Orange County Bancorp, Inc. (OBT) vs Private Bancorp of America, Inc. (PBAM)
A side-by-side comparison of Orange County Bancorp, Inc. and Private Bancorp of America, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — OBT vs PBAM
growth of $100 · dividends reinvested · last 10yOBT vs PBAM: by the numbers
- •OBT is the larger company ($503M vs $494M market cap).
- •OBT trades at the lower trailing earnings multiple (10.56 vs 11.20 P/E), one valuation lens rather than an overall verdict.
- •OBT converts more revenue to profit (31.45% vs 25.49% net margin).
- •PBAM grew revenue faster over the past five years (21.76% vs 16.77% CAGR).
- •OBT pays a dividend (1.90% yield), while PBAM has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | OBT | PBAM |
|---|---|---|
| P/E ratio | 10.56 | 11.20 |
| Forward P/E | 10.87 | 10.13 |
| PEG ratio | 0.51 | 0.39 |
| P/S ratio | 3.34 | 2.81 |
| P/B ratio | 1.64 | 1.73 |
Profitability
| Metric | OBT | PBAM |
|---|---|---|
| Operating margin | 34.01% | 35.75% |
| Net margin | 31.45% | 25.49% |
| ROE | 15.46% | 15.66% |
Orange County Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Private Bancorp of America, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | OBT | PBAM |
|---|---|---|
| Dividend yield | 1.90% | N/A |
| Payout ratio | 20.28% | N/A |
Growth (annualized)
| Metric | OBT | PBAM |
|---|---|---|
| Revenue CAGR (5Y) | 16.77% | 21.76% |
| EPS CAGR (5Y) | 20.70% | 29.37% |
| Total return CAGR (5Y) | 19.53% | 28.40% |
Frequently asked
- Which has the lower trailing P/E, OBT or PBAM?
- OBT has the lower trailing P/E: OBT trades at 10.56 and PBAM at 11.20. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, OBT or PBAM?
- Over the past five years, PBAM grew revenue faster — OBT at a 16.77% CAGR versus PBAM at 21.76%.
- Does OBT or PBAM pay a bigger dividend?
- OBT pays a dividend (1.90% yield), while PBAM has no payments in the available dividend history.
- Is OBT or PBAM more profitable?
- OBT runs the higher net margin — OBT at 31.45% versus PBAM at 25.49%.
- How have OBT and PBAM total returns compared?
- Over the past 10 years, OBT delivered 15.24% and PBAM delivered 18.18% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Orange County Bancorp & Private Bancorp of America appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.