Orange County Bancorp (OBT) Financials

$23.53 +1.40 (+6.33%)

Closing price 04/17/2025 04:00 PM Eastern

Extended Trading

$23.56 +0.04 (+0.15%)

As of 04/17/2025 04:05 PM Eastern

Annual Income Statements for Orange County Bancorp

This table shows Orange County Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	24	29	28
Consolidated Net Income / (Loss)	24	29	28
Net Income / (Loss) Continuing Operations	24	29	28
Total Pre-Tax Income	30	37	35
Total Revenue	90	102	108
Net Interest Income / (Expense)	78	88	92
Total Interest Income	84	118	127
Loans and Leases Interest Income	69	96	106
Investment Securities Interest Income	12	15	14
Federal Funds Sold and Securities Borrowed Interest Income	2.74	6.50	7.22
Total Interest Expense	6.14	29	35
Deposits Interest Expense	4.46	20	28
Short-Term Borrowings Interest Expense	0.60	8.94	6.67
Long-Term Debt Interest Expense	1.08	0.92	0.92
Total Non-Interest Income	12	13	16
Trust Fees by Commissions	4.76	5.10	5.51
Service Charges on Deposit Accounts	0.69	0.81	1.02
Other Service Charges	1.05	1.18	1.89
Net Realized & Unrealized Capital Gains on Investments	0.00	0.11	0.00
Investment Banking Income	4.54	5.24	6.74
Other Non-Interest Income	0.95	0.98	0.82
Provision for Credit Losses	9.52	7.87	7.71
Total Non-Interest Expense	50	57	65
Salaries and Employee Benefits	28	32	36
Net Occupancy & Equipment Expense	9.27	9.81	11
Marketing Expense	1.60	1.66	1.58
Other Operating Expenses	11	13	16
Amortization Expense	0.29	0.29	0.29
Income Tax Expense	5.91	7.67	6.94
Basic Earnings per Share	$4.33	$2.62	$2.47
Weighted Average Basic Shares Outstanding	5.62M	11.26M	11.30M
Diluted Earnings per Share	$4.33	$2.62	$2.47
Weighted Average Diluted Shares Outstanding	5.62M	11.26M	11.30M
Weighted Average Basic & Diluted Shares Outstanding	5.64M	5.66M	11.36M
Cash Dividends to Common per Share	$0.83	-	$0.47

This table shows Orange County Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	7.85	9.07	3.23	9.09	9.04	8.12	9.29	8.21	3.22	7.16
Consolidated Net Income / (Loss)	7.85	9.07	3.23	9.09	9.04	8.12	9.29	8.21	3.22	7.16
Net Income / (Loss) Continuing Operations	7.85	9.07	3.23	9.09	9.04	8.12	9.29	8.21	3.22	7.16
Total Pre-Tax Income	9.71	11	3.93	11	11	11	12	10	4.00	8.97
Total Revenue	24	26	24	26	26	26	25	28	27	27
Net Interest Income / (Expense)	21	23	21	23	23	22	22	24	23	23
Total Interest Income	23	26	26	30	30	32	31	33	31	32
Loans and Leases Interest Income	18	21	22	24	25	26	26	27	26	27
Investment Securities Interest Income	3.47	3.77	3.67	3.91	3.71	3.72	3.79	3.69	3.22	3.28
Federal Funds Sold and Securities Borrowed Interest Income	1.26	0.85	0.86	1.95	1.70	1.98	1.67	2.05	1.84	1.67
Total Interest Expense	1.43	2.80	5.23	7.14	7.60	9.42	9.47	8.39	8.47	9.13
Deposits Interest Expense	1.15	1.95	2.89	4.62	5.46	6.55	6.99	7.27	6.65	6.97
Short-Term Borrowings Interest Expense	0.00	0.60	2.11	2.28	1.91	2.64	2.25	0.89	1.59	1.93
Long-Term Debt Interest Expense	0.27	0.26	0.23	0.23	0.23	0.23	0.23	0.23	0.23	0.23
Total Non-Interest Income	2.93	3.08	3.17	3.29	3.22	3.74	3.69	3.81	4.17	4.31
Trust Fees by Commissions	1.18	1.20	1.18	1.27	1.27	1.39	1.31	1.31	1.38	1.51
Service Charges on Deposit Accounts	0.18	0.18	0.17	0.21	0.21	0.22	0.24	0.23	0.27	0.28
Other Service Charges	0.25	0.31	0.28	0.28	0.17	0.45	0.32	0.35	0.75	0.48
Investment Banking Income	1.09	1.15	1.20	1.29	1.33	1.42	1.58	1.65	1.74	1.77
Other Non-Interest Income	0.24	0.24	0.24	0.24	0.24	0.26	0.24	0.27	0.04	0.26
Provision for Credit Losses	2.08	1.00	6.36	0.21	0.84	0.46	-1.64	2.21	7.19	-0.05
Total Non-Interest Expense	13	13	14	14	14	15	15	15	16	18
Salaries and Employee Benefits	7.35	7.15	8.12	7.96	7.89	8.22	8.86	9.18	8.96	9.42
Net Occupancy & Equipment Expense	2.34	2.25	2.48	2.44	2.41	2.48	2.40	2.59	2.75	3.00
Marketing Expense	0.37	0.48	0.28	0.43	0.36	0.58	0.36	0.44	0.36	0.41
Other Operating Expenses	2.43	3.50	3.08	3.55	2.86	3.37	3.62	3.21	3.81	5.56
Amortization Expense	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07
Income Tax Expense	1.86	2.39	0.70	2.14	2.26	2.58	2.33	2.02	0.79	1.80
Basic Earnings per Share	$1.40	$1.60	$0.57	$1.61	$1.61	$0.72	$1.65	$1.46	$0.57	$0.63
Weighted Average Basic Shares Outstanding	5.62M	5.62M	5.63M	5.63M	5.63M	11.26M	5.63M	5.64M	5.65M	11.30M
Diluted Earnings per Share	$1.40	$1.60	$0.57	$1.61	$1.61	$0.72	$1.65	$1.46	$0.57	$0.63
Weighted Average Diluted Shares Outstanding	5.62M	5.62M	5.63M	5.63M	5.63M	11.26M	5.63M	5.64M	5.65M	11.30M
Basic & Diluted Earnings per Share	-	-	-	-	-	$0.72	-	-	-	$0.63
Weighted Average Basic & Diluted Shares Outstanding	5.64M	5.64M	5.64M	5.65M	5.65M	5.66M	5.66M	5.66M	5.67M	11.36M
Cash Dividends to Common per Share	$0.20	$0.23	$0.23	$0.23	$0.23	$0.12	$0.23	$0.23	$0.23	$0.13

