Orange County Bancorp (NASDAQ:OBT) & CNB Financial (NASDAQ:CCNE) Head to Head Survey

Orange County Bancorp (NASDAQ:OBT) and CNB Financial (NASDAQ:CCNE) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, risk, dividends, institutional ownership, analyst recommendations, earnings and valuation.

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Orange County Bancorp	$128.82 million	2.98	$27.88 million	$3.02	9.50
CNB Financial	$364.58 million	2.17	$54.58 million	$1.99	13.48

CNB Financial has higher revenue and earnings than Orange County Bancorp. Orange County Bancorp is trading at a lower price-to-earnings ratio than CNB Financial, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Orange County Bancorp has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500. Comparatively, CNB Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Orange County Bancorp	23.51%	15.98%	1.41%
CNB Financial	11.92%	10.38%	0.95%

Analyst Recommendations

This is a breakdown of current ratings and target prices for Orange County Bancorp and CNB Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orange County Bancorp	0	2	2	0	2.50
CNB Financial	0	2	1	1	2.75

Orange County Bancorp currently has a consensus target price of $30.25, indicating a potential upside of 5.47%. CNB Financial has a consensus target price of $27.75, indicating a potential upside of 3.47%. Given Orange County Bancorp’s higher possible upside, equities analysts clearly believe Orange County Bancorp is more favorable than CNB Financial.

Dividends

Orange County Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 2.5%. CNB Financial pays an annual dividend of $0.72 per share and has a dividend yield of 2.7%. Orange County Bancorp pays out 23.8% of its earnings in the form of a dividend. CNB Financial pays out 36.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. CNB Financial has raised its dividend for 1 consecutive years. CNB Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Institutional and Insider Ownership

42.6% of Orange County Bancorp shares are owned by institutional investors. Comparatively, 52.4% of CNB Financial shares are owned by institutional investors. 9.3% of Orange County Bancorp shares are owned by insiders. Comparatively, 2.9% of CNB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

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.

About CNB Financial

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides private banking; and wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and offers small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.