A Business at a Glance
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Orange County Bancorp, Inc. /DE/ operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 122M | 108M | 102M | 90M | 73M | 60M |
| Net Income | 36M | 28M | 29M | 24M | 21M | 12M |
| EPS | $3.03 | $2.47 | $2.62 | $2.17 | $2.14 | $1.30 |
| Free Cash Flow | 40M | 33M | 41M | 29M | 18M | 11M |
| ROIC | 13.0% | 14.3% | 22.7% | 21.2% | 13.2% | 8.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.05 | 0.06 | 15.56 | 0.02 | 0.02 |
| Dividends/Share | $0.46 | $0.47 | $0.46 | $0.41 | $0.41 | $0.40 |
| Operating Income | 2.6M | 1.9M | 50M | 36M | 31M | 1.1M |
| Operating Margin | 2.2% | 1.8% | 49.4% | 40.4% | 42.2% | 1.8% |
| ROE | 13.5% | 15.9% | 17.8% | 17.6% | 11.6% | 8.6% |
| Shares Outstanding | 13M | 11M | 11M | 11M | 10M | 9M |
| Metric | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 60M | 73M | 90M | 102M | 108M | 122M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 1.1M | 31M | 36M | 50M | 1.9M | 2.6M |
| Op. Margin | 1.8% | 42.2% | 40.4% | 49.4% | 1.8% | 2.2% |
| Net Income | 12M | 21M | 24M | 29M | 28M | 36M |
| Net Margin | 19.4% | 29.3% | 27.0% | 29.0% | 25.9% | 29.9% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 8.4% | 13.2% | 21.2% | 22.7% | 14.3% | 13.0% |
| ROE | 8.6% | 11.6% | 17.6% | 17.8% | 15.9% | 13.5% |
| ROA | 0.7% | 1.0% | 1.1% | 1.2% | 1.1% | 85.3% |
| Cash Flow | ||||||
| Op. Cash Flow | 11M | 20M | 30M | 45M | 35M | 43M |
| Free Cash Flow | 11M | 18M | 29M | 41M | 33M | 40M |
| Owner Earnings | 9.9M | 19M | 29M | 42M | 31M | 40M |
| CapEx | 692K | 2.0M | 1.5M | 3.5M | 1.7M | 2.9M |
| Maint. CapEx | 1.3M | 1.4M | 1.4M | 1.7M | 1.7M | 1.7M |
| Growth CapEx | 0 | 584K | 138K | 1.9M | 69K | 1.2M |
| D&A | 1.3M | 1.4M | 1.4M | 1.7M | 1.7M | 1.7M |
| CapEx/OCF | 6.1% | 9.6% | 5.1% | 7.9% | 5.0% | 6.8% |
| Capital Allocation | ||||||
| Dividends Paid | 3.6M | 4.0M | 4.7M | 5.2M | 5.3M | 6.1M |
| Dividend Yield | 3.5% | 2.7% | 2.2% | 2.2% | 1.9% | 1.3% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 154K | 69K | 503K | 818K | 1.8M | 1.8M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | 3.0M | 3.0M | N/A | 10M | 10M | 0 |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | 3.0M | 3.0M | N/A | 10M | 10M | 10M |
| Debt/Equity | 0.02 | 0.02 | 15.56 | 0.06 | 0.05 | 0.00 |
| Interest Coverage | 0.2 | 7.7 | 5.9 | 3.8 | 0.1 | 0.1 |
| Equity | 135M | 183M | 138M | 165M | 186M | 270M |
| Total Assets | 1.7B | 2.1B | 2.3B | 2.5B | 2.5B | 43M |
| Total Liabilities | 1.5B | 2.0B | 2.1B | 2.3B | 2.3B | 712M |
| Intangibles | 7.3M | 7.0M | 6.8M | 6.5M | 6.2M | 6.2M |
| Retained Earnings | 48M | 65M | 85M | 107M | 130M | 130M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||
| EPS | 1.30 | 2.14 | 2.17 | 2.62 | 2.47 | 3.03 |
| Owner EPS | 1.10 | 1.90 | 2.54 | 3.73 | 2.76 | 2.96 |
| Book Value | 15.02 | 18.38 | 12.28 | 14.70 | 16.44 | 20.21 |
| Cash Flow/Share | 1.26 | 2.04 | 2.71 | 3.96 | 3.07 | 2.84 |
| Dividends/Share | 0.40 | 0.41 | 0.41 | 0.46 | 0.47 | 0.46 |