This table details how cash moves in and out of Orange County Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-220	61	2.95
Net Cash From Operating Activities	30	45	35
Net Cash From Continuing Operating Activities	30	45	35
Net Income / (Loss) Continuing Operations	24	29	28
Consolidated Net Income / (Loss)	24	29	28
Provision For Loan Losses	9.52	7.87	7.71
Depreciation Expense	1.41	1.68	1.66
Amortization Expense	2.02	1.59	1.44
Non-Cash Adjustments to Reconcile Net Income	-4.84	-3.13	-1.23
Changes in Operating Assets and Liabilities, net	-1.99	7.01	-2.86
Net Cash From Investing Activities	-434	-145	-29
Net Cash From Continuing Investing Activities	-434	-145	-29
Purchase of Property, Leasehold Improvements and Equipment	-1.55	-3.10	-1.73
Purchase of Investment Securities	-224	-61	-61
Sale of Property, Leasehold Improvements and Equipment	0.00	0.00	0.38
Sale and/or Maturity of Investments	71	98	106
Other Investing Activities, net	-280	-179	-73
Net Cash From Financing Activities	184	162	-2.23
Net Cash From Continuing Financing Activities	184	162	-2.23
Net Change in Deposits	60	64	115
Issuance of Debt	132	10	0.00
Repayment of Debt	-3.00	93	-111
Repurchase of Common Equity	-0.31	-0.45	-0.52
Payment of Dividends	-4.67	-5.19	-5.33
Cash Interest Paid	6.12	28	37
Cash Income Taxes Paid	7.26	7.82	10

