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ORANGE COUNTY BANCORP INC (OBT) Stock Fundamental Analysis

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

26.4  -0.59 (-2.19%)

After market: 26.4 0 (0%)

Fundamental Rating

4

Taking everything into account, OBT scores 4 out of 10 in our fundamental rating. OBT was compared to 396 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.


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.
OBT had a positive operating cash flow in each of the past 5 years.
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's Return On Assets of 1.07% is fine compared to the rest of the industry. OBT outperforms 70.96% of its industry peers.
OBT's Return On Equity of 13.56% is amongst the best of the industry. OBT outperforms 88.89% 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 56.57% of its industry peers.
OBT's Profit Margin has improved in the last couple of years.
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.
Compared to 1 year ago, OBT has an improved debt to assets ratio.
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

The Debt to FCF ratio of OBT is 0.56, which is an excellent value as it means it would take OBT, only 0.56 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.56, OBT belongs to the best of the industry, outperforming 82.32% of the companies in the same industry.
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 71.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.56
Altman-Z N/A
ROIC/WACCN/A
WACC11.42%
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 -23.45% 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.
Looking at the last year, OBT shows a small growth in Revenue. The Revenue has grown by 7.44% in the last year.
The Revenue has been growing by 15.20% on average over the past years. This is quite good.
EPS 1Y (TTM)-23.45%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%-6.67%
Revenue 1Y (TTM)7.44%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%10.67%

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

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.
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 10.91, the valuation of OBT can be described as very reasonable.
Based on the Price/Earnings ratio, OBT is valued a bit cheaper than the industry average as 65.40% of the companies are valued more expensively.
OBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.04.
OBT is valuated reasonably with a Price/Forward Earnings ratio of 8.46.
Based on the Price/Forward Earnings ratio, OBT is valued a bit cheaper than 72.98% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 37.64, OBT is valued rather cheaply.
Industry RankSector Rank
PE 10.91
Fwd PE 8.46
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

Based on the Price/Free Cash Flow ratio, OBT is valued a bit cheaper than 61.87% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.02
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)0.59
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.
OBT's Dividend Yield is slightly below the industry average, which is at 3.27.
Compared to an average S&P500 Dividend Yield of 2.35, OBT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.93%

5.2 History

The dividend of OBT is nicely growing with an annual growth rate of 8.79%!
OBT has paid a dividend for at least 10 years, which is 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

20.15% of the earnings are spent on dividend by OBT. This is a low number and 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 (7/25/2025, 8:12:57 PM)

After market: 26.4 0 (0%)

26.4

-0.59 (-2.19%)

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 Cap352.70M
Analysts82.86
Price Target30.43 (15.27%)
Short Float %1.25%
Short Ratio2.03
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)-2.19%
PT rev (3m)-4.53%
EPS NQ rev (1m)-1.78%
EPS NQ rev (3m)2.89%
EPS NY rev (1m)0%
EPS NY rev (3m)0.44%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)3.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.06%
Valuation
Industry RankSector Rank
PE 10.91
Fwd PE 8.46
P/S 3.19
P/FCF 10.02
P/OCF 9.48
P/B 1.75
P/tB 1.81
EV/EBITDA N/A
EPS(TTM)2.42
EY9.17%
EPS(NY)3.12
Fwd EY11.82%
FCF(TTM)2.64
FCFY9.98%
OCF(TTM)2.78
OCFY10.54%
SpS8.27
BVpS15.07
TBVpS14.61
PEG (NY)0.59
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
WACC11.42%
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)-23.45%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%-6.67%
EPS Next Y18.49%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.44%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%10.67%
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%