| Shares Out. | 9.0M | 9.9M | 11.3M | 11.3M | 11.3M | 13.4M |
| Valuation | ||||||
| P/E Ratio | 9.4 | 8.3 | 10.2 | 11.6 | 10.9 | 11.7 |
| P/FCF | 10.3 | 9.7 | 8.6 | 8.3 | 9.2 | 11.8 |
| EV/EBIT | 106.5 | 5.9 | N/A | 7.0 | 165.4 | 179.8 |
| Price/Book | 0.8 | 1.0 | 1.8 | 2.1 | 1.6 | 1.7 |
| Price/Sales | 1.7 | 2.1 | 2.3 | 2.3 | 2.6 | 3.9 |
| FCF Yield | 9.7% | 10.4% | 11.7% | 12.0% | 10.8% | 8.5% |
| Market Cap | 109M | 177M | 248M | 342M | 303M | 472M |
| Avg. Price | 11.28 | 15.09 | 18.65 | 20.98 | 25.26 | 35.33 |
| Year-End Price | 12.14 | 17.83 | 22.01 | 30.36 | 26.84 | 35.33 |
Orange County Bancorp, Inc. /DE/ passes 5 of 9 quality checks, suggesting mixed fundamentals.
Orange County Bancorp, Inc. /DE/ trades at 11.7x trailing earnings, compared to its 15-year median P/E of 10.2x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 11.8x vs a median of 9.2x. The company's 5-year average ROIC is 16.0%. Total shareholder yield (dividends) is 1.3%. At current prices, the estimated annualized return to fair value is +29.2%.
Orange County Bancorp, Inc. /DE/ (OBT) has a current P/E ratio of 11.7, compared to its historical median P/E of 10.2. The stock is currently considered Expensive based on its historical valuation range.
Orange County Bancorp, Inc. /DE/ (OBT) has a 5-year average return on invested capital (ROIC) of 16.0%. This indicates strong capital allocation and a potential competitive advantage.
Orange County Bancorp, Inc. /DE/ (OBT) has a market capitalization of $472M. It is classified as a small-cap stock.
Yes, Orange County Bancorp, Inc. /DE/ (OBT) pays a dividend with a trailing twelve-month yield of 1.29%.
Based on historical P/E analysis, Orange County Bancorp, Inc. /DE/ (OBT) appears expensive. The current P/E of 11.7 is 15% above its historical median of 10.2. The estimated fair value CAGR (P/E method) is 15.6%.
Orange County Bancorp, Inc. /DE/ (OBT) operates in the State Commercial Banks industry, within the Financials sector.
Orange County Bancorp, Inc. /DE/ (OBT) reported annual revenue of $108 million in its most recent fiscal year, based on SEC EDGAR filings.
Orange County Bancorp, Inc. /DE/ (OBT) has a net profit margin of 25.9%. This is a strong margin indicating high profitability.
Orange County Bancorp, Inc. /DE/ (OBT) generated $33 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Orange County Bancorp, Inc. /DE/ (OBT) has a debt-to-equity ratio of 0.05. This indicates a conservatively financed balance sheet.
Orange County Bancorp, Inc. /DE/ (OBT) reported earnings per share (EPS) of $2.47 in its most recent fiscal year.
Orange County Bancorp, Inc. /DE/ (OBT) has a return on equity (ROE) of 15.9%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 5 years of financial data for Orange County Bancorp, Inc. /DE/ (OBT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Orange County Bancorp, Inc. /DE/ (OBT) has a book value per share of $16.44, based on its most recent annual SEC filing.
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