ABN AMRO Bank (OTCMKTS:AAVMY – Get Free Report) and Orange County Bancorp (NASDAQ:OBT – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, valuation, profitability, analyst recommendations, earnings, institutional ownership and dividends.
Institutional & Insider Ownership
42.5% of Orange County Bancorp shares are held by institutional investors. 8.2% of Orange County Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
This is a summary of recent ratings and recommmendations for ABN AMRO Bank and Orange County Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| ABN AMRO Bank | 0 | 1 | 5 | 1 | 3.00 |
| Orange County Bancorp | 0 | 1 | 2 | 1 | 3.00 |
Earnings & Valuation
This table compares ABN AMRO Bank and Orange County Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| ABN AMRO Bank | $19.04 billion | 1.95 | $2.30 billion | $3.24 | 13.96 |
| Orange County Bancorp | $158.13 million | 3.16 | $41.61 million | $3.55 | 10.49 |
ABN AMRO Bank has higher revenue and earnings than Orange County Bancorp. Orange County Bancorp is trading at a lower price-to-earnings ratio than ABN AMRO Bank, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares ABN AMRO Bank and Orange County Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| ABN AMRO Bank | 14.22% | 9.12% | 0.56% |
| Orange County Bancorp | 30.80% | 16.44% | 1.75% |
Dividends
ABN AMRO Bank pays an annual dividend of $1.19 per share and has a dividend yield of 2.6%. Orange County Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 1.9%. ABN AMRO Bank pays out 36.7% 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.
Summary
Orange County Bancorp beats ABN AMRO Bank on 9 of the 14 factors compared between the two stocks.
About ABN AMRO Bank
ABN AMRO Bank N.V. provides various banking products and financial services to retail, private, and business clients in the Netherlands and internationally. It operates through three segments: Personal & Business Banking, Wealth Management, and Corporate Banking. The company provides savings and deposits products; investment and insurance products; and consumer, personal, car, and home improvement loan. It also issues, promotes, manages, and processes credit cards; trade finance, international payments, and treasury management; corporate finance and equity capital market; and revolving credit card facilities and pension schemes, as well as consumer credit and mortgages; and life and non-life insurance products. In addition, it offers asset-based solutions, including working capital solutions, equipment leases and loans, and vendor lease services; private banking and wealth-management-related services; and derivatives and equity clearing services. The company was incorporated in 2009 and is headquartered in Amsterdam, the Netherlands. ABN AMRO Bank N.V. operates as a subsidiary of Stichting Administratiekantoor Continuïteit Abn Amro Bank.
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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