ORANGE COUNTY BANCORP INC (OBT)
US68417L1070 - Common Stock
Taking everything into account, OBT scores 4 out of 10 in our fundamental rating. OBT was compared to 411 industry peers in the Banks industry. There are concerns on the financial health of OBT while its profitability can be described as average. OBT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year OBT was profitable.
OBT had a positive operating cash flow in the past year.
OBT had positive earnings in each of the past 5 years.
Each year in the past 5 years OBT had a positive operating cash flow.
1.2 Ratios
OBT has a better Return On Assets (1.19%) than 76.40% of its industry peers.
OBT has a Return On Equity of 17.83%. This is amongst the best in the industry. OBT outperforms 95.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 17.83% | ||
| ROIC | N/A |
ROA(3y)1.08%
ROA(5y)0.98%
ROE(3y)15.7%
ROE(5y)13.03%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 28.96%, OBT is in the better half of the industry, outperforming 72.51% of the companies in the same industry.
OBT's Profit Margin has improved in the last couple of years.
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) | 28.96% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.25%
PM growth 5YN/A
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.
Compared to 1 year ago, OBT has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OBT is 0.48, which is an excellent value as it means it would take OBT, only 0.48 years of fcf income to pay off all of its debts.
OBT has a Debt to FCF ratio of 0.48. This is amongst the best in the industry. OBT outperforms 82.97% of its industry peers.
OBT has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
OBT has a better Debt to Equity ratio (0.12) than 72.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.51%
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 20.51%, which is quite impressive.
OBT shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 34.97% yearly.
Looking at the last year, OBT shows a quite strong growth in Revenue. The Revenue has grown by 13.00% in the last year.
The Revenue has been growing by 19.17% on average over the past years. This is quite good.
EPS 1Y (TTM)20.51%
EPS 3Y34.97%
EPS 5YN/A
EPS growth Q2Q-10.56%
Revenue 1Y (TTM)13%
Revenue growth 3Y19.17%
Revenue growth 5YN/A
Revenue growth Q2Q-0.07%
3.2 Future
OBT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.79% yearly.
Based on estimates for the next years, OBT will show a small growth in Revenue. The Revenue will grow by 3.65% on average per year.
EPS Next Y5.92%
EPS Next 2Y6.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.75%
Revenue Next 2Y3.65%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.41 indicates a reasonable valuation of OBT.
Based on the Price/Earnings ratio, OBT is valued a bit cheaper than the industry average as 67.88% 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 25.20.
OBT is valuated cheaply with a Price/Forward Earnings ratio of 7.94.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OBT indicates a rather cheap valuation: OBT is cheaper than 81.51% of the companies listed in the same industry.
OBT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 7.94 |
4.2 Price Multiples
OBT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OBT is cheaper than 79.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OBT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.42
PEG (5Y)N/A
EPS Next 2Y6.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
OBT has a Yearly Dividend Yield of 2.14%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.86, OBT is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, OBT has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
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.
OBT has decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.79%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
OBT pays out 17.61% of its income as dividend. This is a sustainable payout ratio.
OBT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP17.61%
EPS Next 2Y6.79%
EPS Next 3YN/A
ORANGE COUNTY BANCORP INC
NASDAQ:OBT (4/25/2024, 7:08:56 PM)
After market: 44.01 0 (0%)44.01
-1.04 (-2.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap249.10M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 7.94 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.42
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 17.83% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 28.96% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)20.51%
EPS 3Y34.97%
EPS 5Y
EPS growth Q2Q
EPS Next Y5.92%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)13%
Revenue growth 3Y19.17%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y