This table details how cash moves in and out of Orange County Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-91	-94	79	13	-20	-11	-2.66	45	-29	-11
Net Cash From Operating Activities	13	7.25	8.17	9.44	11	16	2.25	9.27	10	13
Net Cash From Continuing Operating Activities	13	7.25	8.17	9.44	11	16	2.25	9.27	10	13
Net Income / (Loss) Continuing Operations	7.85	9.07	3.23	9.09	9.04	8.12	9.29	8.21	3.22	7.16
Consolidated Net Income / (Loss)	7.85	9.07	3.23	9.09	9.04	8.12	9.29	8.21	3.22	7.16
Provision For Loan Losses	2.08	1.00	6.36	0.21	0.84	0.46	-1.64	2.21	7.19	-0.05
Depreciation Expense	0.41	0.26	0.50	0.39	0.40	0.40	0.39	0.39	0.40	0.48
Amortization Expense	0.53	0.42	0.41	0.40	0.42	0.36	0.35	0.36	0.37	0.36
Non-Cash Adjustments to Reconcile Net Income	-0.13	-2.45	-0.75	-0.81	-0.59	-0.97	-0.16	-0.69	0.30	-0.69
Changes in Operating Assets and Liabilities, net	2.01	-1.05	-1.57	0.16	0.78	7.64	-5.99	-1.22	-1.23	5.57
Net Cash From Investing Activities	-87	-15	-86	-35	14	-38	32	15	-60	-17
Net Cash From Continuing Investing Activities	-87	-15	-86	-35	14	-38	32	15	-60	-17
Purchase of Property, Leasehold Improvements and Equipment	-0.73	-0.40	-2.34	-0.60	-0.12	-0.05	-0.25	-0.11	-0.29	-1.08
Purchase of Investment Securities	-21	-12	-21	-13	-13	-13	-8.17	-14	-14	-25
Sale of Property, Leasehold Improvements and Equipment	-	-	-	-	-	-0.44	-	-	-	0.38
Sale and/or Maturity of Investments	13	19	34	28	21	15	24	30	19	33
Other Investing Activities, net	-79	-22	-96	-49	6.19	-40	17	-0.43	-66	-24
Net Cash From Financing Activities	-17	-86	157	39	-45	11	-37	21	21	-6.61
Net Cash From Continuing Financing Activities	-17	-86	157	39	-45	11	-37	21	21	-6.61
Net Change in Deposits	-16	-213	51	112	-33	-66	111	50	-59	13
Repayment of Debt	-	-3.00	98	-98	15	79	50	-225	82	-19
Repurchase of Common Equity	-0.12	-	-0.29	-0.00	-0.13	-0.02	-0.29	-0.01	-0.20	-0.03
Payment of Dividends	-1.12	-1.30	-1.30	-1.30	-1.30	-1.30	-1.30	-1.30	-1.30	-1.42
Cash Interest Paid	1.64	2.57	5.44	6.60	7.51	7.98	10	8.12	8.54	10
Cash Income Taxes Paid	0.54	2.66	0.10	3.60	2.77	1.35	0.10	5.61	2.80	1.60

This table presents Orange County Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	2,287	2,485	2,510
Cash and Due from Banks	86	147	150
Loans and Leases, Net of Allowance	1,548	1,722	1,790
Loans and Leases	1,569	1,747	1,816
Allowance for Loan and Lease Losses	22	25	26
Accrued Investment Income	6.32	5.93	6.68
Premises and Equipment, Net	15	16	16
Goodwill	5.36	5.36	5.36
Intangible Assets	1.39	1.11	0.82
Other Assets	626	588	541
Total Liabilities & Shareholders' Equity	2,287	2,485	2,510
Total Liabilities	2,149	2,320	2,324
Non-Interest Bearing Deposits	723	699	651
Interest Bearing Deposits	1,251	1,340	1,502
Short-Term Debt	132	225	114
Long-Term Debt	19	30	30
Other Long-Term Liabilities	24	27	28
Total Equity & Noncontrolling Interests	138	165	186
Total Preferred & Common Equity	138	165	186
Total Common Equity	138	165	186
Common Stock	123	123	124
Retained Earnings	85	107	130
Treasury Stock	-1.25	-1.11	-0.38
Accumulated Other Comprehensive Income / (Loss)	-68	-64	-68

This table presents Orange County Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	2,368	2,455	2,494	2,447	2,453	2,481	2,519
Cash and Due from Banks	180	165	179	159	145	190	161
Loans and Leases, Net of Allowance	1,525	1,639	1,688	1,682	1,707	1,706	1,765
Loans and Leases	1,548	1,663	1,713	1,708	1,733	1,734	1,796
Allowance for Loan and Lease Losses	23	25	25	26	25	28	31
Accrued Investment Income	5.55	5.96	5.81	6.33	10	9.62	10
Premises and Equipment, Net	15	17	16	16	16	16	14
Goodwill	5.36	5.36	5.36	5.36	5.36	5.36	5.36
Intangible Assets	1.46	1.32	1.25	1.18	1.04	0.96	0.89
Other Assets	89	96	95	578	568	554	563
Total Liabilities & Shareholders' Equity	2,368	2,455	2,494	2,447	2,453	2,481	2,519
Total Liabilities	2,232	2,067	2,346	2,303	2,284	2,304	2,326
Non-Interest Bearing Deposits	788	694	716	727	636	681	690
Interest Bearing Deposits	1,399	1,332	1,423	1,378	1,513	1,518	1,450
Short-Term Debt	-	-	157	146	78	50	132
Long-Term Debt	22	19	29	30	30	30	30
Other Long-Term Liabilities	22	22	22	23	27	25	24
Total Equity & Noncontrolling Interests	136	149	148	144	169	178	193
Total Preferred & Common Equity	136	149	148	144	169	178	193
Total Common Equity	136	149	148	144	169	178	193
Common Stock	123	123	123	123	123	123	124
Retained Earnings	77	85	93	101	115	122	124
Treasury Stock	-1.27	-1.36	-1.28	-1.13	-0.96	-0.73	-0.41
Accumulated Other Comprehensive Income / (Loss)	-62	-58	-66	-79	-69	-67	-54

