Orange County Bancorp, Inc.

$ 37.23 3.36 %

Orange County Bancorp, Inc., operating through its subsidiaries, delivers a broad spectrum of commercial and consumer financial services, alongside specialized trust and wealth management offerings. Its clientele includes small and mid-sized businesses, local government entities, and affluent individuals. The institution provides diverse deposit accounts such as interest-bearing and non-interest-bearing checking options, money market and savings accounts, and certificates of deposit. On the lending side, it extends financing for commercial real estate, commercial and industrial ventures, real estate construction, residential properties, home equity, and various consumer needs. Complementing its banking operations, the company also offers traditional trust administration, sophisticated asset management, personalized financial planning, and holistic wealth management solutions. The company's physical footprint includes 14 full-service branches and one loan production office, strategically located across Orange, Westchester, Rockland, and Bronx counties within New York. Established in 1892, Orange County Bancorp, Inc. maintains its corporate headquarters in Middletown, New York.

CEO: Michael J. Gilfeather - https://www.orangebanktrust.com

Price objectif

$36 -3.30 %

Recommandation

Buy

DCF

$ 51.23

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OBT vs S&P500

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Quick ratio

0.18

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

10.85

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

3.43

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

16.09 %

reflects reasonable profitability, showing good use of equity.

ROIC

11.47 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

10.80

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.12

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

3.49

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

18.17 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
-0.52 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.11 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.01 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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