Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Statistics

Total Valuation

OBT has a market cap or net worth of $287.10 million. The enterprise value is $173.03 million.

Market Cap	287.10M
Enterprise Value	173.03M

Important Dates

The last earnings date was Wednesday, April 30, 2025, after market close.

Earnings Date	Apr 30, 2025
Ex-Dividend Date	Jun 4, 2025

Share Statistics

OBT has 11.38 million shares outstanding. The number of shares has increased by 0.49% in one year.

Current Share Class	11.38M
Shares Outstanding	11.38M
Shares Change (YoY)	+0.49%
Shares Change (QoQ)	+0.09%
Owned by Insiders (%)	14.18%
Owned by Institutions (%)	46.04%
Float	8.59M

Valuation Ratios

The trailing PE ratio is 10.46 and the forward PE ratio is 7.96.

PE Ratio	10.46
Forward PE	7.96
PS Ratio	2.83
Forward PS	2.41
PB Ratio	1.43
P/TBV Ratio	1.47
P/FCF Ratio	8.15
P/OCF Ratio	7.72
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.34
EV / Sales	1.72
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	4.91

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.42
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.76%.

Return on Equity (ROE)	14.76%
Return on Assets (ROA)	1.09%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$448,369
Profits Per Employee	$121,320
Employee Count	225
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OBT has paid $7.19 million in taxes.

Income Tax	7.19M
Effective Tax Rate	20.85%

Stock Price Statistics

The stock price has increased by +3.39% in the last 52 weeks. The beta is 0.48, so OBT's price volatility has been lower than the market average.

Beta (5Y)	0.48
52-Week Price Change	+3.39%
50-Day Moving Average	24.40
200-Day Moving Average	26.87
Relative Strength Index (RSI)	49.38
Average Volume (20 Days)	18,891

Short Selling Information

The latest short interest is 130,148, so 1.14% of the outstanding shares have been sold short.

Short Interest	130,148
Short Previous Month	107,450
Short % of Shares Out	1.14%
Short % of Float	1.51%
Short Ratio (days to cover)	5.39

Income Statement

In the last 12 months, OBT had revenue of $100.88 million and earned $27.30 million in profits. Earnings per share was $2.41.

Revenue	100.88M
Gross Profit	100.88M
Operating Income	35.99M
Pretax Income	43.84M
Net Income	27.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.41

Balance Sheet

The company has $164.17 million in cash and $50.11 million in debt, giving a net cash position of $114.06 million or $10.02 per share.

Cash & Cash Equivalents	164.17M
Total Debt	50.11M
Net Cash	114.06M
Net Cash Per Share	$10.02
Equity (Book Value)	201.32M
Book Value Per Share	17.69
Working Capital	-2.15B

Cash Flow

In the last 12 months, operating cash flow was $37.19 million and capital expenditures -$1.97 million, giving a free cash flow of $35.22 million.

Operating Cash Flow	37.19M
Capital Expenditures	-1.97M
Free Cash Flow	35.22M
FCF Per Share	$3.09

Margins

Gross Margin	n/a
Operating Margin	35.68%
Pretax Margin	34.19%
Profit Margin	27.06%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	34.91%

Dividends & Yields

This stock pays an annual dividend of $0.50, which amounts to a dividend yield of 1.98%.

Dividend Per Share	$0.50
Dividend Yield	1.98%
Dividend Growth (YoY)	8.70%
Years of Dividend Growth	3
Payout Ratio	20.73%
Buyback Yield	-0.49%
Shareholder Yield	1.49%
Earnings Yield	9.51%
FCF Yield	12.27%

Analyst Forecast

The average price target for OBT is $35.50, which is 40.76% higher than the current price. The consensus rating is "Buy".

Price Target	$35.50
Price Target Difference	40.76%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on January 13, 2025. It was a forward split with a ratio of 2:1.

Last Split Date	Jan 13, 2025
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4