This table displays calculated financial ratios and metrics derived from Orange County Bancorp's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	24.15%	13.02%	5.82%
EBITDA Growth	10.75%	19.92%	-6.18%
EBIT Growth	13.49%	22.70%	-6.27%
NOPAT Growth	14.45%	21.00%	-5.41%
Net Income Growth	14.45%	21.00%	-5.41%
EPS Growth	1.17%	21.00%	-5.41%
Operating Cash Flow Growth	50.01%	45.98%	-22.24%
Free Cash Flow Firm Growth	-127.32%	-69.44%	217.68%
Invested Capital Growth	40.87%	45.08%	-21.64%
Revenue Q/Q Growth	7.83%	-0.01%	1.40%
EBITDA Q/Q Growth	14.13%	-1.63%	-4.20%
EBIT Q/Q Growth	17.04%	-1.99%	-4.74%
NOPAT Q/Q Growth	17.21%	-3.11%	-3.33%
Net Income Q/Q Growth	17.21%	-3.11%	-3.33%
EPS Q/Q Growth	17.98%	-3.11%	-3.33%
Operating Cash Flow Q/Q Growth	5.10%	24.53%	-8.43%
Free Cash Flow Firm Q/Q Growth	0.00%	22.66%	1,952.86%
Invested Capital Q/Q Growth	82.25%	31.30%	-7.34%
Profitability Metrics	-	-	-
EBITDA Margin	37.42%	39.70%	35.20%
EBIT Margin	33.61%	36.49%	32.32%
Profit (Net Income) Margin	27.04%	28.95%	25.88%
Tax Burden Percent	80.47%	79.35%	80.08%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	19.53%	20.65%	19.92%
Return on Invested Capital (ROIC)	9.86%	8.32%	7.46%
ROIC Less NNEP Spread (ROIC-NNEP)	9.86%	8.32%	7.46%
Return on Net Nonoperating Assets (RNNOA)	5.32%	11.10%	8.44%
Return on Equity (ROE)	15.18%	19.42%	15.89%
Cash Return on Invested Capital (CROIC)	-24.08%	-28.46%	31.73%
Operating Return on Assets (OROA)	1.37%	1.56%	1.39%
Return on Assets (ROA)	1.10%	1.24%	1.12%
Return on Common Equity (ROCE)	15.18%	19.42%	15.89%
Return on Equity Simple (ROE_SIMPLE)	17.64%	17.82%	15.03%
Net Operating Profit after Tax (NOPAT)	24	29	28
NOPAT Margin	27.04%	28.95%	25.88%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	43.19%	42.88%	45.23%
Operating Expenses to Revenue	55.83%	55.78%	60.53%
Earnings before Interest and Taxes (EBIT)	30	37	35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	34	40	38
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.84	2.01	1.69
Price to Tangible Book Value (P/TBV)	1.94	2.09	1.75
Price to Revenue (P/Rev)	2.83	3.27	2.91
Price to Earnings (P/E)	10.46	11.28	11.25
Dividend Yield	1.84%	1.56%	1.70%
Earnings Yield	9.56%	8.86%	8.89%
Enterprise Value to Invested Capital (EV/IC)	1.11	1.05	0.93
Enterprise Value to Revenue (EV/Rev)	3.55	4.31	2.84
Enterprise Value to EBITDA (EV/EBITDA)	9.48	10.86	8.08
Enterprise Value to EBIT (EV/EBIT)	10.56	11.82	8.80
Enterprise Value to NOPAT (EV/NOPAT)	13.12	14.90	10.99
Enterprise Value to Operating Cash Flow (EV/OCF)	10.49	9.87	8.86
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	2.58
Leverage & Solvency	-	-	-
Debt to Equity	1.09	1.54	0.77
Long-Term Debt to Equity	0.14	0.18	0.16
Financial Leverage	0.54	1.33	1.13
Leverage Ratio	13.80	15.73	14.24
Compound Leverage Factor	13.80	15.73	14.24
Debt to Total Capital	52.22%	60.57%	43.54%
Short-Term Debt to Total Capital	45.49%	53.53%	34.54%
Long-Term Debt to Total Capital	6.73%	7.04%	9.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	47.78%	39.43%	56.46%
Debt to EBITDA	4.48	6.28	3.77
Net Debt to EBITDA	1.92	2.64	-0.19
Long-Term Debt to EBITDA	0.58	0.73	0.78
Debt to NOPAT	6.20	8.62	5.13
Net Debt to NOPAT	2.66	3.62	-0.26
Long-Term Debt to NOPAT	0.80	1.00	1.06
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-60	-101	119
Operating Cash Flow to CapEx	1,973.01%	1,435.02%	2,553.73%
Free Cash Flow to Firm to Interest Expense	-9.70	-3.43	3.35
Operating Cash Flow to Interest Expense	4.97	1.51	0.98
Operating Cash Flow Less CapEx to Interest Expense	4.72	1.41	0.94
Efficiency Ratios	-	-	-
Asset Turnover	0.04	0.04	0.04
Fixed Asset Turnover	6.14	6.59	6.74
Capital & Investment Metrics	-	-	-
Invested Capital	289	419	329
Invested Capital Turnover	0.36	0.29	0.29
Increase / (Decrease) in Invested Capital	84	130	-91
Enterprise Value (EV)	320	439	306
Market Capitalization	255	333	314
Book Value per Share	$24.48	$29.27	$32.70
Tangible Book Value per Share	$23.28	$28.12	$31.61
Total Capital	289	419	329
Total Debt	151	254	143
Total Long-Term Debt	19	30	30
Net Debt	65	107	-7.24
Capital Expenditures (CapEx)	1.55	3.10	1.36
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	151	254	143
Total Depreciation and Amortization (D&A)	3.43	3.27	3.10
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$4.33	$2.62	$2.47
Adjusted Weighted Average Basic Shares Outstanding	5.62M	11.26M	11.30M
Adjusted Diluted Earnings per Share	$4.33	$2.62	$2.47
Adjusted Weighted Average Diluted Shares Outstanding	5.62M	11.26M	11.30M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	5.64M	11.31M	11.36M
Normalized Net Operating Profit after Tax (NOPAT)	24	29	28
Normalized NOPAT Margin	27.04%	28.95%	25.88%
Pre Tax Income Margin	33.61%	36.49%	32.32%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	4.94	1.26	0.98
NOPAT to Interest Expense	3.97	1.00	0.79
EBIT Less CapEx to Interest Expense	4.68	1.16	0.94
NOPAT Less CapEx to Interest Expense	3.72	0.90	0.75
Payout Ratios	-	-	-
Dividend Payout Ratio	19.16%	17.61%	19.10%
Augmented Payout Ratio	20.43%	19.13%	20.96%

