NPB vs OBT: stock comparison and AI forecast
Northpointe Bancshares Inc (NPB) and Orange County Bancorp, Inc. /De/ (OBT) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
NPB Northpointe Bancshares Inc
- Market Cap
- $550M
- P/E Ratio
- 7.2x
- Size
- small-cap
- AI Forecast
OBT Orange County Bancorp, Inc. /De/
- Price
- $40.11 +19.8% · 6M
- Market Cap
- $538M
- P/E Ratio
- 11.5x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- NPB and OBT have similar market capitalizations ($550M and $538M).
- NPB trades at 7.2 times trailing earnings, OBT at 11.5 times.
- OBT turns 38.6% of its revenue into net income, against 34.9% for NPB.
- NPB carries 11.31 times debt per unit of equity, against 8.13 times for OBT.
- OBT yields 1.67% in dividends and NPB 0.63%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | NPB | OBT |
|---|---|---|
| Market Cap | $550M | $538M |
| P/E Ratio | 7.22x | 11.52x |
| P/B Ratio | 0.90x | 1.75x |
| Dividend Yield | 0.63% | 1.67% |
| EPS | $2.20 | $3.48 |
| Book Value/Share | $17.69 | $22.87 |
| Revenue/Share | $7.44 | $9.15 |
| FCF/Share | $2.94 | $4.82 |
Profitability & Margins
| Metric | NPB | OBT |
|---|---|---|
| ROE | 14.7% | 15.5% |
| ROA | 1.2% | 1.7% |
| Net Margin | 34.9% | 38.6% |
| EBT Margin | 46.4% | 43.1% |
| Tax Rate | 24.9% | 10.3% |
Financial Health
| Metric | NPB | OBT |
|---|---|---|
| D/E Ratio | 11.31x | 8.13x |
| Financial Leverage | 12.31x | 9.13x |
Cash Flow
| Metric | NPB | OBT |
|---|---|---|
| Operating Cash Flow | $104M | $67M |
| Free Cash Flow | $102M | $65M |
| Capital Spending | -$2M | -$2M |
| OCF Growth YoY | – | 190.8% |
| FCF Growth YoY | – | 217.6% |
| FCF/Sales | 39.6% | 52.7% |
| CapEx/Sales | 0.7% | 1.7% |
Operational Efficiency
| Metric | NPB | OBT |
|---|---|---|
| Asset Turnover | 0.03x | 0.04x |
| Fixed Assets Turnover | 9.5x | 7.9x |
Income Statement
| Metric | NPB | OBT |
|---|---|---|
| Total Revenue | $257M | $123M |
| Net Income | $90M | $47M |
Dividend & Shareholder Information
| Metric | NPB | OBT |
|---|---|---|
| Dividends Per Share | $0.10 | $0.67 |
| Payout Ratio | 4.5% | 19.2% |
| Shares Outstanding | 35M | 13M |
| Net Income Growth | – | 60.4% |
| EPS Growth | – | 95.0% |
NPB vs OBT: stock comparison and AI forecast
Which is bigger, NPB or OBT?
NPB and OBT have similar market capitalizations ($550M and $538M).
Which is cheaper on earnings, NPB or OBT?
NPB trades at 7.2 times trailing earnings, OBT at 11.5 times.
Which one does Intratio's AI model rank higher, NPB or OBT?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.