Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Statistics

Total Valuation

OBT has a market cap or net worth of $271.58 million. The enterprise value is $262.13 million.

Market Cap	271.58M
Enterprise Value	262.13M

Important Dates

The next estimated earnings date is Wednesday, April 30, 2025, after market close.

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

Share Statistics

OBT has 11.36 million shares outstanding. The number of shares has increased by 0.40% in one year.

Current Share Class	11.36M
Shares Outstanding	11.36M
Shares Change (YoY)	+0.40%
Shares Change (QoQ)	+0.13%
Owned by Insiders (%)	15.64%
Owned by Institutions (%)	45.33%
Float	8.38M

Valuation Ratios

The trailing PE ratio is 9.54 and the forward PE ratio is 8.12.

PE Ratio	9.54
Forward PE	8.12
PS Ratio	2.64
Forward PS	2.39
PB Ratio	1.43
P/TBV Ratio	1.48
P/FCF Ratio	8.08
P/OCF Ratio	7.68
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.40
EV / Sales	2.62
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.97

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.47
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.89%.

Return on Equity (ROE)	15.89%
Return on Assets (ROA)	1.12%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$444,569
Profits Per Employee	$123,924
Employee Count	225
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OBT has paid $6.94 million in taxes.

Income Tax	6.94M
Effective Tax Rate	19.92%

Stock Price Statistics

The stock price has increased by +2.67% in the last 52 weeks. The beta is 0.50, so OBT's price volatility has been lower than the market average.

Beta (5Y)	0.50
52-Week Price Change	+2.67%
50-Day Moving Average	25.35
200-Day Moving Average	27.27
Relative Strength Index (RSI)	39.29
Average Volume (20 Days)	13,580

Short Selling Information

The latest short interest is 112,316, so 0.99% of the outstanding shares have been sold short.

Short Interest	112,316
Short Previous Month	90,148
Short % of Shares Out	0.99%
Short % of Float	1.34%
Short Ratio (days to cover)	6.89

Income Statement

In the last 12 months, OBT had revenue of $100.03 million and earned $27.88 million in profits. Earnings per share was $2.47.

Revenue	100.03M
Gross Profit	100.03M
Operating Income	36.41M
Pretax Income	43.84M
Net Income	27.88M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.47

Balance Sheet

The company has $150.33 million in cash and $146.79 million in debt, giving a net cash position of $3.55 million or $0.31 per share.

Cash & Cash Equivalents	150.33M
Total Debt	146.79M
Net Cash	3.55M
Net Cash Per Share	$0.31
Equity (Book Value)	185.53M
Book Value Per Share	16.35
Working Capital	-2.13B

Cash Flow

In the last 12 months, operating cash flow was $34.60 million and capital expenditures -$1.73 million, giving a free cash flow of $32.87 million.

Operating Cash Flow	34.60M
Capital Expenditures	-1.73M
Free Cash Flow	32.87M
FCF Per Share	$2.89

Margins

Gross Margin	n/a
Operating Margin	36.40%
Pretax Margin	34.81%
Profit Margin	27.88%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.86%

Dividends & Yields

This stock pays an annual dividend of $0.49, which amounts to a dividend yield of 2.06%.

Dividend Per Share	$0.49
Dividend Yield	2.06%
Dividend Growth (YoY)	5.43%
Years of Dividend Growth	3
Payout Ratio	19.66%
Buyback Yield	-0.40%
Shareholder Yield	1.68%
Earnings Yield	10.50%
FCF Yield	12.37%

Analyst Forecast

The average price target for OBT is $35.50, which is 48.47% higher than the current price. The consensus rating is "Buy".

Price Target	$35.50
Price Target Difference	48.47%
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