Orange County Bancorp Stock Z Score

OBT Stock

USD 62.55 1.06 1.67%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Orange County Piotroski F Score and Orange County Valuation analysis.

At this time, Orange County's Change In Working Capital is comparatively stable compared to the past year. Capital Expenditures is likely to gain to about 3.7 M in 2024, whereas Capital Surpluse is likely to drop slightly above 96.1 M in 2024. At this time, Orange County's Income Tax Expense is comparatively stable compared to the past year. Interest Expense is likely to gain to about 30.8 M in 2024, despite the fact that Operating Income is likely to grow to (1.6 M).

Orange County Bancorp Company Z Score Analysis

Orange County's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Orange Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Orange County is extremely important. It helps to project a fair market value of Orange Stock properly, considering its historical fundamentals such as Z Score. Since Orange County's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Orange County's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Orange County's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Good Will	Total Liab	Total Current Assets	Intangible Assets	Common Stock	Net Receivables	Short Term Investments	Short Term Debt	Net Tangible Assets	Accounts Payable	Long Term Debt	Net Invested Capital	Long Term Investments	Property Plant Equipment	Capital Stock	Long Term Debt Total	Capital Surpluse	Treasury Stock
Total Assets		0.93	0.06	0.37	0.52	0.45	0.4	-0.93	0.93	0.94	0.87	0.55	0.92	-0.15	0.49	0.88	0.88	0.73	0.87	-0.34	-0.34	0.54
Total Stockholder Equity	0.93		-0.25	0.36	0.48	0.24	0.32	-0.84	0.86	0.92	0.78	0.43	0.99	0.1	0.24	0.77	0.79	0.71	0.83	-0.34	-0.34	0.49
Net Debt	0.06	-0.25		0.12	0.39	0.78	-0.16	-0.09	0.0	-0.11	0.17	0.62	-0.23	-0.93	0.56	0.35	0.19	0.16	0.21	-0.38	-0.38	0.38
Retained Earnings	0.37	0.36	0.12		0.4	0.33	-0.38	-0.08	0.25	0.34	0.55	0.44	0.32	-0.31	0.27	0.53	0.52	0.28	0.53	-0.21	-0.21	0.42
Good Will	0.52	0.48	0.39	0.4		0.74	-0.24	-0.49	0.48	0.4	0.5	0.89	0.49	-0.6	0.03	0.8	0.53	0.74	0.78	-0.85	-0.85	1.0
Total Liab	0.45	0.24	0.78	0.33	0.74		-0.05	-0.43	0.38	0.32	0.6	0.92	0.28	-0.91	0.6	0.73	0.63	0.42	0.7	-0.73	-0.73	0.72
Total Current Assets	0.4	0.32	-0.16	-0.38	-0.24	-0.05		-0.55	0.49	0.37	0.17	-0.23	0.34	0.31	0.27	0.09	0.19	-0.02	0.1	0.24	0.24	-0.24
Intangible Assets	-0.93	-0.84	-0.09	-0.08	-0.49	-0.43	-0.55		-0.95	-0.86	-0.68	-0.48	-0.86	0.13	-0.41	-0.78	-0.71	-0.77	-0.74	0.37	0.37	-0.49
Common Stock	0.93	0.86	0.0	0.25	0.48	0.38	0.49	-0.95		0.85	0.69	0.43	0.87	-0.09	0.39	0.79	0.7	0.73	0.76	-0.31	-0.31	0.49
Net Receivables	0.94	0.92	-0.11	0.34	0.4	0.32	0.37	-0.86	0.85		0.83	0.45	0.93	0.01	0.45	0.75	0.84	0.69	0.76	-0.32	-0.32	0.4
Short Term Investments	0.87	0.78	0.17	0.55	0.5	0.6	0.17	-0.68	0.69	0.83		0.65	0.77	-0.34	0.65	0.85	1.0	0.49	0.9	-0.37	-0.37	0.51
Short Term Debt	0.55	0.43	0.62	0.44	0.89	0.92	-0.23	-0.48	0.43	0.45	0.65		0.46	-0.8	0.42	0.81	0.69	0.66	0.81	-0.87	-0.87	0.87
Net Tangible Assets	0.92	0.99	-0.23	0.32	0.49	0.28	0.34	-0.86	0.87	0.93	0.77	0.46		0.07	0.26	0.75	0.78	0.74	0.81	-0.42	-0.42	0.49
Accounts Payable	-0.15	0.1	-0.93	-0.31	-0.6	-0.91	0.31	0.13	-0.09	0.01	-0.34	-0.8	0.07		-0.53	-0.51	-0.36	-0.26	-0.43	0.58	0.58	-0.59
Long Term Debt	0.49	0.24	0.56	0.27	0.03	0.6	0.27	-0.41	0.39	0.45	0.65	0.42	0.26	-0.53		0.46	0.65	0.1	0.42	-0.08	-0.08	0.02
Net Invested Capital	0.88	0.77	0.35	0.53	0.8	0.73	0.09	-0.78	0.79	0.75	0.85	0.81	0.75	-0.51	0.46		0.86	0.74	0.95	-0.55	-0.55	0.82
Long Term Investments	0.88	0.79	0.19	0.52	0.53	0.63	0.19	-0.71	0.7	0.84	1.0	0.69	0.78	-0.36	0.65	0.86		0.52	0.92	-0.42	-0.42	0.53
Property Plant Equipment	0.73	0.71	0.16	0.28	0.74	0.42	-0.02	-0.77	0.73	0.69	0.49	0.66	0.74	-0.26	0.1	0.74	0.52		0.68	-0.65	-0.65	0.73
Capital Stock	0.87	0.83	0.21	0.53	0.78	0.7	0.1	-0.74	0.76	0.76	0.9	0.81	0.81	-0.43	0.42	0.95	0.92	0.68		-0.61	-0.61	0.79
Long Term Debt Total	-0.34	-0.34	-0.38	-0.21	-0.85	-0.73	0.24	0.37	-0.31	-0.32	-0.37	-0.87	-0.42	0.58	-0.08	-0.55	-0.42	-0.65	-0.61		1.0	-0.8
Capital Surpluse	-0.34	-0.34	-0.38	-0.21	-0.85	-0.73	0.24	0.37	-0.31	-0.32	-0.37	-0.87	-0.42	0.58	-0.08	-0.55	-0.42	-0.65	-0.61	1.0		-0.8
Treasury Stock	0.54	0.49	0.38	0.42	1.0	0.72	-0.24	-0.49	0.49	0.4	0.51	0.87	0.49	-0.59	0.02	0.82	0.53	0.73	0.79	-0.8	-0.8

