A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
Orange County Bancorp, Inc. /DE/
OBT
$471M
Mkt Cap
$37.69
+1.21%
Orange County Bancorp, Inc. /DE/ (OBT) has a current P/E ratio of 12.5, 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 15.9%. This indicates strong capital allocation and a potential competitive advantage.
Orange County Bancorp, Inc. /DE/ (OBT) has a market capitalization of $471M. 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 1.51%.
Based on historical P/E analysis, Orange County Bancorp, Inc. /DE/ (OBT) appears expensive. The current P/E of 12.5 is 23% above its historical median of 10.2. The estimated fair value CAGR (P/E method) is 15.0%.
Orange County Bancorp, Inc. /DE/ (OBT) operates in the State Commercial Banks industry, within the Financials sector.
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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 158M | 158M | 143M | 131M | 96M | 77M |
| Net Income | 42M | 42M | 28M | 29M | 24M | 21M |
| EPS | $3.33 | $3.33 | $1.24 | $1.31 | $2.17 | $2.14 |
| Free Cash Flow | 41M | 41M | 33M | 41M | 29M | 18M |
| ROIC | 13.5% | 16.8% | 15.9% | 19.2% | 14.9% | 12.5% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.09 | 0.09 | 12.53 | 14.03 | 0.02 | 0.02 |
| Dividends/Share | $0.57 | $0.57 | $0.24 | $0.23 | $0.42 | $0.40 |
| Operating Income | 2.5M | 2.5M | 1.9M | 37M | 30M | 27M |
| Operating Margin | 1.6% | 1.6% | 1.3% | 28.3% | 31.5% | 34.9% |
| ROE | 14.6% | 17.7% | 15.9% | 19.4% | 15.2% | 13.4% |
| Shares Outstanding | 12M | 12M | 23M | 23M | 11M | 10M |
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | 65M | 77M | 96M | 131M | 143M | 158M | 158M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 18M | 20M | 22M | 25M | 27M | 28M | 28M |
| EBIT | 1.1M | 27M | 30M | 37M | 1.9M | 2.5M | 2.5M |
| Op. Margin | 1.6% | 34.9% | 31.5% | 28.3% | 1.3% | 1.6% | 1.6% |
| Net Income | 12M | 21M | 24M | 29M | 28M | 42M | 42M |
| Net Margin | 18.0% | 27.8% | 25.3% | 22.5% | 19.5% | 26.3% | 26.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||
| ROIC | 8.4% | 12.5% | 14.9% | 19.2% | 15.9% | 16.8% | 13.5% |
| ROE | 9.1% | 13.4% | 15.2% | 19.4% | 15.9% | 17.7% | 14.6% |
| ROA | 0.7% | 1.1% | 1.1% | 1.2% | 1.1% | 1.6% | 1.6% |
| Cash Flow | |||||||
| Op. Cash Flow | 11M | 20M | 30M | 45M | 35M | 44M | 44M |
| Free Cash Flow | 11M | 18M | 29M | 41M | 33M | 41M | 41M |
| Owner Earnings | 5.6M | 15M | 23M | 35M | 24M | 32M | 32M |
| CapEx | 692K | 2.0M | 1.5M | 3.5M | 1.7M | 2.5M | 2.5M |
| Maint. CapEx | 1.6M | 1.7M | 1.7M | 2.0M | 1.9M | 1.8M | 1.8M |
| Growth CapEx | 0 | 299K | 0 | 1.6M | 0 | 687K | 687K |
| D&A | 1.6M | 1.7M | 1.7M | 2.0M | 1.9M | 1.8M | 1.8M |
| CapEx/OCF | 6.1% | 9.6% | 5.1% | 7.9% | 5.0% | N/A | 5.7% |
| Capital Allocation | |||||||
| Dividends Paid | 3.6M | 4.0M | 4.7M | 5.2M | 5.3M | 7.1M | 7.1M |
| Dividend Yield | 3.5% | 2.7% | 2.2% | 1.1% | 0.9% | N/A | 1.5% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 4.2M | 3.3M | 5.6M | 7.4M | 8.9M | 9.6M | 9.6M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||
