28.68 USD
-0.05 (-0.17%)
28.68 USD
0 (0%)
Overall OBT gets a fundamental rating of 5 out of 10. We evaluated OBT against 388 industry peers in the Banks industry. While OBT is still in line with the averages on profitability rating, there are concerns on its financial health. OBT has a decent growth rate and is not valued too expensively. OBT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year OBT was profitable.
In the past year OBT had a positive cash flow from operations.
OBT had positive earnings in each of the past 5 years.
OBT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OBT has a Return On Assets of 1.13%. This is in the better half of the industry: OBT outperforms 72.42% of its industry peers.
OBT has a better Return On Equity (11.70%) than 79.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 11.7% | ||
| ROIC | N/A |
ROA(3y)1.12%
ROA(5y)1.01%
ROE(3y)16.83%
ROE(5y)14.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OBT has a better Profit Margin (25.70%) than 60.05% of its industry peers.
In the last couple of years the Profit Margin of OBT has grown nicely.
OBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.7% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.09%
PM growth 5Y3.66%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
OBT has more shares outstanding than it did 1 year ago.
OBT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for OBT has been reduced compared to a year ago.
2.2 Solvency
OBT has a debt to FCF ratio of 0.96. This is a very positive value and a sign of high solvency as it would only need 0.96 years to pay back of all of its debts.
OBT's Debt to FCF ratio of 0.96 is fine compared to the rest of the industry. OBT outperforms 67.78% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that OBT is not too dependend on debt financing.
OBT has a Debt to Equity ratio of 0.08. This is in the better half of the industry: OBT outperforms 72.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.59% over the past year.
The Earnings Per Share has been growing by 18.66% on average over the past years. This is quite good.
Looking at the last year, OBT shows a quite strong growth in Revenue. The Revenue has grown by 14.41% in the last year.
OBT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.20% yearly.
EPS 1Y (TTM)8.59%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%163.16%
Revenue 1Y (TTM)14.41%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%24.29%
3.2 Future
Based on estimates for the next years, OBT will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.25% on average per year.
OBT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.18% yearly.
EPS Next Y23.35%
EPS Next 2Y12.94%
EPS Next 3Y13.25%
EPS Next 5YN/A
Revenue Next Year13.48%
Revenue Next 2Y10.29%
Revenue Next 3Y10.18%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.32, the valuation of OBT can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of OBT indicates a somewhat cheap valuation: OBT is cheaper than 78.61% of the companies listed in the same industry.
OBT is valuated cheaply when we compare the Price/Earnings ratio to 26.57, which is the current average of the S&P500 Index.
OBT is valuated reasonably with a Price/Forward Earnings ratio of 9.10.
Based on the Price/Forward Earnings ratio, OBT is valued a bit cheaper than 76.03% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of OBT to the average of the S&P500 Index (24.04), we can say OBT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.32 | ||
| Fwd PE | 9.1 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OBT is valued a bit more expensive than 70.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.83 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OBT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as OBT's earnings are expected to grow with 13.25% in the coming years.
PEG (NY)0.44
PEG (5Y)0.55
EPS Next 2Y12.94%
EPS Next 3Y13.25%
5. Dividend
5.1 Amount
OBT has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.74, OBT has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.88, OBT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
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 Years3
Div Non Decr Years6
5.3 Sustainability
OBT pays out 19.22% 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.
DP19.22%
EPS Next 2Y12.94%
EPS Next 3Y13.25%
28.68
-0.05 (-0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners55.72%
Inst Owner ChangeN/A
Ins Owners12.78%
Ins Owner Change-0.06%
Market Cap383.45M
Revenue(TTM)121.56M
Net Income(TTM)29.55M
Analysts82.86
Price Target31.62 (10.25%)
Short Float %0.7%
Short Ratio3.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
Yearly Dividend0.47
Dividend Growth(5Y)8.79%
DP19.22%
Div Incr Years3
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.54%
Min EPS beat(2)-15.21%
Max EPS beat(2)14.13%
EPS beat(4)1
Avg EPS beat(4)-18.7%
Min EPS beat(4)-62.5%
Max EPS beat(4)14.13%
EPS beat(8)5
Avg EPS beat(8)-2.44%
EPS beat(12)8
Avg EPS beat(12)0.74%
EPS beat(16)10
Avg EPS beat(16)-0.26%
Revenue beat(2)2
Avg Revenue beat(2)6.43%
Min Revenue beat(2)2.62%
Max Revenue beat(2)10.24%
Revenue beat(4)4
Avg Revenue beat(4)4.05%
Min Revenue beat(4)0.84%
Max Revenue beat(4)10.24%
Revenue beat(8)7
Avg Revenue beat(8)3.89%
Revenue beat(12)10
Avg Revenue beat(12)4.02%
Revenue beat(16)13
Avg Revenue beat(16)3.3%
PT rev (1m)1.12%
PT rev (3m)1.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)5.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.32 | ||
| Fwd PE | 9.1 | ||
| P/S | 3.34 | ||
| P/FCF | 18.83 | ||
| P/OCF | 16.7 | ||
| P/B | 1.52 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.78
EY9.69%
EPS(NY)3.15
Fwd EY10.99%
FCF(TTM)1.52
FCFY5.31%
OCF(TTM)1.72
OCFY5.99%
SpS8.6
BVpS18.89
TBVpS18.44
PEG (NY)0.44
PEG (5Y)0.55
Graham Number34.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 11.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.7% | ||
| GM | N/A | ||
| FCFM | 17.72% |
ROA(3y)1.12%
ROA(5y)1.01%
ROE(3y)16.83%
ROE(5y)14.15%
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 3Y-4.09%
PM growth 5Y3.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 133.39% | ||
| Cap/Sales | 2.26% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 68.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC10.94%
ROIC/WACCN/A
Cap/Depr(3y)119.99%
Cap/Depr(5y)104.47%
Cap/Sales(3y)2.26%
Cap/Sales(5y)2.13%
Profit Quality(3y)125.21%
Profit Quality(5y)110.62%
High Growth Momentum
Growth
EPS 1Y (TTM)8.59%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%163.16%
EPS Next Y23.35%
EPS Next 2Y12.94%
EPS Next 3Y13.25%
EPS Next 5YN/A
Revenue 1Y (TTM)14.41%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%24.29%
Revenue Next Year13.48%
Revenue Next 2Y10.29%
Revenue Next 3Y10.18%
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 1Y-39.28%
FCF growth 3Y21.43%
FCF growth 5Y22.58%
OCF growth 1Y-38.95%
OCF growth 3Y19.42%
OCF growth 5Y20.3%
ORANGE COUNTY BANCORP INC / OBT FAQ
What is the fundamental rating for OBT stock?
ChartMill assigns a fundamental rating of 5 / 10 to OBT.
What is the valuation status for OBT stock?
ChartMill assigns a valuation rating of 5 / 10 to ORANGE COUNTY BANCORP INC (OBT). This can be considered as Fairly Valued.
How profitable is ORANGE COUNTY BANCORP INC (OBT) stock?
ORANGE COUNTY BANCORP INC (OBT) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for OBT stock?
The Earnings per Share (EPS) of ORANGE COUNTY BANCORP INC (OBT) is expected to grow by 23.35% in the next year.
Is the dividend of ORANGE COUNTY BANCORP INC sustainable?
The dividend rating of ORANGE COUNTY BANCORP INC (OBT) is 7 / 10 and the dividend payout ratio is 19.22%.