OBT vs. TCBX
OBT (Orange County Bancorp, Inc.) and TCBX (Third Coast Bancshares, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 3 years, OBT returned 31.87%/yr vs 33.04%/yr for TCBX. At a 0.40 correlation, their price movements are largely independent.
Performance
OBT vs. TCBX - 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 TCBX's 4.89% 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%
TCBX
- 1D
- 2.81%
- 1M
- 4.70%
- YTD
- 4.89%
- 6M
- 0.83%
- 1Y
- 24.87%
- 3Y*
- 33.04%
- 5Y*
- —
- 10Y*
- —
OBT vs. TCBX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
OBT Orange County Bancorp, Inc. | 29.24% | 5.02% | -6.07% | 32.08% | 18.34% | 5.91% |
TCBX Third Coast Bancshares, Inc. | 4.89% | 11.96% | 70.86% | 7.81% | -29.06% | -0.08% |
Correlation
The correlation between OBT and TCBX is 0.65, 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 | 0.65 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.53 |
Correlation (All Time) Calculated using the full available price history since Nov 9, 2021 | 0.40 |
Over the past year, OBT and TCBX have become more correlated (0.65) than their long-term average of 0.40, meaning their price movements have been converging.
Fundamentals
OBT:
$3.42
TCBX:
$5.38
OBT:
10.67
TCBX:
7.41
OBT:
0.83
TCBX:
0.21
OBT:
3.02
TCBX:
1.34
OBT:
$156.24M
TCBX:
$380.73M
OBT:
$119.53M
TCBX:
$157.61M
OBT:
$51.66M
TCBX:
$71.50M
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Return for Risk
OBT vs. TCBX — Risk / Return Rank
OBT
TCBX
OBT vs. TCBX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Orange County Bancorp, Inc. (OBT) and Third Coast Bancshares, Inc. (TCBX). 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 | TCBX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.94 | ||
| Sortino ratioReturn per unit of downside risk | +1.03 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.16 | +0.14 |
| Calmar ratioReturn relative to maximum drawdown | 2.96 | 1.56 | +1.40 |
| Martin ratioReturn relative to average drawdown | 6.57 | 3.11 | +3.46 |
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Drawdowns
OBT vs. TCBX - Drawdown Comparison
The maximum OBT drawdown since its inception was -57.55%, which is greater than TCBX's maximum drawdown of -54.53%. Use the drawdown chart below to compare losses from any high point for OBT and TCBX.
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Drawdown Indicators
| OBT | TCBX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -57.55% | -54.53% | -3.02% |
Max Drawdown (1Y)Largest decline over 1 year | -17.91% | -16.06% | -1.85% |
Max Drawdown (3Y)Largest decline over 3 years | -32.48% | -30.07% | -2.41% |
Max Drawdown (5Y)Largest decline over 5 years | -45.77% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -57.55% | — | — |
Current DrawdownCurrent decline from peak | -1.96% | -8.26% | +6.30% |
Average DrawdownAverage peak-to-trough decline | -18.73% | -21.50% | +2.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.04% | 8.00% | +0.04% |
Volatility
OBT vs. TCBX - Volatility Comparison
Orange County Bancorp, Inc. (OBT) has a higher volatility of 8.75% compared to Third Coast Bancshares, Inc. (TCBX) at 7.17%. This indicates that OBT's price experiences larger fluctuations and is considered to be riskier than TCBX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OBT | TCBX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.75% | 7.17% | +1.58% |
Volatility (6M)Calculated over the trailing 6-month period | 19.48% | 20.36% | -0.88% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.39% | 28.91% | +0.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 40.96% | 33.37% | +7.59% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 59.59% | 33.37% | +26.22% |
Dividends
OBT vs. TCBX - Dividend Comparison
OBT's dividend yield for the trailing twelve months is around 1.84%, while TCBX has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
TCBX Third Coast Bancshares, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
OBT vs. TCBX - Financials Comparison
This section allows you to compare key financial metrics between Orange County Bancorp, Inc. and Third Coast Bancshares, Inc.. 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. TCBX - 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%.
TCBX - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Third Coast Bancshares, Inc. reported a gross profit of 0.00 and revenue of 97.39M. Therefore, the gross margin over that period was 0.0%.
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%.
TCBX - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Third Coast Bancshares, Inc. reported an operating income of 0.00 and revenue of 97.39M, resulting in an operating margin of 0.0%.
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%.
TCBX - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Third Coast Bancshares, Inc. reported a net income of 16.37M and revenue of 97.39M, resulting in a net margin of 16.8%.
Frequently Asked Questions
OBT and TCBX have a correlation of 0.65, 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 TCBX (7.17%). In terms of maximum drawdown, OBT dropped -57.55% vs TCBX's -54.53%.
OBT currently has the higher Sharpe Ratio (1.81 vs 0.87), 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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