Orange County Financials

OBT Stock  USD 56.17  0.75  1.35%   
Based on the key measurements obtained from Orange County's financial statements, Orange County Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Orange County's Other Current Assets are comparatively stable compared to the past year. Short Term Debt is likely to gain to about 235.7 M in 2024, whereas Property Plant And Equipment Net is likely to drop slightly above 16.1 M in 2024. Key indicators impacting Orange County's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio1.611.536
Sufficiently Up
Pretty Stable
Operating Income39 M37.1 M
Sufficiently Up
Slightly volatile
Current Ratio8.595.47
Way Up
Very volatile
The essential information of the day-to-day investment outlook for Orange County includes many different criteria found on its balance sheet. An individual investor should monitor Orange County's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Orange County.

Net Income

30.95 Million

  
Please note, the imprecision that can be found in Orange County's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Orange County Bancorp. Check Orange County's Beneish M Score to see the likelihood of Orange County's management manipulating its earnings.

Orange County Stock Summary

Orange County competes with Southern States, US Century, Third Coast, Esquire Financial, and Five Star. Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York. Orange County is traded on NASDAQ Exchange in the United States.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS68417L1070
CUSIP68417L107
LocationNew York; U.S.A
Business Address212 Dolson Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.orangebanktrust.com
Phone845 341 5000
CurrencyUSD - US Dollar

Orange County Key Financial Ratios

Orange County Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.2B1.7B2.1B2.3B2.5B1.4B
Net Debt(17.1M)(98.9M)(283.8M)196.4M106.6M112.0M
Retained Earnings38.5M47.7M64.9M84.6M107.4M55.6M
Cash25.1M121.2M306.2M86.1M147.4M74.1M
Other Assets668.1M855.9M878.5M1.1B5.9M5.6M
Total Liab8M22.3M22.4M2.1B2.3B2.4B
Total Current Assets283.2M457.6M777.6M625.9M147.4M140.0M
Intangible Assets2.2M2.0M1.7M1.4M1.1M2.1M
Net Receivables3.2M6.3M6.6M6.3M5.9M4.8M
Other Current Assets28.3M127.5M312.8M92.4M153.3M178.4M
Other Liab751K716K636K1.3M1.4M908.4K
Net Tangible Assets114.5M128.1M175.8M131.4M151.1M134.5M
Accounts Payable1.1B1.5B1.9B23.9M21.5M20.4M
Long Term Debt8M22.3M22.4M150.9M29.5M46.3M
Net Invested Capital128.9M157.7M205.2M289.1M419.4M229.7M

Orange County Key Income Statement Accounts

The reason investors look at the income statement is to determine what Orange County's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Total Revenue52.9M59.7M72.0M89.9M93.9M54.7M
Gross Profit52.9M59.7M72.0M89.9M93.9M54.7M
Operating Income13.9M14.5M26.7M36.4M37.1M39.0M
Ebit13.9M14.2M26.7M30.3M37.1M39.0M
Ebitda15.4M15.8M28.3M32.0M39.1M41.1M
Income Before Tax13.9M14.5M26.7M30.3M37.1M39.0M
Net Income11.1M11.7M21.3M24.4M29.5M31.0M
Income Tax Expense2.8M2.8M5.4M5.9M7.7M8.1M
Interest Expense4.8M4.7M4.0M6.1M29.4M30.8M
Tax Provision2.8M2.8M5.4M5.9M7.5M4.8M
Net Interest Income43.5M48.7M60.5M78.1M89.1M60.7M
Interest Income48.3M53.5M64.4M84.2M111.8M68.2M

Orange County Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash6.7M96.1M184.9M(220.1M)61.3M64.4M
Free Cash Flow11.9M10.7M18.4M28.9M41.0M43.0M
Depreciation1.5M1.6M1.7M1.7M2.0M1.4M
Other Non Cash Items3.2M3.4M(1.9M)6.7M5.1M2.5M
Dividends Paid3.6M3.6M4.0M4.7M5.2M4.0M
Capital Expenditures1.9M692K2.0M1.5M3.5M3.7M
Net Income11.1M11.7M21.3M24.4M29.5M31.0M
End Period Cash Flow25.1M121.2M306.2M86.1M147.4M74.1M
Investments3.7M(71.0M)(291.3M)(215.2M)(122.1M)(128.3M)
Net Borrowings15.4M(30.6M)14.3M57.0M65.6M68.8M
Change To Netincome2.8M3.7M(1.8M)9.2M8.3M8.7M

Orange Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Orange County's current stock value. Our valuation model uses many indicators to compare Orange County value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Orange County competition to find correlations between indicators driving Orange County's intrinsic value. More Info.
Orange County Bancorp is regarded second in return on equity category among its peers. It is regarded fourth in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Orange County Bancorp is roughly  14.76 . At this time, Orange County's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Orange County by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Orange County Bancorp Systematic Risk

Orange County's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Orange County volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Orange County Bancorp correlated with the market. If Beta is less than 0 Orange County generally moves in the opposite direction as compared to the market. If Orange County Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Orange County Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Orange County is generally in the same direction as the market. If Beta > 1 Orange County moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Orange County Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Orange County's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Orange County growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.52

At this time, Orange County's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Orange County December 27, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Orange County help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Orange County Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Orange County Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Orange Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Orange County's daily price indicators and compare them against related drivers.

Additional Tools for Orange Stock Analysis

When running Orange County's price analysis, check to measure Orange County's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Orange County is operating at the current time. Most of Orange County's value examination focuses on studying past and present price action to predict the probability of Orange County's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Orange County's price. Additionally, you may evaluate how the addition of Orange County to your portfolios can decrease your overall portfolio volatility.