ORANGE COUNTY BANCORP INC (OBT) Fundamental Analysis & Valuation

NASDAQ:OBT • US68417L1070

Current stock price

34.1 USD
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This OBT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. OBT Profitability Analysis

1.1 Basic Checks

  • OBT had positive earnings in the past year.
  • OBT had a positive operating cash flow in the past year.
  • In the past 5 years OBT has always been profitable.
  • In the past 5 years OBT always reported a positive cash flow from operatings.
OBT Yearly Net Income VS EBIT VS OCF VS FCFOBT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • OBT has a Return On Assets of 1.56%. This is amongst the best in the industry. OBT outperforms 88.83% of its industry peers.
  • OBT has a better Return On Equity (14.63%) than 91.76% of its industry peers.
Industry RankSector Rank
ROA 1.56%
ROE 14.63%
ROIC N/A
ROA(3y)1.29%
ROA(5y)1.18%
ROE(3y)15.83%
ROE(5y)15.35%
ROIC(3y)N/A
ROIC(5y)N/A
OBT Yearly ROA, ROE, ROICOBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 32.71%, OBT belongs to the top of the industry, outperforming 84.57% of the companies in the same industry.
  • OBT's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for OBT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.71%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.55%
PM growth 5Y11%
GM growth 3YN/A
GM growth 5YN/A
OBT Yearly Profit, Operating, Gross MarginsOBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. OBT Health Analysis

2.1 Basic Checks

  • OBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for OBT has been increased compared to 1 year ago.
  • OBT has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, OBT has a worse debt to assets ratio.
OBT Yearly Shares OutstandingOBT Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
OBT Yearly Total Debt VS Total AssetsOBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • OBT has a debt to FCF ratio of 0.59. This is a very positive value and a sign of high solvency as it would only need 0.59 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.59, OBT is in the better half of the industry, outperforming 77.39% of the companies in the same industry.
  • A Debt/Equity ratio of 0.09 indicates that OBT is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.09, OBT is in the better half of the industry, outperforming 70.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.59
Altman-Z N/A
ROIC/WACCN/A
WACC12.06%
OBT Yearly LT Debt VS Equity VS FCFOBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OBT Yearly Current Assets VS Current LiabilitesOBT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. OBT Growth Analysis

3.1 Past

  • OBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.70%, which is quite impressive.
  • OBT shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.70% yearly.
  • Looking at the last year, OBT shows a quite strong growth in Revenue. The Revenue has grown by 18.07% in the last year.
  • OBT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.15% yearly.
EPS 1Y (TTM)24.7%
EPS 3Y12.38%
EPS 5Y25.7%
EPS Q2Q%47.62%
Revenue 1Y (TTM)18.07%
Revenue growth 3Y12.19%
Revenue growth 5Y16.15%
Sales Q2Q%20.62%

3.2 Future

  • OBT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.36% yearly.
  • Based on estimates for the next years, OBT will show a quite strong growth in Revenue. The Revenue will grow by 9.89% on average per year.
EPS Next Y10.67%
EPS Next 2Y12.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.83%
Revenue Next 2Y9.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
OBT Yearly Revenue VS EstimatesOBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
OBT Yearly EPS VS EstimatesOBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. OBT Valuation Analysis

4.1 Price/Earnings Ratio

  • OBT is valuated reasonably with a Price/Earnings ratio of 11.07.
  • 64.89% of the companies in the same industry are more expensive than OBT, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.64. OBT is valued rather cheaply when compared to this.
  • OBT is valuated reasonably with a Price/Forward Earnings ratio of 10.00.
  • The rest of the industry has a similar Price/Forward Earnings ratio as OBT.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, OBT is valued rather cheaply.
Industry RankSector Rank
PE 11.07
Fwd PE 10
OBT Price Earnings VS Forward Price EarningsOBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • OBT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OBT is cheaper than 64.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.03
EV/EBITDA N/A
OBT Per share dataOBT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • OBT's earnings are expected to grow with 12.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.04
PEG (5Y)0.43
EPS Next 2Y12.36%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. OBT Dividend Analysis

5.1 Amount

  • OBT has a Yearly Dividend Yield of 2.11%. Purely for dividend investing, there may be better candidates out there.
  • OBT's Dividend Yield is slightly below the industry average, which is at 2.56.
  • OBT's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.11%

5.2 History

  • The dividend of OBT is nicely growing with an annual growth rate of 8.79%!
  • OBT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As OBT did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.79%
Div Incr Years4
Div Non Decr Years7
OBT Yearly Dividends per shareOBT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • OBT pays out 17.06% of its income as dividend. This is a sustainable payout ratio.
  • OBT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP17.06%
EPS Next 2Y12.36%
EPS Next 3YN/A
OBT Yearly Income VS Free CF VS DividendOBT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
OBT Dividend Payout.OBT Dividend Payout, showing the Payout Ratio.OBT Dividend Payout.PayoutRetained Earnings

