Orange County Bancorp (OBT) vs Ponce Financial Group (PDLB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Orange County Bancorp (OBT) has outperformed Ponce Financial Group (PDLB) over the past year, gaining 51.3% versus a gain of 37.7%. Over five years, OBT leads with a +112.1% price change compared with +92.1% for PDLB. Orange County Bancorp is the larger company by market cap ($497.2 million vs $485.7 million), about 1.0 times the size.
On valuation, Orange County Bancorp trades at a lower forward P/E (9.9x vs 11.3x for Ponce Financial Group). Orange County Bancorp pays a dividend yielding 1.81%, while Ponce Financial Group does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | OBT | PDLB |
|---|---|---|
| Share price | $37.08 | $20.08 |
| Market cap | $497.17M | $485.69M |
| 1-day change | -1.12% | -1.28% |
| YTD return | +29.88% | +22.81% |
| 1-year return | +51.35% | +37.72% |
| 5-year return | +112.13% | +92.12% |
| P/E ratio (TTM) | 10.53 | 14.45 |
| Forward P/E | 9.89 | 11.34 |
| EPS (TTM) | $3.52 | $1.39 |
| Dividend yield | 1.81% | 0.00% |
| Annual dividend | $0.67 | $0.00 |
| 52-week high | $40.10 | $21.10 |
| 52-week low | $23.25 | $13.91 |
| Distance from 52-week high | -7.53% | -4.83% |
| Analyst consensus | none | none |
| Avg. price target upside | +16.86% | +19.52% |
| Average volume | 55.05K | 75.24K |
| Shares outstanding | 13.41M | 24.19M |
| Employees | 235 | 229 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- OBT has outperformed PDLB by 13.6 percentage points over the past year.
- Ponce Financial Group trades at a higher earnings multiple (14.4x vs 10.5x trailing P/E).
- Orange County Bancorp offers a meaningfully higher dividend yield (1.81% vs 0.00%).
About Orange County Bancorp
OBT stock →Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments.
Financial Services · Banks - Regional · 235 employees
About Ponce Financial Group
PDLB stock →Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services.
Financial Services · Banks - Regional · 229 employees
OBT vs PDLB FAQ
Which is bigger, Orange County Bancorp or Ponce Financial Group?
Orange County Bancorp (OBT) is larger, with a market capitalization of $497.17M compared with $485.69M for Ponce Financial Group (PDLB).
Which stock has performed better over the past year, OBT or PDLB?
OBT returned +51.35% over the past 12 months, compared with +37.72% for PDLB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OBT or PDLB?
OBT has the lower trailing P/E at 10.5, versus 14.4 for PDLB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Orange County Bancorp or Ponce Financial Group?
Orange County Bancorp pays a dividend yielding 1.81%, while Ponce Financial Group does not currently pay a regular dividend.
Are Orange County Bancorp and Ponce Financial Group in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.