| Net Debt | -432M | -768M | -617M | N/A | N/A | -180M | -180M |
| Cash & Equiv. | 121M | 306M | 86M | 147M | 150M | 204M | 204M |
| Long-Term Debt | 19M | 3.0M | 3.0M | N/A | N/A | 25M | 25M |
| Debt/Equity | 0.14 | 0.02 | 0.02 | 14.03 | 12.53 | 0.09 | 0.09 |
| Interest Coverage | 0.2 | 7.7 | 5.9 | 3.8 | 0.1 | 0.0 | 0.1 |
| Equity | 135M | 183M | 138M | 165M | 186M | 284M | 284M |
| Total Assets | 1.7B | 2.1B | 2.3B | 2.5B | 2.5B | 2.7B | 2.7B |
| Total Liabilities | 1.5B | 2.0B | 2.1B | 2.3B | 2.3B | 2.4B | 2.4B |
| Intangibles | 2.0M | 1.7M | 1.4M | 1.1M | 821K | 535K | 535K |
| Retained Earnings | 48M | 65M | 85M | 107M | 130M | 164M | 164M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||
| EPS | 1.30 | 2.14 | 2.17 | 1.31 | 1.24 | 3.33 | 3.33 |
| Owner EPS | 0.62 | 1.55 | 2.06 | 1.56 | 1.05 | 2.59 | 2.59 |
| Book Value | 15.02 | 18.38 | 12.28 | 7.35 | 8.22 | 22.76 | 22.76 |
| Cash Flow/Share | 1.26 | 2.04 | 2.71 | 1.98 | 1.53 | 3.51 | 3.48 |
| Dividends/Share | 0.40 | 0.40 | 0.42 | 0.23 | 0.24 | 0.57 | 0.57 |
| Shares Out. | 9.0M | 9.9M | 11.3M | 22.5M | 22.6M | 12.5M | 12.5M |
| Valuation | |||||||
| P/E Ratio | 9.4 | 8.3 | 10.2 | 11.6 | 10.9 | N/A | 11.3 |
| P/FCF | 10.3 | 9.7 | 8.6 | 16.7 | 18.4 | N/A | 11.4 |
| EV/EBIT | 106.5 | 5.9 | N/A | 7.0 | 165.4 | N/A | 114.6 |
| Price/Book | 0.8 | 1.0 | 1.8 | 2.1 | 1.6 | N/A | 1.7 |
| Price/Sales | 1.7 | 2.1 | 2.3 | 2.3 | 2.6 | N/A | 3.0 |
| FCF Yield | 9.7% | 10.4% | 11.7% | 12.0% | 10.8% | N/A | 8.8% |
| Market Cap | 109M | 177M | 248M | 342M | 303M | 0 | 471M |
| Avg. Price | 11.28 | 15.09 | 18.65 | 20.98 | 25.26 | 0.00 | 37.69 |
| Year-End Price | 12.14 | 17.83 | 22.01 | 30.36 | 26.84 | 0.00 | 37.69 |
Orange County Bancorp, Inc. /DE/ passes 4 of 9 quality checks, suggesting mixed fundamentals.
Orange County Bancorp, Inc. /DE/ trades at 12.5x 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 12.6x vs a median of 10.3x. The company's 5-year average ROIC is 15.9%. Total shareholder yield (dividends) is 1.5%. At current prices, the estimated annualized return to fair value is +28.6%.
Orange County Bancorp, Inc. /DE/ (OBT) reported annual revenue of $158 million in its most recent fiscal year, based on SEC EDGAR filings.
Orange County Bancorp, Inc. /DE/ (OBT) has a net profit margin of 26.3%. This is a strong margin indicating high profitability.
Orange County Bancorp, Inc. /DE/ (OBT) generated $41 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 0.09. This indicates a conservatively financed balance sheet.
Orange County Bancorp, Inc. /DE/ (OBT) reported earnings per share (EPS) of $3.33 in its most recent fiscal year.
Orange County Bancorp, Inc. /DE/ (OBT) has a return on equity (ROE) of 17.7%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 6 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 $22.76, based on its most recent annual SEC filing.
No recent press releases.