This table displays calculated financial ratios and metrics derived from Orange County Bancorp's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	28.77%	33.79%	25.67%	26.37%	5.64%	-0.05%	4.02%	7.87%	5.52%	5.76%
EBITDA Growth	35.85%	52.46%	-35.64%	251.82%	13.75%	-5.52%	155.72%	-8.55%	-60.58%	-14.50%
EBIT Growth	40.16%	62.52%	-40.52%	347.29%	16.33%	-6.60%	195.90%	-8.89%	-64.55%	-16.20%
NOPAT Growth	40.84%	65.12%	-39.40%	330.62%	15.09%	-10.43%	187.62%	-9.61%	-64.42%	-11.82%
Net Income Growth	40.84%	65.12%	-39.40%	330.62%	15.09%	-10.43%	187.62%	-9.61%	-64.42%	-11.82%
EPS Growth	32.08%	70.21%	-40.00%	323.68%	15.00%	-10.43%	189.47%	-9.32%	-64.60%	-11.82%
Operating Cash Flow Growth	73.91%	25.66%	161.92%	28.23%	-14.71%	120.95%	-72.43%	-1.72%	-5.81%	-19.89%
Free Cash Flow Firm Growth	126.45%	0.00%	-19.41%	-5,592.17%	-390.67%	-63.35%	164.61%	154.33%	78.89%	180.15%
Invested Capital Growth	-21.85%	40.87%	117.74%	98.74%	101.37%	45.08%	-32.14%	-23.06%	11.03%	-21.64%
Revenue Q/Q Growth	18.85%	6.40%	-6.16%	6.50%	-0.65%	0.66%	-2.34%	10.44%	-2.81%	0.89%
EBITDA Q/Q Growth	211.98%	13.89%	-60.14%	148.42%	0.87%	-5.41%	7.89%	-11.16%	-56.52%	105.15%
EBIT Q/Q Growth	286.81%	18.01%	-65.74%	185.97%	0.60%	-5.24%	8.55%	-11.95%	-60.86%	123.98%
NOPAT Q/Q Growth	272.18%	15.50%	-64.39%	181.30%	-0.53%	-10.11%	14.35%	-11.59%	-60.84%	122.76%
Net Income Q/Q Growth	272.18%	15.50%	-64.39%	181.30%	-0.53%	-10.11%	14.35%	-11.59%	-60.84%	122.76%
EPS Q/Q Growth	268.42%	14.29%	-64.38%	182.46%	0.00%	-10.11%	13.79%	-11.52%	-60.96%	122.76%
Operating Cash Flow Q/Q Growth	73.39%	-43.20%	12.76%	15.46%	15.33%	47.16%	-85.93%	311.58%	10.53%	25.16%
Free Cash Flow Firm Q/Q Growth	1,993.73%	-243.27%	-189.93%	27.64%	3.30%	19.49%	214.68%	-39.15%	-137.56%	405.76%
Invested Capital Q/Q Growth	-5.66%	82.25%	40.81%	-17.91%	-4.41%	31.30%	-34.14%	-6.92%	37.95%	-7.34%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	43.74%	46.82%	19.89%	46.40%	47.11%	44.26%	48.89%	39.33%	17.60%	35.78%
EBIT Margin	39.88%	44.23%	16.15%	43.37%	43.91%	41.33%	45.94%	36.63%	14.75%	32.75%
Profit (Net Income) Margin	32.25%	35.01%	13.29%	35.10%	35.14%	31.38%	36.74%	29.41%	11.85%	26.16%
Tax Burden Percent	80.88%	79.16%	82.27%	80.93%	80.02%	75.91%	79.97%	80.29%	80.32%	79.88%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.12%	20.84%	17.73%	19.07%	19.98%	24.09%	20.03%	19.71%	19.68%	20.12%
Return on Invested Capital (ROIC)	14.90%	12.76%	4.25%	14.04%	14.97%	9.02%	11.05%	10.43%	3.74%	7.54%
ROIC Less NNEP Spread (ROIC-NNEP)	14.90%	12.76%	4.25%	14.04%	14.97%	9.02%	11.05%	10.43%	3.74%	7.54%
Return on Net Nonoperating Assets (RNNOA)	2.11%	6.89%	3.81%	9.95%	10.58%	12.03%	12.75%	8.50%	3.74%	8.53%
Return on Equity (ROE)	17.01%	19.65%	8.07%	23.99%	25.55%	21.05%	23.81%	18.93%	7.47%	16.07%
Cash Return on Invested Capital (CROIC)	0.00%	-24.08%	-66.61%	-54.46%	-54.55%	-28.46%	48.70%	37.79%	-1.90%	31.73%
Operating Return on Assets (OROA)	1.47%	1.80%	0.65%	1.78%	1.86%	1.76%	1.92%	1.54%	0.63%	1.41%
Return on Assets (ROA)	1.19%	1.42%	0.53%	1.44%	1.49%	1.34%	1.54%	1.24%	0.51%	1.13%
Return on Common Equity (ROCE)	17.01%	19.65%	8.07%	23.99%	25.55%	21.05%	23.81%	18.93%	7.47%	16.07%
