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OBT Orange County Bancorp Inc

Price (delayed)

$58.87

Market cap

$334.04M

P/E Ratio

11.48

Dividend/share

$0.92

EPS

$5.13

Enterprise value

$334.74M

Highlights
The equity has grown by 34% YoY and by 9% from the previous quarter
Orange County Bancorp's debt has surged by 103% QoQ but it has decreased by 8% YoY
The gross profit has increased by 4.9% year-on-year but it has declined by 4.8% since the previous quarter
The stock's P/E is 17% more than its last 4 quarters average of 9.8
Orange County Bancorp's EPS has decreased by 17% from the previous quarter and by 5% YoY

Key stats

What are the main financial stats of OBT
Market
Shares outstanding
5.67M
Market cap
$334.04M
Enterprise value
$334.74M
Valuations
Price to book (P/B)
1.73
Price to sales (P/S)
3.4
EV/EBIT
9.16
EV/EBITDA
8.71
EV/Sales
3.41
Earnings
Revenue
$98.02M
EBIT
$36.55M
EBITDA
$38.42M
Free cash flow
$36.66M
Per share
EPS
$5.13
Free cash flow per share
$6.48
Book value per share
$34.09
Revenue per share
$17.34
TBVPS
$444.44
Balance sheet
Total assets
$2.52B
Total liabilities
$2.33B
Debt
$161.57M
Equity
$193.09M
Working capital
N/A
Liquidity
Debt to equity
0.84
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.02
Margins
EBITDA margin
39.2%
Gross margin
100%
Net margin
29.4%
Operating margin
37.3%
Efficiency
Return on assets
1.2%
Return on equity
16.4%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
37.3%
Dividend
Dividend yield
1.56%
DPS
$0.92
Payout ratio
17.9%

OBT stock price

How has the Orange County Bancorp stock price performed over time
Intraday
0.14%
1 week
-3.81%
1 month
8.5%
1 year
27.95%
YTD
-2.27%
QTD
-2.4%

Financial performance

How have Orange County Bancorp's revenue and profit performed over time
Revenue
$98.02M
Gross profit
$98.02M
Operating income
$36.55M
Net income
$28.84M
Gross margin
100%
Net margin
29.4%
Orange County Bancorp's operating income has decreased by 17% QoQ and by 3.7% YoY
The net income has declined by 17% since the previous quarter and by 5% year-on-year
Orange County Bancorp's net margin has decreased by 13% QoQ and by 10% YoY
The company's operating margin fell by 12% QoQ and by 8% YoY

Growth

What is Orange County Bancorp's growth rate over time

Valuation

What is Orange County Bancorp stock price valuation
P/E
11.48
P/B
1.73
P/S
3.4
EV/EBIT
9.16
EV/EBITDA
8.71
EV/Sales
3.41
The stock's P/E is 17% more than its last 4 quarters average of 9.8
Orange County Bancorp's EPS has decreased by 17% from the previous quarter and by 5% YoY
The equity has grown by 34% YoY and by 9% from the previous quarter
The P/B is 3.9% below the last 4 quarters average of 1.8
OBT's price to sales (P/S) is 10% higher than its last 4 quarters average of 3.1
The company's revenue rose by 4.9% YoY but it fell by 4.8% QoQ

Efficiency

How efficient is Orange County Bancorp business performance
The company's return on equity fell by 23% QoQ and by 22% YoY
The ROIC is down by 17% since the previous quarter
OBT's ROA is down by 14% from the previous quarter and by 8% YoY
Orange County Bancorp's ROS has decreased by 12% from the previous quarter and by 8% YoY

Dividends

What is OBT's dividend history
DPS
$0.92
Dividend yield
1.56%
Payout ratio
17.9%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Orange County Bancorp financials performed over time
The total assets is 8% greater than the total liabilities
The total assets has grown by 2.9% year-on-year
Orange County Bancorp's debt is 16% lower than its equity
Orange County Bancorp's debt has surged by 103% QoQ but it has decreased by 8% YoY
The debt to equity has surged by 87% since the previous quarter but it has declined by 31% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.