OBT vs. BFC
OBT (Orange County Bancorp, Inc.) and BFC (Bank First Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, OBT returned 14.95%/yr vs 20.25%/yr for BFC. At a 0.17 correlation, their price movements are largely independent.
Performance
OBT vs. BFC - Performance Comparison
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Returns By Period
In the year-to-date period, OBT achieves a 29.24% return, which is significantly higher than BFC's 19.19% return. Over the past 10 years, OBT has underperformed BFC with an annualized return of 14.95%, while BFC has yielded a comparatively higher 20.25% annualized return.
OBT
- 1D
- 1.02%
- 1M
- 7.78%
- YTD
- 29.24%
- 6M
- 29.15%
- 1Y
- 52.72%
- 3Y*
- 31.87%
- 5Y*
- 19.32%
- 10Y*
- 14.95%
BFC
- 1D
- 1.29%
- 1M
- 1.97%
- YTD
- 19.19%
- 6M
- 12.58%
- 1Y
- 27.97%
- 3Y*
- 23.18%
- 5Y*
- 17.15%
- 10Y*
- 20.25%
OBT vs. BFC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
OBT Orange County Bancorp, Inc. | 29.24% | 5.02% | -6.07% | 32.08% | 18.34% | 51.16% | -4.40% | 12.13% | -1.23% | 24.58% |
BFC Bank First Corporation | 19.19% | 28.68% | 16.37% | -5.32% | 30.02% | 13.29% | -6.17% | 52.07% | 5.71% | 36.37% |
Correlation
The correlation between OBT and BFC is 0.60, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.60 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.52 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.36 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.24 |
Correlation (All Time) Calculated using the full available price history since Oct 4, 2007 | 0.17 |
Over the past year, OBT and BFC have become more correlated (0.60) than their long-term average of 0.17, meaning their price movements have been converging.
Fundamentals
OBT:
$487.34M
BFC:
$1.62B
OBT:
$3.42
BFC:
$7.18
OBT:
10.67
BFC:
20.14
OBT:
0.83
BFC:
3.19
OBT:
3.02
BFC:
5.58
OBT:
1.67
BFC:
1.98
OBT:
$156.24M
BFC:
$264.29M
OBT:
$119.53M
BFC:
$191.50M
OBT:
$51.66M
BFC:
$94.45M
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Return for Risk
OBT vs. BFC — Risk / Return Rank
OBT
BFC
OBT vs. BFC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Orange County Bancorp, Inc. (OBT) and Bank First Corporation (BFC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| OBT | BFC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.77 | ||
| Sortino ratioReturn per unit of downside risk | +0.89 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.19 | +0.11 |
| Calmar ratioReturn relative to maximum drawdown | 2.96 | 1.98 | +0.97 |
| Martin ratioReturn relative to average drawdown | 6.57 | 4.22 | +2.35 |
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Drawdowns
OBT vs. BFC - Drawdown Comparison
The maximum OBT drawdown since its inception was -57.55%, smaller than the maximum BFC drawdown of -82.02%. Use the drawdown chart below to compare losses from any high point for OBT and BFC.
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Drawdown Indicators
| OBT | BFC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -57.55% | -82.02% | +24.47% |
Max Drawdown (1Y)Largest decline over 1 year | -17.91% | -14.17% | -3.74% |
Max Drawdown (3Y)Largest decline over 3 years | -32.48% | -15.70% | -16.78% |
Max Drawdown (5Y)Largest decline over 5 years | -45.77% | -32.75% | -13.02% |
Max Drawdown (10Y)Largest decline over 10 years | -57.55% | -39.78% | -17.77% |
Current DrawdownCurrent decline from peak | -1.96% | -4.37% | +2.41% |
Average DrawdownAverage peak-to-trough decline | -18.73% | -27.14% | +8.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.04% | 6.64% | +1.40% |
Volatility
OBT vs. BFC - Volatility Comparison
Orange County Bancorp, Inc. (OBT) has a higher volatility of 8.75% compared to Bank First Corporation (BFC) at 6.18%. This indicates that OBT's price experiences larger fluctuations and is considered to be riskier than BFC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OBT | BFC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.75% | 6.18% | +2.57% |
Volatility (6M)Calculated over the trailing 6-month period | 19.48% | 16.93% | +2.55% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.39% | 27.35% | +2.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 40.96% | 27.26% | +13.70% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 59.59% | 30.34% | +29.25% |
Dividends
OBT vs. BFC - Dividend Comparison
OBT's dividend yield for the trailing twelve months is around 1.84%, more than BFC's 1.28% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BFC Bank First Corporation | 1.28% | 4.35% | 1.56% | 1.33% | 1.01% | 1.58% | 1.25% | 1.14% | 1.46% | 1.43% | 1.77% | 2.23% |
OBT Orange County Bancorp, Inc. | 1.84% | 2.00% | 1.69% | 1.53% | 1.78% | 1.99% | 2.94% | 2.72% | 3.00% | 2.93% | 3.53% | 3.40% |
Financials
OBT vs. BFC - Financials Comparison
This section allows you to compare key financial metrics between Orange County Bancorp, Inc. and Bank First Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
OBT vs. BFC - Profitability Comparison
OBT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Orange County Bancorp, Inc. reported a gross profit of 27.90M and revenue of 34.42M. Therefore, the gross margin over that period was 81.1%.
BFC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bank First Corporation reported a gross profit of 63.91M and revenue of 84.30M. Therefore, the gross margin over that period was 75.8%.
OBT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Orange County Bancorp, Inc. reported an operating income of 10.41M and revenue of 34.42M, resulting in an operating margin of 30.3%.
BFC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bank First Corporation reported an operating income of 24.69M and revenue of 84.30M, resulting in an operating margin of 29.3%.
OBT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Orange County Bancorp, Inc. reported a net income of 11.28M and revenue of 34.42M, resulting in a net margin of 32.8%.
BFC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bank First Corporation reported a net income of 19.99M and revenue of 84.30M, resulting in a net margin of 23.7%.
Frequently Asked Questions
OBT and BFC have a correlation of 0.60, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
OBT has higher volatility (8.75%) compared to BFC (6.18%). In terms of maximum drawdown, OBT dropped -57.55% vs BFC's -82.02%.
OBT currently has the higher Sharpe Ratio (1.81 vs 1.03), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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