Return on Equity Simple (ROE_SIMPLE)	15.26%	0.00%	14.98%	19.73%	21.14%	0.00%	21.07%	19.52%	14.94%	0.00%
Net Operating Profit after Tax (NOPAT)	7.85	9.07	3.23	9.09	9.04	8.12	9.29	8.21	3.22	7.16
NOPAT Margin	32.25%	35.01%	13.29%	35.10%	35.14%	31.38%	36.74%	29.41%	11.85%	26.16%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	41.31%	38.12%	44.73%	41.83%	41.46%	43.59%	45.95%	43.72%	44.46%	46.86%
Operating Expenses to Revenue	51.56%	51.91%	57.71%	55.81%	52.84%	56.88%	60.54%	55.46%	58.75%	67.44%
Earnings before Interest and Taxes (EBIT)	9.71	11	3.93	11	11	11	12	10	4.00	8.97
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	11	12	4.84	12	12	11	12	11	4.78	9.80
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.54	1.84	1.63	1.38	1.66	2.01	1.54	1.69	1.77	1.69
Price to Tangible Book Value (P/TBV)	1.62	1.94	1.70	1.45	1.74	2.09	1.60	1.75	1.83	1.75
Price to Revenue (P/Rev)	2.51	2.83	2.54	2.04	2.35	3.27	2.52	2.85	3.22	2.91
Price to Earnings (P/E)	10.07	10.46	10.86	7.00	7.86	11.28	7.29	8.63	11.84	11.25
Dividend Yield	2.15%	1.84%	2.01%	2.45%	2.17%	1.56%	2.01%	1.74%	1.53%	1.70%
Earnings Yield	9.93%	9.56%	9.21%	14.28%	12.72%	8.86%	13.72%	11.59%	8.44%	8.89%
Enterprise Value to Invested Capital (EV/IC)	0.32	1.11	0.24	0.63	0.80	1.05	0.80	0.74	0.97	0.93
Enterprise Value to Revenue (EV/Rev)	0.62	3.55	1.01	2.11	2.51	4.31	2.16	1.80	3.22	2.84
Enterprise Value to EBITDA (EV/EBITDA)	1.74	9.48	3.09	5.35	6.23	10.86	4.63	4.03	8.65	8.08
Enterprise Value to EBIT (EV/EBIT)	1.99	10.56	3.48	5.84	6.75	11.82	4.95	4.31	9.37	8.80
Enterprise Value to NOPAT (EV/NOPAT)	2.48	13.12	4.31	7.25	8.41	14.90	6.24	5.45	11.87	10.99
Enterprise Value to Operating Cash Flow (EV/OCF)	1.78	10.49	2.70	5.64	7.16	9.87	5.75	4.92	9.06	8.86
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	1.33	1.69	0.00	2.58
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.16	1.09	0.13	1.26	1.22	1.54	0.64	0.45	0.84	0.77
Long-Term Debt to Equity	0.16	0.14	0.13	0.20	0.21	0.18	0.18	0.17	0.15	0.16
Financial Leverage	0.14	0.54	0.90	0.71	0.71	1.33	1.15	0.82	1.00	1.13
Leverage Ratio	14.34	13.80	15.13	16.62	17.19	15.73	15.47	15.27	14.74	14.24
Compound Leverage Factor	14.34	13.80	15.13	16.62	17.19	15.73	15.47	15.27	14.74	14.24
Debt to Total Capital	14.14%	52.22%	11.58%	55.66%	54.94%	60.57%	38.93%	30.94%	45.56%	43.54%
Short-Term Debt to Total Capital	0.00%	45.49%	0.00%	46.83%	45.71%	53.53%	28.24%	19.45%	37.22%	34.54%
Long-Term Debt to Total Capital	14.14%	6.73%	11.58%	8.82%	9.24%	7.04%	10.69%	11.50%	8.34%	9.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	85.86%	47.78%	88.42%	44.34%	45.06%	39.43%	61.07%	69.06%	54.44%	56.46%
Debt to EBITDA	0.76	4.48	0.63	4.69	4.27	6.28	2.24	1.70	4.08	3.77
Net Debt to EBITDA	-5.34	1.92	-4.70	0.19	0.41	2.64	-0.78	-2.35	0.02	-0.19
Long-Term Debt to EBITDA	0.76	0.58	0.63	0.74	0.72	0.73	0.62	0.63	0.75	0.78
Debt to NOPAT	1.08	6.20	0.87	6.36	5.77	8.62	3.03	2.30	5.60	5.13
Net Debt to NOPAT	-7.59	2.66	-6.55	0.25	0.55	3.62	-1.05	-3.18	0.02	-0.26
Long-Term Debt to NOPAT	1.08	0.80	0.87	1.01	0.97	1.00	0.83	0.85	1.03	1.06
