Is OBT or OCFC more undervalued in 2026?

CirclFi compares Orange County Bancorp, Inc. (OBT) and OceanFirst Financial Corp. (OCFC) using 13 institutional-grade valuation models. OBT has a Quality of Company score of 9.6/10 while OCFC scores 6.3/10.

Which is a better buy — OBT or OCFC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do OBT and OCFC valuations compare?

OBT at $34.25 and OCFC at $18.80 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OBT vs OCFC Valuation Comparison 2026 — Intrinsic Value Analysis

OBT

Banks - Regional

Orange County Bancorp, Inc.

Quality

9.6

out of 10

Value Trap

SAFE

Price

$34.25

Last close

Models

12/13

Active

OCFC

Banks - Regional

OceanFirst Financial Corp.

Quality

6.3

out of 10

Value Trap

SAFE

Price

$18.80

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	OBT Fair Value	OBT Upside	OCFC Fair Value	OCFC Upside
Bayesian DCF	Intrinsic	$37.42	+9.3%	—	—
Earnings Power Value	Intrinsic	$44.77	+30.7%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$56.28	+64.3%	$5.97	-68.3%
Markov DDM	Intrinsic	$7.68	-77.6%	$10.98	-41.6%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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OBT vs OCFC — Which Stock Is More Undervalued?

OBT scores higher with a 9.6/10 quality rating vs OCFC's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Orange County Bancorp, Inc. (OBT) and OceanFirst Financial Corp. (OCFC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

OBT currently trades at $34.25 with a QOC of 9.6/10, while OCFC trades at $18.80 with a QOC of 6.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).