Seacoast Banking Corporation of Florida (NASDAQ:SBCF – Get Free Report) and Orange County Bancorp (NASDAQ:OBT – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, analyst recommendations, profitability, dividends, institutional ownership, risk and earnings.
Risk & Volatility
Seacoast Banking Corporation of Florida has a beta of 0.9, meaning that its share price is 10% less volatile than the S&P 500. Comparatively, Orange County Bancorp has a beta of 0.42, meaning that its share price is 58% less volatile than the S&P 500.
Profitability
This table compares Seacoast Banking Corporation of Florida and Orange County Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Seacoast Banking Corporation of Florida | 15.11% | 8.68% | 1.14% |
| Orange County Bancorp | 30.80% | 16.44% | 1.75% |
Analyst Ratings
This is a summary of current ratings and recommmendations for Seacoast Banking Corporation of Florida and Orange County Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Seacoast Banking Corporation of Florida | 0 | 2 | 3 | 0 | 2.60 |
| Orange County Bancorp | 0 | 0 | 2 | 2 | 3.50 |
Seacoast Banking Corporation of Florida presently has a consensus target price of $36.50, suggesting a potential upside of 12.55%. Orange County Bancorp has a consensus target price of $43.25, suggesting a potential upside of 17.75%. Given Orange County Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Orange County Bancorp is more favorable than Seacoast Banking Corporation of Florida.
Institutional and Insider Ownership
81.8% of Seacoast Banking Corporation of Florida shares are owned by institutional investors. Comparatively, 42.5% of Orange County Bancorp shares are owned by institutional investors. 1.5% of Seacoast Banking Corporation of Florida shares are owned by company insiders. Comparatively, 8.2% of Orange County Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Seacoast Banking Corporation of Florida and Orange County Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Seacoast Banking Corporation of Florida | $732.57 million | 4.29 | $144.88 million | $1.57 | 20.66 |
| Orange County Bancorp | $126.56 million | 3.89 | $41.61 million | $3.55 | 10.35 |
Seacoast Banking Corporation of Florida has higher revenue and earnings than Orange County Bancorp. Orange County Bancorp is trading at a lower price-to-earnings ratio than Seacoast Banking Corporation of Florida, indicating that it is currently the more affordable of the two stocks.
Dividends
Seacoast Banking Corporation of Florida pays an annual dividend of $0.76 per share and has a dividend yield of 2.3%. Orange County Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 2.0%. Seacoast Banking Corporation of Florida pays out 48.4% of its earnings in the form of a dividend. Orange County Bancorp pays out 20.3% 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. Seacoast Banking Corporation of Florida has increased its dividend for 4 consecutive years. Seacoast Banking Corporation of Florida is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
About Seacoast Banking Corporation of Florida
Seacoast Banking Corp. of Florida is a financial holding company, which engages in the provision of integrated financial services. It provides banking and investment services to businesses and consumers, including personal and business deposit products, Internet and mobile banking, personal, commercial and mortgage loans, wealth management services, and treasury management solutions. The company was founded in 1983 and is headquartered in Stuart, FL.
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.
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