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ORANGE COUNTY BANCORP INC (OBT) Stock Fundamental Analysis

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

28.07  +0.05 (+0.18%)

After market: 28.07 0 (0%)

Fundamental Rating

4

Overall OBT gets a fundamental rating of 4 out of 10. We evaluated OBT against 396 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

OBT had positive earnings in the past year.
OBT had a positive operating cash flow in the past year.
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.
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

Looking at the Return On Assets, with a value of 1.07%, OBT is in the better half of the industry, outperforming 70.71% of the companies in the same industry.
OBT has a Return On Equity of 13.56%. This is amongst the best in 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 has a Profit Margin of 24.72%. This is comparable to the rest of the industry: OBT outperforms 56.57% of its industry peers.
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 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.
Compared to 1 year ago, OBT has more shares outstanding
The number of shares outstanding for OBT has been increased compared to 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.
Looking at the Debt to FCF ratio, with a value of 0.56, OBT belongs to the top 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.
With a decent Debt to Equity ratio value of 0.10, OBT is doing good in the industry, outperforming 71.97% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.56
Altman-Z N/A
ROIC/WACCN/A
WACC11.26%
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

OBT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -23.45%.
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 small growth in Revenue. The Revenue has grown by 7.44% 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)-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

The Earnings Per Share is expected to grow by 12.38% 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 10.01% yearly.
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.
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.
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

The Price/Earnings ratio is 11.60, which indicates a very decent valuation of OBT.
Compared to the rest of the industry, the Price/Earnings ratio of OBT indicates a somewhat cheap valuation: OBT is cheaper than 66.41% of the companies listed in the same industry.
OBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.46.
Based on the Price/Forward Earnings ratio of 9.00, the valuation of OBT can be described as reasonable.
Based on the Price/Forward Earnings ratio, OBT is valued a bit cheaper than 71.21% of the companies in the same industry.
OBT is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.6
Fwd PE 9
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

OBT's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.65
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)0.63
PEG (5Y)0.62
EPS Next 2Y12.38%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

OBT has a Yearly Dividend Yield of 1.82%.
OBT's Dividend Yield is slightly below the industry average, which is at 3.29.
OBT's Dividend Yield is slightly below the S&P500 average, which is at 2.34.
Industry RankSector Rank
Dividend Yield 1.82%

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
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.
The dividend of OBT is growing, but earnings are growing more, so the dividend growth is 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 (7/22/2025, 4:02:05 PM)

After market: 28.07 0 (0%)

28.07

+0.05 (+0.18%)

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 Cap375.02M
Analysts82.86
Price Target30.43 (8.41%)
Short Float %1.25%
Short Ratio2.03
Dividend
Industry RankSector Rank
Dividend Yield 1.82%
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 11.6
Fwd PE 9
P/S 3.4
P/FCF 10.65
P/OCF 10.08
P/B 1.86
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)2.42
EY8.62%
EPS(NY)3.12
Fwd EY11.11%
FCF(TTM)2.64
FCFY9.39%
OCF(TTM)2.78
OCFY9.92%
SpS8.27
BVpS15.07
TBVpS14.61
PEG (NY)0.63
PEG (5Y)0.62
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
WACC11.26%
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%