First Internet Bancorp vs Orange County Bancorp
First Internet Bancorp and Orange County Bancorp are similar in size: $116m and $127m of revenue in their latest fiscal years. Orange County Bancorp grew faster (18.1% against -13.5%). Orange County Bancorp kept more of each dollar of sales as profit: a net margin of 32.7% against -30.2%.
| Latest fiscal year | First Internet BancorpINBK, 2025 | Orange County BancorpOBT, 2025 |
|---|---|---|
| Revenue | $116m | $127m |
| Revenue growth | -13.5% | 18.1% |
| Net income | −$35.2m | $41.6m |
| Operating margin | — | — |
| Net margin | -30.2% | 32.7% |
| Return on equity | -9.5% | 17.7% |
| Free cash flow | $2.2m | $41.3m |
| Cash | $457m | $204m |
| Total debt | $250m | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.24 | $0.57 |
| Dividend yield | 0.9% | 1.7% |
| Share buybacks | $521,000 | — |
| Employees | 355 | — |
| Market value | $237m | $538m |
| Price vs our value range | — | — |
| Moat score | 49 (Moderate) | — |
| Insider trades, 12 months | 2 buys, 0 sales | 1 buys, 5 sales |