Orange County Bancorp, Inc.
General ticker "OBT" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $295.7M (TTM average)
Orange County Bancorp, Inc. follows the US Stock Market performance with the rate: 54.5%.
Estimated limits based on current volatility of 1.6%: low 32.22$, high 33.24$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-12-04, amount 0.18$ (Y2.25%)
- Total employees count: 225 (+14.2%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Real estate market downturn, Dependence on local market, Expansion risks, Market competition
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [24.17$, 32.75$]
- 2025-12-31 to 2026-12-31 estimated range: [23.73$, 32.67$]
Financial Metrics affecting the OBT estimates:
- Positive: with PPE of 11.3 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 24.33 > 18.38
- Positive: 6.64 < Operating cash flow per share per price, % of 10.99
- Negative: Shareholder equity ratio, % of 7.39 <= 19.40
- Positive: Industry earnings per price (median), % of 6.49 > 4.49
- Positive: -14.22 < Investing cash flow per share per price, % of -9.35
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 1.10
- Negative: -0.16 < Industry inventory ratio change (median), % of 0
Short-term OBT quotes
Long-term OBT plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $96.00MM | $131.07MM | $143.09MM |
| Operating Expenses | $65.73MM | $93.92MM | $108.27MM |
| Operating Income | $30.28MM | $37.15MM | $34.82MM |
| Interest Expense | $6.13MM | $29.38MM | $35.46MM |
| Income(Loss) | $30.28MM | $37.15MM | $34.82MM |
| Taxes | $5.91MM | $7.67MM | $6.93MM |
| Profit(Loss)* | $24.36MM | $29.48MM | $27.88MM |
| Stockholders Equity | $138.14MM | $165.38MM | $185.53MM |
| Assets | $2,287.33MM | $2,485.47MM | $2,509.93MM |
| Operating Cash Flow | $30.48MM | $44.50MM | $34.60MM |
| Capital expenditure | $1.54MM | $3.54MM | $1.73MM |
| Investing Cash Flow | $-434.11MM | $-144.92MM | $-29.42MM |
| Financing Cash Flow | $183.53MM | $161.72MM | $-2.23MM |
| Earnings Per Share** | $2.17 | $2.62 | $2.47 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.