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ORANGE COUNTY BANCORP INC (OBT) Stock Fundamental Analysis

NASDAQ:OBT - Nasdaq - US68417L1070 - Common Stock - Currency: USD

24.99  -0.47 (-1.85%)

After market: 24.99 0 (0%)

Fundamental Rating

4

Overall OBT gets a fundamental rating of 4 out of 10. We evaluated OBT against 393 industry peers in the Banks industry. There are concerns on the financial health of OBT while its profitability can be described as average. OBT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year OBT was profitable.
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 10M 20M 30M 40M

1.2 Ratios

OBT has a Return On Assets of 1.07%. This is in the better half of the industry: OBT outperforms 70.99% of its industry peers.
OBT's Return On Equity of 13.56% is amongst the best of the industry. OBT outperforms 89.06% of its industry peers.
Industry RankSector Rank
ROA 1.07%
ROE 13.56%
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
OBT Yearly ROA, ROE, ROICOBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

OBT's Profit Margin of 24.72% is in line compared to the rest of the industry. OBT outperforms 56.74% 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 RankSector Rank
OM N/A
PM (TTM) 24.72%
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
OBT Yearly Profit, Operating, Gross MarginsOBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

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.
OBT has a better debt/assets ratio than last year.
OBT Yearly Shares OutstandingOBT Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B 2.5B

2.2 Solvency

OBT has a debt to FCF ratio of 0.56. This is a very positive value and a sign of high solvency as it would only need 0.56 years to pay back of all of its debts.
OBT has a Debt to FCF ratio of 0.56. This is amongst the best in the industry. OBT outperforms 81.68% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that OBT is not too dependend on debt financing.
The Debt to Equity ratio of OBT (0.10) is better than 71.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.56
Altman-Z N/A
ROIC/WACCN/A
WACC11.52%
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 50M 100M 150M

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 5M 10M 15M 20M 25M

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5

3. Growth

3.1 Past

The earnings per share for OBT have decreased strongly by -24.84% in the last year.
OBT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.66% yearly.
OBT shows a small growth in Revenue. In the last year, the Revenue has grown by 5.82%.
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)-24.84%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%-13.7%
Revenue 1Y (TTM)5.82%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%16.22%

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 12.38% on average per year.
The Revenue is expected to grow by 10.01% on average over the next years. This is quite good.
EPS Next Y18.49%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.09%
Revenue Next 2Y10.01%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
OBT Yearly Revenue VS EstimatesOBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
OBT Yearly EPS VS EstimatesOBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.77, the valuation of OBT can be described as very reasonable.
65.39% of the companies in the same industry are more expensive than OBT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of OBT to the average of the S&P500 Index (27.25), we can say OBT is valued rather cheaply.
A Price/Forward Earnings ratio of 8.01 indicates a reasonable valuation of OBT.
OBT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OBT is cheaper than 78.88% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.80, OBT is valued rather cheaply.
Industry RankSector Rank
PE 10.77
Fwd PE 8.01
OBT Price Earnings VS Forward Price EarningsOBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of OBT indicates a somewhat cheap valuation: OBT is cheaper than 65.90% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.48
EV/EBITDA N/A
OBT Per share dataOBT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The 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 12.38% in the coming years.
PEG (NY)0.58
PEG (5Y)0.58
EPS Next 2Y12.38%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

OBT has a Yearly Dividend Yield of 1.93%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.33, OBT is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, OBT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.93%

5.2 History

On average, the dividend of OBT grows each year by 8.79%, which is quite nice.
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
OBT Yearly Dividends per shareOBT Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

OBT pays out 20.15% 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.
DP20.15%
EPS Next 2Y12.38%
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 10M 20M 30M 40M
OBT Dividend Payout.OBT Dividend Payout, showing the Payout Ratio.OBT Dividend Payout.PayoutRetained Earnings

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ORANGE COUNTY BANCORP INC

NASDAQ:OBT (7/31/2025, 8:00:02 PM)

After market: 24.99 0 (0%)

24.99

-0.47 (-1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners40.26%
Inst Owner ChangeN/A
Ins Owners13.03%
Ins Owner Change3.97%
Market Cap333.87M
Analysts82.86
Price Target30.43 (21.77%)
Short Float %1.06%
Short Ratio1.6
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
Yearly Dividend0.47
Dividend Growth(5Y)8.79%
DP20.15%
Div Incr Years3
Div Non Decr Years6
Ex-Date06-04 2025-06-04 (0.13)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.46%
Min EPS beat(2)-11.21%
Max EPS beat(2)14.13%
EPS beat(4)2
Avg EPS beat(4)-13.03%
Min EPS beat(4)-62.5%
Max EPS beat(4)14.13%
EPS beat(8)6
Avg EPS beat(8)5.24%
EPS beat(12)8
Avg EPS beat(12)-3.06%
EPS beat(16)11
Avg EPS beat(16)2.07%
Revenue beat(2)2
Avg Revenue beat(2)2.56%
Min Revenue beat(2)2.5%
Max Revenue beat(2)2.62%
Revenue beat(4)4
Avg Revenue beat(4)3.7%
Min Revenue beat(4)0.84%
Max Revenue beat(4)8.86%
Revenue beat(8)7
Avg Revenue beat(8)3.48%
Revenue beat(12)10
Avg Revenue beat(12)3.29%
Revenue beat(16)13
Avg Revenue beat(16)2.86%
PT rev (1m)0%
PT rev (3m)-2.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.89%
EPS NY rev (1m)0%
EPS NY rev (3m)0.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.06%
Valuation
Industry RankSector Rank
PE 10.77
Fwd PE 8.01
P/S 3.02
P/FCF 9.48
P/OCF 8.98
P/B 1.66
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)2.32
EY9.28%
EPS(NY)3.12
Fwd EY12.48%
FCF(TTM)2.64
FCFY10.55%
OCF(TTM)2.78
OCFY11.14%
SpS8.27
BVpS15.07
TBVpS14.61
PEG (NY)0.58
PEG (5Y)0.58
Profitability
Industry RankSector Rank
ROA 1.07%
ROE 13.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.72%
GM N/A
FCFM 31.89%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.56
Debt/EBITDA N/A
Cap/Depr 101.13%
Cap/Sales 1.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.52%
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)-24.84%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%-13.7%
EPS Next Y18.49%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.82%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%16.22%
Revenue Next Year12.09%
Revenue Next 2Y10.01%
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 1Y10.97%
FCF growth 3Y21.43%
FCF growth 5Y22.58%
OCF growth 1Y4.65%
OCF growth 3Y19.42%
OCF growth 5Y20.3%