Shares Outstanding Shares Outstanding n/a Close	11.38M
Shares Change (YoY) Shares Change (YoY) n/a Close	0.39%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	0.09%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	45.3%
Shares Floating Shares Floating n/a Close	n/a
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	1,011
FTD / Avg. Volume FTD / Avg. Volume n/a Close	4.5%

Short Selling Information

The latest short interest is 130.15K, so 1.14% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	130.15K
Short % of Shares Out Short % of Shares Out n/a Close	1.14%
Short % of Float Short % of Float n/a Close	1.25%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	3.89

Valuation Ratios

The PE ratio is 11.27 and the forward PE ratio is 6.83. Orange County Bancorp's PEG ratio is -0.21.

PE Ratio PE Ratio n/a Close	11.27
Forward PE Forward PE n/a Close	6.83
PS Ratio PS Ratio n/a Close	2.92
Forward PS Forward PS n/a Close	2.2
PB Ratio PB Ratio n/a Close	1.69
P/FCF Ratio P/FCF Ratio n/a Close	9.56
PEG Ratio PEG Ratio n/a Close	-0.21

Financial Ratio History

Enterprise Valuation

Orange County Bancorp has an Enterprise Value (EV) of 306.87M.

EV / Sales EV / Sales n/a Close	2.85
EV / EBITDA EV / EBITDA n/a Close	8.35
EV / EBIT EV / EBIT n/a Close	8.87
EV / FCF EV / FCF n/a Close	9.34

Financial Position

The company has a current ratio of 0.27, with a Debt / Equity ratio of 0.77.

Current Ratio Current Ratio n/a Close	0.27
Quick Ratio Quick Ratio n/a Close	0.27
Debt / Equity Debt / Equity n/a Close	0.77
Debt / EBITDA Debt / EBITDA n/a Close	3.89
Debt / FCF Debt / FCF n/a Close	4.35
Interest Coverage Interest Coverage n/a Close	0.98

Financial Efficiency

Return on Equity is 15.03% and Return on Invested Capital is -1.82%.

Return on Equity Return on Equity n/a Close	15.03%
Return on Assets Return on Assets n/a Close	1.11%
Return on Invested Capital Return on Invested Capital n/a Close	-1.82%
Revenue Per Employee Revenue Per Employee n/a Close	$478,333.33
Profits Per Employee Profits Per Employee n/a Close	$123,924.44
Employee Count Employee Count n/a Close	225
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	6.93M
Effective Tax Rate Effective Tax Rate n/a Close	19.92%

Stock Price Statistics

The stock price has increased by 4.26% in the last 52 weeks. The beta is 0.51, so Orange County Bancorp's price volatility has been higher than the market average.

Beta Beta n/a Close	0.51
52-Week Price Change 52-Week Price Change n/a Close	4.26%
50-Day Moving Average 50-Day Moving Average n/a Close	24.37
200-Day Moving Average 200-Day Moving Average n/a Close	26.83
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	41.54
Average Volume (20 Days) Average Volume (20 Days) n/a Close	22,458

Income Statement

In the last 12 months, Orange County Bancorp had revenue of 107.63M and earned 27.88M in profits. Earnings per share was 2.47.

Revenue Revenue n/a Close	107.63M
Gross Profit Gross Profit n/a Close	107.63M
Operating Income Operating Income n/a Close	34.82M
Net Income Net Income n/a Close	27.88M
EBITDA EBITDA n/a Close	36.77M
EBIT EBIT n/a Close	34.82M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	2.47

Full Income Statement

Balance Sheet

The company has 150.33M in cash and 143.09M in debt, giving a net cash position of 7.24M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	150.33M
Total Debt Total Debt n/a Close	143.09M
Net Cash Net Cash n/a Close	7.24M
Retained Earnings Retained Earnings n/a Close	129.92M
Total Assets Total Assets n/a Close	2.56B
Working Capital Working Capital n/a Close	618.97M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 34.6M and capital expenditures -1.73M, giving a free cash flow of 32.87M.

Operating Cash Flow Operating Cash Flow n/a Close	34.6M
Capital Expenditures Capital Expenditures n/a Close	-1.73M
Free Cash Flow Free Cash Flow n/a Close	32.87M
FCF Per Share FCF Per Share n/a Close	2.91

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 32.35% and 25.91%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	32.35%
Pretax Margin Pretax Margin n/a Close	32.35%
Profit Margin Profit Margin n/a Close	25.91%
EBITDA Margin EBITDA Margin n/a Close	34.16%
EBIT Margin EBIT Margin n/a Close	32.35%
FCF Margin FCF Margin n/a Close	30.54%

Dividends & Yields

OBT pays an annual dividend of $0.61, which amounts to a dividend yield of 2.12%.

Dividend Per Share Dividend Per Share n/a Close	$0.61
Dividend Yield Dividend Yield n/a Close	2.12%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	13.04%
Payout Ratio Payout Ratio n/a Close	25.41%
Earnings Yield Earnings Yield n/a Close	8.88%
FCF Yield FCF Yield n/a Close	10.47%

Dividend Details

Analyst Forecast

The average price target for OBT is $35.5, which is 48.1% higher than the current price. The consensus rating is "Buy".

Price Target Price Target n/a Close	$35.5
Price Target Difference Price Target Difference n/a Close	48.1%
Analyst Consensus Analyst Consensus n/a Close	Buy
Analyst Count Analyst Count n/a Close	1

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$12.35
Lynch Upside Lynch Upside n/a Close	-48.48%
Graham Number Graham Number n/a Close	30.18
Graham Upside Graham Upside n/a Close	25.91%

Stock Splits

The last stock split was on Jan 13, 2025. It was a forward split with a ratio of 2:1.

Last Split Date Last Split Date n/a Close	Jan 13, 2025
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	2:1

Scores

Altman Z-Score Altman Z-Score n/a Close	0.51
Piotroski F-Score Piotroski F-Score n/a Close	6