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Orange County

Based on the company's disclosures, Orange County Bancorp has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Orange County ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Orange County's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Orange County's managers, analysts, and investors.

Environmental

Governance

Social

Orange County Institutional Holders

Institutional Holdings refers to the ownership stake in Orange County that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Orange County's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Orange County's value.

		Shares
Bank Of New York Mellon Corp	2024-06-30	22.7 K
Morgan Stanley - Brokerage Accounts	2024-06-30	21.3 K
Keybank National Association	2024-06-30	17.5 K
Amvescap Plc.	2024-06-30	16 K
Eagle Ridge Investment Management	2024-09-30	14.2 K
Charles Schwab Investment Management Inc	2024-06-30	13.9 K
Northcrest Asset Management, Llc	2024-09-30	13 K
American Century Companies Inc	2024-06-30	12.8 K
First Trust Advisors L.p.	2024-06-30	12.1 K
Hudson Valley Investment Advisors, Llc	2024-09-30	602.9 K
Blackrock Inc	2024-06-30	327.3 K

Orange Fundamentals

	Return On Equity	0.17
	Return On Asset	0.0116
	Profit Margin	0.29 %
	Operating Margin	0.21 %
	Current Valuation	361.63 M
	Shares Outstanding	5.67 M
	Shares Owned By Insiders	19.83 %
	Shares Owned By Institutions	44.48 %
	Number Of Shares Shorted	38.22 K
	Price To Earning	11.55 X
	Price To Book	1.86 X
	Price To Sales	3.68 X
	Revenue	131.19 M
	Gross Profit	80.57 M
	EBITDA	286 K
	Net Income	29.48 M
	Cash And Equivalents	180.25 M
	Cash Per Share	31.95 X
	Total Debt	257.24 M
	Debt To Equity	0.42 %
	Current Ratio	2.12 X
	Book Value Per Share	34.03 X
	Cash Flow From Operations	44.5 M
	Short Ratio	2.94 X
	Earnings Per Share	5.12 X
	Target Price	65.0
	Number Of Employees	197
	Beta	0.46
	Market Capitalization	360.93 M
	Total Asset	2.49 B
	Retained Earnings	107.36 M
	Working Capital	3.74 M
	Current Asset	14.9 M
	Current Liabilities	11.16 M
	Annual Yield	0.01 %
	Five Year Return	2.73 %
	Net Asset	2.49 B
	Last Dividend Paid	0.92

About Orange County Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Orange County Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Orange County using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Orange County Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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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.

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Orange County Bancorp Stock Z Score

Orange County Bancorp Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Orange Z Score Driver Correlations

Orange County ESG Sustainability

Orange County Institutional Holders

Orange Fundamentals

About Orange County Fundamental Analysis

Thematic Opportunities

Explore Investment Opportunities

Additional Tools for Orange Stock Analysis

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