27.58 USD
+0.33 (+1.21%)
27.58 USD
0 (0%)
Taking everything into account, OBT scores 4 out of 10 in our fundamental rating. OBT was compared to 387 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
OBT had positive earnings in the past year.
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 has a Return On Assets of 1.13%. This is in the better half of the industry: OBT outperforms 72.61% of its industry peers.
OBT's Return On Equity of 11.70% is fine compared to the rest of the industry. OBT outperforms 79.33% 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
With a decent Profit Margin value of 25.70%, OBT is doing good in the industry, outperforming 60.47% of the companies in the same industry.
In the last couple of years the Profit Margin of OBT has grown nicely.
The Operating Margin and Gross Margin are not available for OBT so they could not be analyzed.
| 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.
Compared to 1 year ago, OBT has more shares outstanding
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
The Debt to FCF ratio of OBT is 0.96, which is an excellent value as it means it would take OBT, only 0.96 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of OBT (0.96) is better than 67.44% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that OBT is not too dependend on debt financing.
OBT's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. OBT outperforms 72.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.59%, which is quite good.
The Earnings Per Share has been growing by 18.66% on average over the past years. This is quite good.
OBT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.41%.
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)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
The Earnings Per Share is expected to grow by 13.25% on average over the next years. This is quite good.
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.
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
A Price/Earnings ratio of 9.92 indicates a reasonable valuation of OBT.
80.36% of the companies in the same industry are more expensive than OBT, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.28, OBT is valued rather cheaply.
The Price/Forward Earnings ratio is 8.75, which indicates a very decent valuation of OBT.
78.29% of the companies in the same industry are more expensive than OBT, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.52. OBT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.92 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OBT is valued a bit more expensive than 68.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.11 | ||
| 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.
OBT's earnings are expected to grow with 13.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)0.53
EPS Next 2Y12.94%
EPS Next 3Y13.25%
5. Dividend
5.1 Amount
OBT has a Yearly Dividend Yield of 2.63%. Purely for dividend investing, there may be better candidates out there.
OBT's Dividend Yield is comparable with the industry average which is at 3.11.
OBT's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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
19.22% of the earnings are spent on dividend by OBT. This is a low number and sustainable payout ratio.
The dividend of OBT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.22%
EPS Next 2Y12.94%
EPS Next 3Y13.25%
27.58
+0.33 (+1.21%)
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 Change0.06%
Market Cap368.74M
Revenue(TTM)121.56M
Net Income(TTM)29.55M
Analysts82.86
Price Target30.6 (10.95%)
Short Float %0.69%
Short Ratio3.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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 | 9.92 | ||
| Fwd PE | 8.75 | ||
| P/S | 3.21 | ||
| P/FCF | 18.11 | ||
| P/OCF | 16.06 | ||
| P/B | 1.46 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.78
EY10.08%
EPS(NY)3.15
Fwd EY11.42%
FCF(TTM)1.52
FCFY5.52%
OCF(TTM)1.72
OCFY6.23%
SpS8.6
BVpS18.89
TBVpS18.44
PEG (NY)0.42
PEG (5Y)0.53
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
WACC11.07%
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 4 / 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 6 / 10 and the dividend payout ratio is 19.22%.