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	52	-75	-217	-157	-152	-122	140	85	-32	98
Operating Cash Flow to CapEx	1,750.07%	1,811.75%	349.53%	1,567.28%	9,461.74%	3,328.90%	894.05%	8,586.11%	3,534.14%	1,819.57%
Free Cash Flow to Firm to Interest Expense	36.61	-26.69	-41.51	-21.99	-19.97	-12.97	14.79	10.16	-3.78	10.73
Operating Cash Flow to Interest Expense	8.95	2.59	1.56	1.32	1.43	1.70	0.24	1.10	1.21	1.41
Operating Cash Flow Less CapEx to Interest Expense	8.44	2.44	1.12	1.24	1.42	1.65	0.21	1.09	1.18	1.33
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	5.77	6.14	6.16	6.56	6.64	6.59	6.31	6.53	7.00	6.74
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	159	289	407	334	319	419	276	257	355	329
Invested Capital Turnover	0.46	0.36	0.32	0.40	0.43	0.29	0.30	0.35	0.32	0.29
Increase / (Decrease) in Invested Capital	-44	84	220	166	161	130	-131	-77	35	-91
Enterprise Value (EV)	52	320	96	212	256	439	222	189	342	306
Market Capitalization	209	255	242	205	239	333	259	299	342	314
Book Value per Share	$24.17	$24.48	$26.33	$26.26	$25.49	$29.27	$29.81	$31.38	$34.09	$32.70
Tangible Book Value per Share	$22.96	$23.28	$25.15	$25.09	$24.34	$28.12	$28.68	$30.26	$32.99	$31.61
Total Capital	159	289	168	334	319	419	276	257	355	329
Total Debt	22	151	19	186	176	254	108	80	162	143
Total Long-Term Debt	22	19	19	29	30	30	30	30	30	30
Net Debt	-158	65	-146	7.37	17	107	-37	-110	0.70	-7.24
Capital Expenditures (CapEx)	0.73	0.40	2.34	0.60	0.12	0.48	0.25	0.11	0.29	0.71
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	22	151	258	186	176	254	108	80	162	143
Total Depreciation and Amortization (D&A)	0.94	0.67	0.91	0.78	0.82	0.76	0.75	0.76	0.77	0.83
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.40	$1.60	$0.57	$1.61	$1.61	$0.36	$1.65	$1.46	$0.57	$0.32
Adjusted Weighted Average Basic Shares Outstanding	5.62M	5.62M	5.63M	5.63M	5.63M	22.52M	5.63M	5.64M	5.65M	22.61M
Adjusted Diluted Earnings per Share	$1.40	$1.60	$0.57	$1.61	$1.61	$0.36	$1.65	$1.46	$0.57	$0.32
Adjusted Weighted Average Diluted Shares Outstanding	5.62M	5.62M	5.63M	5.63M	5.63M	22.52M	5.63M	5.64M	5.65M	22.61M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.36	$0.00	$0.00	$0.00	$0.32
Adjusted Weighted Average Basic & Diluted Shares Outstanding	5.64M	5.64M	5.64M	5.65M	5.65M	11.31M	5.66M	5.66M	5.67M	22.72M
Normalized Net Operating Profit after Tax (NOPAT)	7.85	9.07	3.23	9.09	9.04	8.12	9.29	8.21	3.22	7.16
Normalized NOPAT Margin	32.25%	35.01%	13.29%	35.10%	35.14%	31.38%	36.74%	29.41%	11.85%	26.16%
Pre Tax Income Margin	39.88%	44.23%	16.15%	43.37%	43.91%	41.33%	45.94%	36.63%	14.75%	32.75%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.81	4.09	0.75	1.57	1.49	1.14	1.23	1.22	0.47	0.98
NOPAT to Interest Expense	5.51	3.24	0.62	1.27	1.19	0.86	0.98	0.98	0.38	0.78
EBIT Less CapEx to Interest Expense	6.30	3.95	0.30	1.49	1.47	1.09	1.20	1.21	0.44	0.91
NOPAT Less CapEx to Interest Expense	5.00	3.09	0.17	1.19	1.17	0.81	0.95	0.97	0.35	0.71
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	21.63%	19.16%	21.74%	17.15%	17.05%	17.61%	14.62%	15.00%	18.05%	19.10%
Augmented Payout Ratio	23.11%	20.43%	23.60%	18.57%	18.44%	19.13%	15.86%	16.27%	19.82%	20.96%

