Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Statistics

Total Valuation

OBT has a market cap or net worth of $321.44 million. The enterprise value is $322.14 million.

Market Cap	321.44M
Enterprise Value	322.14M

Important Dates

The next estimated earnings date is Wednesday, January 29, 2025, after market close.

Earnings Date	Jan 29, 2025
Ex-Dividend Date	Dec 4, 2024

Share Statistics

OBT has 5.67 million shares outstanding. The number of shares has increased by 0.23% in one year.

Current Share Class	5.67M
Shares Outstanding	5.67M
Shares Change (YoY)	+0.23%
Shares Change (QoQ)	+0.22%
Owned by Insiders (%)	15.45%
Owned by Institutions (%)	40.27%
Float	3.91M

Valuation Ratios

The trailing PE ratio is 11.08 and the forward PE ratio is 10.33.

PE Ratio	11.08
Forward PE	10.33
PS Ratio	3.26
Forward PS	2.95
PB Ratio	1.66
P/TBV Ratio	1.72
P/FCF Ratio	8.77
P/OCF Ratio	8.51
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.17
EV / Sales	3.29
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	8.79

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.41
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 17.12%.

Return on Equity (ROE)	17.12%
Return on Assets (ROA)	1.16%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$497,584
Profits Per Employee	$146,411
Employee Count	197
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OBT has paid $7.71 million in taxes.

Income Tax	7.71M
Effective Tax Rate	21.09%

Stock Price Statistics

The stock price has decreased by -0.26% 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	-0.26%
50-Day Moving Average	58.17
200-Day Moving Average	52.92
Relative Strength Index (RSI)	43.90
Average Volume (20 Days)	17,656

Short Selling Information

The latest short interest is 40,012, so 0.71% of the outstanding shares have been sold short.

Short Interest	40,012
Short Previous Month	30,948
Short % of Shares Out	0.71%
Short % of Float	1.02%
Short Ratio (days to cover)	2.06

Income Statement

In the last 12 months, OBT had revenue of $98.02 million and earned $28.84 million in profits. Earnings per share was $5.11.

Revenue	98.02M
Gross Profit	98.02M
Operating Income	38.20M
Pretax Income	43.84M
Net Income	28.84M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.11

Balance Sheet

The company has $160.87 million in cash and $161.57 million in debt, giving a net cash position of -$701,000 or -$0.12 per share.

Cash & Cash Equivalents	160.87M
Total Debt	161.57M
Net Cash	-701,000
Net Cash Per Share	-$0.12
Equity (Book Value)	193.09M
Book Value Per Share	34.03
Working Capital	-2.13B

Cash Flow

In the last 12 months, operating cash flow was $37.79 million and capital expenditures -$1.13 million, giving a free cash flow of $36.66 million.

Operating Cash Flow	37.79M
Capital Expenditures	-1.13M
Free Cash Flow	36.66M
FCF Per Share	$6.46

Margins

Gross Margin	n/a
Operating Margin	38.96%
Pretax Margin	37.29%
Profit Margin	29.42%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	37.39%

Dividends & Yields

This stock pays an annual dividend of $0.94, which amounts to a dividend yield of 1.66%.

Dividend Per Share	$0.94
Dividend Yield	1.66%
Dividend Growth (YoY)	2.17%
Years of Dividend Growth	2
Payout Ratio	18.38%
Buyback Yield	-0.23%
Shareholder Yield	1.43%
Earnings Yield	8.97%
FCF Yield	11.40%

Analyst Forecast

The average price target for OBT is $71.00, which is 25.33% higher than the current price. The consensus rating is "Buy".

Price Target	$71.00
Price Target Difference	25.33%
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 February 26, 2018. It was a forward split with a ratio of 2:1.

Last Split Date	Feb 26, 2018
Split Type	Forward
Split Ratio	2:1

Scores

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