ORANGE COUNTY BANCORP INC (OBT) Stock Fundamental Analysis
NASDAQ:OBT - US68417L1070 - Common Stock
26.45 USD
+1.16 (+4.59%)
26.45 USD
0 (0%)
Overall OBT gets a fundamental rating of 5 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 correct valuation and a medium growth rate.
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.
In the past 5 years OBT always reported a positive cash flow from operatings.
1.2 Ratios
OBT's Return On Assets of 1.07% is fine compared to the rest of the industry. OBT outperforms 72.26% of its industry peers.
The Return On Equity of OBT (13.56%) is better than 89.31% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
OBT has a Profit Margin (24.72%) which is comparable to the rest of the industry.
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 Rank | Sector 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
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 0.56. 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.
The Debt to FCF ratio of OBT (0.56) is better than 82.19% of its industry peers.
OBT has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, OBT is doing good in the industry, outperforming 72.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OBT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.84%.
Measured over the past years, OBT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.66% on average per year.
Looking at the last year, OBT shows a quite strong growth in Revenue. The Revenue has grown by 9.67% in the last year.
Measured over the past years, OBT shows a quite strong growth in Revenue. The Revenue has been growing by 15.20% on average per year.
EPS 1Y (TTM)-24.84%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%-13.7%
Revenue 1Y (TTM)9.67%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.40, the valuation of OBT can be described as very reasonable.
68.19% of the companies in the same industry are more expensive than OBT, based on the Price/Earnings ratio.
OBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
With a Price/Forward Earnings ratio of 8.48, the valuation of OBT can be described as very reasonable.
Based on the Price/Forward Earnings ratio, OBT is valued cheaper than 81.68% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.82. OBT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 8.48 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OBT is valued a bit cheaper than the industry average as 67.94% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.03 | ||
| EV/EBITDA | N/A |
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.
OBT's earnings are expected to grow with 12.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)0.61
EPS Next 2Y12.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
OBT has a Yearly Dividend Yield of 2.11%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.41, OBT is paying slightly less dividend.
OBT's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
5.2 History
On average, the dividend of OBT grows each year by 8.79%, which is quite nice.
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
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
26.45
+1.16 (+4.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.23%
Inst Owner ChangeN/A
Ins Owners12.78%
Ins Owner Change3.47%
Market Cap353.37M
Analysts82.86
Price Target30.26 (14.4%)
Short Float %0.76%
Short Ratio1.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
Yearly Dividend0.47
Dividend Growth(5Y)8.79%
DP20.15%
Div Incr Years3
Div Non Decr Years6
Ex-Date
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)-0.56%
PT rev (3m)-2.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.62%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 8.48 | ||
| P/S | 3.2 | ||
| P/FCF | 10.03 | ||
| P/OCF | 9.5 | ||
| P/B | 1.76 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.32
EY8.77%
EPS(NY)3.12
Fwd EY11.79%
FCF(TTM)2.64
FCFY9.97%
OCF(TTM)2.78
OCFY10.52%
SpS8.27
BVpS15.07
TBVpS14.61
PEG (NY)0.62
PEG (5Y)0.61
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC11.31%
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)9.67%
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%