168.7M | $-173.0M |
| Q4 25 | $2.7B | $56.9M | ||
| Q3 25 | $2.6B | $58.5M | ||
| Q2 25 | $2.6B | $46.2M | ||
| Q1 25 | $2.6B | $47.4M | ||
| Q4 24 | $2.5B | $61.0M | ||
| Q3 24 | $2.5B | $47.1M | ||
| Q2 24 | $2.5B | $49.1M | ||
| Q1 24 | $2.5B | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | $2.4M |
| Free Cash FlowOCF − Capex | $41.3M | $2.3M |
| FCF MarginFCF / Revenue | 125.1% | 12.2% |
| Capex IntensityCapex / Revenue | 7.6% | 0.9% |
| Cash ConversionOCF / Net Profit | 3.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | $69.6M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.8M | $2.4M | ||
| Q3 25 | $30.2M | $-6.6M | ||
| Q2 25 | $-5.0M | $-2.3M | ||
| Q1 25 | $4.8M | $-2.3M | ||
| Q4 24 | $34.6M | $3.5M | ||
| Q3 24 | $10.2M | $162.2K | ||
| Q2 24 | $9.3M | $-2.2M | ||
| Q1 24 | $2.3M | $-10.2M |
| Q4 25 | $41.3M | $2.3M | ||
| Q3 25 | $29.6M | $-6.8M | ||
| Q2 25 | $-5.7M | $-2.7M | ||
| Q1 25 | $4.3M | $-2.6M | ||
| Q4 24 | $32.9M | $3.4M | ||
| Q3 24 | $10.0M | $116.5K | ||
| Q2 24 | $9.2M | $-2.3M | ||
| Q1 24 | $2.0M | $-10.4M |
| Q4 25 | 125.1% | 12.2% | ||
| Q3 25 | 87.8% | -28.6% | ||
| Q2 25 | -17.5% | -15.0% | ||
| Q1 25 | 15.5% | -30.0% | ||
| Q4 24 | 120.0% | 18.2% | ||
| Q3 24 | 36.7% | 0.6% | ||
| Q2 24 | 32.8% | -15.6% | ||
| Q1 24 | 7.9% | -51.5% |
| Q4 25 | 7.6% | 0.9% | ||
| Q3 25 | 1.8% | 1.0% | ||
| Q2 25 | 2.3% | 2.4% | ||
| Q1 25 | 1.8% | 4.2% | ||
| Q4 24 | 6.3% | 0.5% | ||
| Q3 24 | 1.1% | 0.2% | ||
| Q2 24 | 0.4% | 0.7% | ||
| Q1 24 | 1.0% | 1.1% |
| 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.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