Frequently Asked Questions About Orange County Bancorp's Financials

When does Orange County Bancorp's financial year end?

According to the most recent income statement we have on file, Orange County Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Orange County Bancorp's net income changed over the last 2 years?

Orange County Bancorp's net income appears to be on an upward trend, with a most recent value of $27.88 million in 2024, rising from $24.36 million in 2022. The previous period was $29.48 million in 2023.

How has Orange County Bancorp revenue changed over the last 2 years?

Over the last 2 years, Orange County Bancorp's total revenue changed from $90.08 million in 2022 to $107.74 million in 2024, a change of 19.6%.

How much debt does Orange County Bancorp have?

Orange County Bancorp's total liabilities were at $2.32 billion at the end of 2024, a 0.2% increase from 2023, and a 8.2% increase since 2022.

How much cash does Orange County Bancorp have?

In the past 2 years, Orange County Bancorp's cash and equivalents has ranged from $86.08 million in 2022 to $150.33 million in 2024, and is currently $150.33 million as of their latest financial filing in 2024.

How has Orange County Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Orange County Bancorp's book value per share changed from 24.48 in 2022 to 32.70 in 2024, a change of 33.6%.

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This page (NASDAQ:OBT) was last updated on 4/18/2025 by MarketBeat.com Staff

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Orange County Bancorp (OBT) Financials

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Orange County Bancorp (OBT) Financials

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