OBT vs MSIF

Comparison between Orange County Bancorp Inc (OBT, Company) and MSC Income Fund Inc (MSIF, Company).

Both OBT and MSIF are from the Financial Services sector.

OBT vs MSIF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OBT(COMPANY)	MSIF(COMPANY)
Market Cap	$499M	$499M
Max Drawdown	60.57%	39.15%
Sharpe Ratio	1.07	-1.23
5Y Beta	0.99	0.66
Industry	Banks - Regional	Asset Management
P/E Ratio	11.26	5.97
Forward P/E	N/A	7.78
PEG Ratio	0.30	0.12
Dividend Yield	1.65%	12.60%
5Y Dividends CAGR	14.87%	N/A
Debt to Equity	0.00%	90.21%
Free Cash Flow Yield	9.36%	-24.37%
P/S Ratio	4.01	3.57
P/B Ratio	1.73	0.70

Market Cap

OBT

$499M

Winner

MSIF

$499M

Max Drawdown

OBT

60.57%

Winner

MSIF

39.15%

Sharpe Ratio

Winner

OBT

1.07

MSIF

-1.23

5Y Beta

OBT

0.99

Winner

MSIF

0.66

Industry

OBT

Banks - Regional

MSIF

Asset Management

P/E Ratio

OBT

11.26

Winner

MSIF

5.97

Forward P/E

OBT

N/A

MSIF

7.78

PEG Ratio

OBT

0.30

Winner

MSIF

0.12

Dividend Yield

OBT

1.65%

Winner

MSIF

12.60%

5Y Dividends CAGR

OBT

14.87%

MSIF

N/A

Debt to Equity

Winner

OBT

0.00%

MSIF

90.21%

Free Cash Flow Yield

Winner

OBT

9.36%

MSIF

-24.37%

P/S Ratio

OBT

4.01

Winner

MSIF

3.57

P/B Ratio

OBT

1.73

Winner

MSIF

0.70

OBT vs MSIF - Historical Returns

Returns include dividend reinvestment.

Period	OBT	MSIF
1 month	+2.03%	-3.03%
3 months	+5.04%	-10.28%
6 months	+26.40%	-13.79%
1 year	+38.20%	-27.91%
5 years(CAGR)	+19.76%	N/A
10 years(CAGR)	+15.15%	N/A
Max(CAGR)	+9.01%	-14.57%

Winner

OBT

+2.03%

MSIF

-3.03%

Winner

OBT

+5.04%

MSIF

-10.28%

Winner

OBT

+26.40%

MSIF

-13.79%

Winner

OBT

+38.20%

MSIF

-27.91%

5Y(CAGR)

OBT

+19.76%

MSIF

N/A

10Y(CAGR)

OBT

+15.15%

MSIF

N/A

Max(CAGR)

Winner

OBT

+9.01%

MSIF

-14.57%

OBT vs MSIF - Annual Returns (2007 - 2026)

Returns include dividend reinvestment.

Year	OBT	MSIF
2026	+32.63%	-15.52%
2025	+8.14%	-8.45%
2024	-3.65%	N/A
2023	+31.35%	N/A
2022	+16.71%	N/A
2021	+51.05%	N/A
2020	-4.09%	N/A
2019	+12.10%	N/A
2018	-1.24%	N/A
2017	+25.96%	N/A
2016	-0.16%	N/A
2015	+14.87%	N/A
2014	+15.42%	N/A
2013	+1.86%	N/A
2012	+9.60%	N/A
2011	+0.90%	N/A
2010	+3.50%	N/A
2009	-14.08%	N/A
2008	-11.54%	N/A
2007	+0.00%	N/A

OBT vs MSIF Drawdown Comparison

The maximum drawdown for OBT was -57.57%, occurring on Oct 15, 2020. Recovery took 1227 trading sessions.

The maximum drawdown for MSIF was -31.78%, occurring on Jul 23, 2026. This drawdown has not yet recovered.

The current OBT drawdown is -3.22%. The current MSIF drawdown is -31.78%.

Rank	OBT	MSIF
#1	-57.57% Mar 2, 2018 - Feb 6, 2023	-31.78% Jun 9, 2025 - Jul 23, 2026
#2	-50.00% Feb 26, 2018 - Mar 2, 2018	-18.89% Feb 19, 2025 - Jun 9, 2025
#3	-45.77% Feb 23, 2023 - Dec 13, 2023	-0.65% Feb 10, 2025 - Feb 12, 2025
#4	-32.49% Nov 11, 2024 - Feb 2, 2026	-0.59% Feb 4, 2025 - Feb 10, 2025
#5	-31.70% Dec 27, 2023 - Jul 25, 2024	N/A
#6	-28.40% Jan 18, 2008 - Nov 20, 2014	N/A
#7	-18.20% Jul 25, 2024 - Nov 11, 2024	N/A
#8	-13.73% Feb 9, 2026 - Apr 17, 2026	N/A
#9	-10.39% Dec 10, 2015 - Sep 8, 2017	N/A
#10	-9.79% Apr 28, 2026 - Jun 12, 2026	N/A
#11	-6.22% Sep 2, 2015 - Dec 10, 2015	N/A
#12	-5.37% Sep 28, 2017 - Nov 21, 2017	N/A
#13	-4.52% Nov 26, 2014 - Mar 11, 2015	N/A
#14	-3.93% Jul 6, 2026 - Jul 16, 2026	N/A
#15	-3.76% Jun 12, 2026 - Jun 18, 2026	N/A

Correlation

Correlation between OBT and MSIF is -0.74 which considered as a strong negative correlation - the stocks tend to move in opposite directions.

-0.74

-101

Dividend Comparison (2008 - 2026)

OBT vs MSIF dividend yield comparison.

Year	OBT	MSIF
2026	0.97%	4.30%
2025	2.00%	10.96%
2024	1.69%	0.00%
2023	1.53%	0.00%
2022	1.78%	0.00%
2021	1.99%	0.00%
2020	2.94%	0.00%
2019	2.72%	0.00%
2018	3.00%	0.00%
2017	2.93%	0.00%
2016	3.53%	0.00%
2015	3.40%	0.00%
2014	3.77%	0.00%
2013	3.01%	0.00%
2012	4.79%	0.00%
2011	0.95%	0.00%
2010	3.53%	0.00%
2009	3.76%	0.00%
2008	3.07%	0.00%