COMP <GO>
OBT vs CZNC // EV/EBITDA & P/E VALUATION
Orange County Bancorp Inc. (NASDAQ) VS. Citizens & Northern Corp (NASDAQ) • 15-METRIC TALLY: OBT 5
— CZNC 2
■ METRIC PARITY
LAST: $38.58 (+1.26%) • MKT CAP: $517.3M
valuation
—
LAST: $27.82 (+1.20%) • MKT CAP: $498.9M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OBT VS. CZNC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OBT | CZNC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.60% | 6.90% | +7.70 | OBT | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.99% | 6.03% | +1.96 | OBT | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.37% | 3.27% | -1.90 | CZNC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | OBT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.4 | 71.0 | -10.65 | CZNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.5x | 19.8x | -8.30 | OBT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $517.3M | $498.9M | $18.3M | OBT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OBT REV | CZNC REV | OBT GROSS % | CZNC GROSS % | OBT FCF | CZNC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $41.3M | $30.1M |
| FY 2024 | $0 | $0 | — | — | $32.9M | $31.1M |
| FY 2023 | $0 | $0 | — | — | $44.5M | $33.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OBT // BETA —
CZNC // BETA —