TCBX vs. OBT
TCBX (Third Coast Bancshares, Inc.) and OBT (Orange County Bancorp, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 3 years, TCBX returned 35.75%/yr vs 30.32%/yr for OBT. At a 0.40 correlation, their price movements are largely independent.
Performance
TCBX vs. OBT - Performance Comparison
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Returns By Period
In the year-to-date period, TCBX achieves a 5.24% return, which is significantly lower than OBT's 33.32% return.
TCBX
- 1D
- -2.25%
- 1M
- 4.82%
- 6M
- 5.24%
- YTD
- 5.24%
- 1Y
- 16.25%
- 3Y*
- 35.75%
- 5Y*
- —
- 10Y*
- —
OBT
- 1D
- 0.03%
- 1M
- 10.17%
- 6M
- 33.32%
- YTD
- 33.32%
- 1Y
- 41.81%
- 3Y*
- 30.32%
- 5Y*
- 19.71%
- 10Y*
- 15.31%
TCBX vs. OBT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
TCBX Third Coast Bancshares, Inc. | 5.24% | 11.96% | 70.86% | 7.81% | -29.06% | -0.08% |
OBT Orange County Bancorp, Inc. | 33.32% | 5.02% | -6.07% | 32.08% | 18.34% | 5.91% |
Correlation
The correlation between TCBX and OBT is 0.63, 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 | 0.63 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.54 |
Correlation (All Time) Calculated using the full available price history since Nov 9, 2021 | 0.40 |
Over the past year, TCBX and OBT have become more correlated (0.63) than their long-term average of 0.40, meaning their price movements have been converging.
Fundamentals
TCBX:
$564.04M
OBT:
$504.81M
TCBX:
$6.11
OBT:
$3.31
TCBX:
6.54
OBT:
11.37
TCBX:
0.18
OBT:
0.89
TCBX:
1.19
OBT:
3.22
TCBX:
$380.73M
OBT:
$156.24M
TCBX:
$157.61M
OBT:
$119.53M
TCBX:
$71.50M
OBT:
$51.66M
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Return for Risk
TCBX vs. OBT — Risk / Return Rank
TCBX
OBT
TCBX vs. OBT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Third Coast Bancshares, Inc. (TCBX) and Orange County Bancorp, Inc. (OBT). 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.
| TCBX | OBT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.89 | ||
| Sortino ratioReturn per unit of downside risk | -1.03 | ||
| Omega ratioGain probability vs. loss probability | 1.12 | 1.25 | -0.14 |
| Calmar ratioReturn relative to maximum drawdown | 1.02 | 2.34 | -1.33 |
| Martin ratioReturn relative to average drawdown | 2.01 | 5.21 | -3.20 |
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Drawdowns
TCBX vs. OBT - Drawdown Comparison
The maximum TCBX drawdown since its inception was -54.53%, smaller than the maximum OBT drawdown of -57.55%. Use the drawdown chart below to compare losses from any high point for TCBX and OBT.
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Drawdown Indicators
| TCBX | OBT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -54.53% | -57.55% | +3.02% |
Max Drawdown (1Y)Largest decline over 1 year | -16.06% | -17.91% | +1.85% |
Max Drawdown (3Y)Largest decline over 3 years | -30.07% | -32.48% | +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 | -7.96% | 0.00% | -7.96% |
Average DrawdownAverage peak-to-trough decline | -21.41% | -18.71% | -2.70% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.08% | 8.04% | +0.04% |
Volatility
TCBX vs. OBT - Volatility Comparison
The current volatility for Third Coast Bancshares, Inc. (TCBX) is 7.94%, while Orange County Bancorp, Inc. (OBT) has a volatility of 8.70%. This indicates that TCBX experiences smaller price fluctuations and is considered to be less risky than OBT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TCBX | OBT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.94% | 8.70% | -0.76% |
Volatility (6M)Calculated over the trailing 6-month period | 20.32% | 19.33% | +0.99% |
Volatility (1Y)Calculated over the trailing 1-year period | 28.51% | 28.80% | -0.29% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 33.31% | 40.97% | -7.66% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 33.31% | 59.58% | -26.27% |
Dividends
TCBX vs. OBT - Dividend Comparison
TCBX has not paid dividends to shareholders, while OBT's dividend yield for the trailing twelve months is around 1.78%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
OBT Orange County Bancorp, Inc. | 1.78% | 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
TCBX vs. OBT - Financials Comparison
This section allows you to compare key financial metrics between Third Coast Bancshares, Inc. and Orange County Bancorp, 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
TCBX vs. OBT - Profitability Comparison
TCBX - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 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 - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 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 - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 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 - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 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 - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 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%.
OBT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 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%.
Frequently Asked Questions
TCBX and OBT have a correlation of 0.63, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
OBT has higher volatility (8.70%) compared to TCBX (7.94%). In terms of maximum drawdown, TCBX dropped -54.53% vs OBT's -57.55%.
OBT currently has the higher Sharpe Ratio (1.46 vs 0.57), 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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