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OBT Fundamentals: All Metrics, Ratios and Statistics

ORANGE COUNTY BANCORP INC

NASDAQ:OBT (5/1/2026, 8:00:02 PM)

After market: 34.1 0 (0%)

34.1

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners55.35%
Inst Owner Change-1.04%
Ins Owners13.08%
Ins Owner Change3.8%
Market Cap455.92M
Revenue(TTM)127.20M
Net Income(TTM)41.61M
Analysts82.86
Price Target38.76 (13.67%)
Short Float %0.61%
Short Ratio1.1
Dividend
Industry RankSector Rank
Dividend Yield 2.11%
Yearly Dividend0.57
Dividend Growth(5Y)8.79%
DP17.06%
Div Incr Years4
Div Non Decr Years7
Ex-Date03-04
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.57%
Min EPS beat(2)8.14%
Max EPS beat(2)24.99%
EPS beat(4)3
Avg EPS beat(4)8.01%
Min EPS beat(4)-15.21%
Max EPS beat(4)24.99%
EPS beat(8)5
Avg EPS beat(8)-1.59%
EPS beat(12)8
Avg EPS beat(12)0.3%
EPS beat(16)10
Avg EPS beat(16)-1.36%
Revenue beat(2)2
Avg Revenue beat(2)7.46%
Min Revenue beat(2)4.15%
Max Revenue beat(2)10.78%
Revenue beat(4)4
Avg Revenue beat(4)6.95%
Min Revenue beat(4)2.62%
Max Revenue beat(4)10.78%
Revenue beat(8)7
Avg Revenue beat(8)4.92%
Revenue beat(12)10
Avg Revenue beat(12)4.14%
Revenue beat(16)13
Avg Revenue beat(16)3.91%
PT rev (1m)0%
PT rev (3m)22.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.03%
EPS NY rev (1m)0.55%
EPS NY rev (3m)7.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4%
Valuation
Industry RankSector Rank
PE 11.07
Fwd PE 10
P/S 3.58
P/FCF 11.03
P/OCF 10.4
P/B 1.6
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)3.08
EY9.03%
EPS(NY)3.41
Fwd EY10%
FCF(TTM)3.09
FCFY9.07%
OCF(TTM)3.28
OCFY9.62%
SpS9.51
BVpS21.27
TBVpS20.83
PEG (NY)1.04
PEG (5Y)0.43
Graham Number38.3918 (12.59%)
Profitability
Industry RankSector Rank
ROA 1.56%
ROE 14.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.71%
GM N/A
FCFM 32.49%
ROA(3y)1.29%
ROA(5y)1.18%
ROE(3y)15.83%
ROE(5y)15.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.55%
PM growth 5Y11%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.59
Debt/EBITDA N/A
Cap/Depr 137.56%
Cap/Sales 1.98%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.32%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.06%
ROIC/WACCN/A
Cap/Depr(3y)135.43%
Cap/Depr(5y)123.11%
Cap/Sales(3y)2.35%
Cap/Sales(5y)2.29%
Profit Quality(3y)118.73%
Profit Quality(5y)112.24%
High Growth Momentum
Growth
EPS 1Y (TTM)24.7%
EPS 3Y12.38%
EPS 5Y25.7%
EPS Q2Q%47.62%
EPS Next Y10.67%
EPS Next 2Y12.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.07%
Revenue growth 3Y12.19%
Revenue growth 5Y16.15%
Sales Q2Q%20.62%
Revenue Next Year11.83%
Revenue Next 2Y9.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.74%
FCF growth 3Y12.62%
FCF growth 5Y31.15%
OCF growth 1Y26.72%
OCF growth 3Y12.88%
OCF growth 5Y31.05%

ORANGE COUNTY BANCORP INC / OBT Fundamental Analysis FAQ

What is the fundamental rating for OBT stock?

ChartMill assigns a fundamental rating of 5 / 10 to OBT.


What is the valuation status of ORANGE COUNTY BANCORP INC (OBT) stock?

ChartMill assigns a valuation rating of 5 / 10 to ORANGE COUNTY BANCORP INC (OBT). This can be considered as Fairly Valued.


Can you provide the profitability details for ORANGE COUNTY BANCORP INC?

ORANGE COUNTY BANCORP INC (OBT) has a profitability rating of 5 / 10.


What is the earnings growth outlook for ORANGE COUNTY BANCORP INC?

The Earnings per Share (EPS) of ORANGE COUNTY BANCORP INC (OBT) is expected to grow by 10.67% in the next year.


How sustainable is the dividend of ORANGE COUNTY BANCORP INC (OBT) stock?

The dividend rating of ORANGE COUNTY BANCORP INC (OBT) is 6 / 10 and the dividend payout ratio is 17.06%.