First Bank and Orange County Bancorp Compared

Analysis of two finance companies' performance and outlook

Published on Feb. 14, 2026

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Orange County Bancorp (NASDAQ:OBT) and First Bank (NASDAQ:FRBA) are both finance companies, but a comparison of the two businesses based on factors like profitability, earnings, risk, dividends, analyst recommendations, institutional ownership and valuation shows First Bank has an edge over Orange County Bancorp in several areas.

Why it matters

This analysis provides investors with a detailed comparison of two regional finance companies, highlighting their relative strengths and weaknesses which can inform investment decisions in the banking and finance sector.

The details

The analysis looks at metrics like net margins, return on equity, return on assets, stock price volatility, analyst recommendations, institutional ownership, and dividend payouts. It finds that First Bank has a higher potential upside based on analyst targets, stronger institutional ownership, and a more favorable dividend profile compared to Orange County Bancorp.

  • The analysis was published on February 14, 2026.

The players

Orange County Bancorp

A finance company that provides commercial and consumer banking products and services, as well as trust and wealth management services, through its subsidiaries. It is headquartered in Middletown, New York.

First Bank

A finance company that provides various banking products and services to small to mid-sized businesses and individuals. It is headquartered in Hamilton, New Jersey.

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The takeaway

This analysis highlights how two regional finance companies in the Northeast US compare on key metrics, with First Bank emerging as the more favorable investment option based on factors like valuation, dividends, and institutional support.