Analyzing Town and Country Financial (OTCMKTS:TWCF) & Orange County Bancorp (NASDAQ:OBT)

Town and Country Financial (OTCMKTS:TWCF) and Orange County Bancorp (NASDAQ:OBT) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, institutional ownership, earnings, valuation and dividends.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Town and Country Financial and Orange County Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Town and Country Financial	0	0	0	0	0.00
Orange County Bancorp	0	2	2	0	2.50

Orange County Bancorp has a consensus target price of $29.25, suggesting a potential upside of 18.90%. Given Orange County Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Orange County Bancorp is more favorable than Town and Country Financial.

Earnings and Valuation

This table compares Town and Country Financial and Orange County Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Town and Country Financial	N/A	N/A	N/A	N/A	N/A
Orange County Bancorp	$112.97 million	2.91	$27.88 million	$2.56	9.61

Orange County Bancorp has higher revenue and earnings than Town and Country Financial.

Insider and Institutional Ownership

42.5% of Orange County Bancorp shares are owned by institutional investors. 9.3% of Orange County Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Town and Country Financial and Orange County Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Town and Country Financial	N/A	N/A	N/A
Orange County Bancorp	19.84%	14.19%	1.16%

Summary

Orange County Bancorp beats Town and Country Financial on 9 of the 9 factors compared between the two stocks.

About Town and Country Financial

Town & Country Financial Corp. is a bank holding company, which engages in the provision of banking and financial services. It offers loans, investments, deposits, and cash management operations. Its has offices in Buffalo, Decatur, Edwardsville, Fairview Heights, Jacksonville, Lincoln, Mt. Zion, Springfield, and Quincy. The company was founded in 1983 and is headquartered in Springfield, IL.

About Orange County Bancorp

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and individuals. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services. The company operates full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.