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Orange County Bancorp Inc

Financial Services US OBT

34.06USD
0.64(1.92%)

Last update at 2026-06-04T20:00:00Z

Day Range

33.1334.70
LowHigh

52 Week Range

30.8863.69
LowHigh

Fundamentals

  • Previous Close 33.42
  • Market Cap277.89M
  • Volume96639
  • P/E Ratio7.77
  • Dividend Yield1.92%
  • Revenue TTM102.92M
  • Revenue Per Share TTM18.27
  • Gross Profit TTM 80.57M
  • Diluted EPS TTM6.32

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 30.28M 26.68M 14.52M 13.92M 9.18M
Minority interest - - - - -
Net income 24.36M 21.29M 11.68M 11.10M 7.55M
Selling general administrative 30.61M 25.21M 23.95M 22.67M 20.10M
Selling and marketing expenses 1.60M 1.22M 1.19M 1.18M 0.99M
Gross profit 89.87M 72.03M 59.71M 52.89M 45.09M
Reconciled depreciation 0.29M 0.29M 1.56M 1.48M 1.40M
Ebit 36.41M 26.68M 14.52M 13.92M 11.97M
Ebitda 36.70M 26.96M 16.08M 15.40M 13.37M
Depreciation and amortization 0.29M 0.29M 1.56M 1.48M 1.40M
Non operating income net other - - - - -
Operating income 36.41M 26.68M 14.52M 13.92M 11.97M
Other operating expenses 4.07M 45.35M 45.19M 38.97M 33.12M
Interest expense 6.13M 3.97M 4.72M 4.84M 2.79M
Tax provision 5.91M 5.39M 2.84M 2.83M 1.63M
Interest income 84.22M 64.43M 53.46M 48.30M 38.70M
Net interest income 78.09M 60.46M 48.74M 43.45M 35.91M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5.91M 5.39M 2.84M 2.83M 1.63M
Total revenue 89.87M 72.03M 59.71M 52.89M 45.09M
Total operating expenses 4.07M -45.35300M -45.18900M -38.96800M -33.12200M
Cost of revenue - - - - -
Total other income expense net -6.13500M -3.96800M -4.72200M -4.84000M -2.78700M
Discontinued operations - - - - -
Net income from continuing ops 24.36M 21.29M 11.68M 11.10M 7.55M
Net income applicable to common shares 24.36M 21.29M 11.68M 11.48M 7.55M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 2485.47M 2287.33M 2142.58M 1664.94M 1228.43M
Intangible assets 1.11M 1.39M 1.68M 1.96M 2.25M
Earning assets - - - - -
Other current assets 153.32M -533.46100M 878.53M 855.86M 668.08M
Total liab 2320.09M 2149.20M 22.38M 22.32M 8.00M
Total stockholder equity 165.38M 138.14M 182.84M 135.42M 120.94M
Deferred long term liab - - - - -
Other current liab 1799.72M -131.50000M - - -
Common stock 2.84M 2.84M 2.84M 2.27M 2.27M
Capital stock 2.84M 2.84M 2.84M 2.27M 2.27M
Retained earnings 107.36M 84.64M 64.94M 47.68M 38.47M
Other liab - - 1.25M 0.64M 0.72M
Good will 5.36M 5.36M 5.36M 5.36M 5.36M
Other assets - 1106.52M 878.53M 855.86M 668.08M
Cash 147.38M 86.08M 306.18M 121.23M 25.11M
Cash and equivalents - - - - -
Total current liabilities 2025.05M 131.50M 1937.37M 1505.37M 1102.40M
Current deferred revenue - - - - -
Net debt 109.86M 196.37M -283.80300M -98.90900M -17.11200M
Short term debt 225.32M 131.50M - - -
Short long term debt 224.50M 131.50M - - -
Short long term debt total 257.24M 282.45M 22.38M 22.32M 8.00M
Other stockholder equity 119.28M 118.86M 118.50M 83.66M 84.25M
Property plant equipment - 14.74M 14.60M 15.83M 15.97M
Total current assets 153.32M 625.86M 777.62M 457.63M 283.23M
Long term investments 489.95M 533.46M 464.80M 330.11M 254.91M
Net tangible assets - 131.39M 175.80M 128.10M 114.45M
Short term investments 489.95M 533.46M 464.80M 330.11M 254.91M
Net receivables 5.93M 6.32M 6.64M 6.29M 3.20M
Long term debt 29.52M 150.95M 22.38M 22.32M 8.00M
Inventory 141.45M - - - -
Accounts payable - 23.86M 1914.38M 1489.29M 1083.13M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -64.10800M -68.19600M -3.44300M 1.82M -4.04400M
Additional paid in capital - - - - -
Common stock total equity - 2.84M - - -
Preferred stock total equity - - - - -
Retained earnings total equity - 84.64M - - -
Treasury stock - -1.25000M - - -
Accumulated amortization - - - - -
Non currrent assets other 2272.94M -554.95100M -486.43500M -351.44400M -277.12200M
Deferred long term asset charges - - - - -
Non current assets total 2332.15M 554.95M 486.44M 351.44M 277.12M
Capital lease obligations - - - - -
Long term debt total - 19.45M - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -215.21300M -291.30700M -71.00600M 3.73M 35.85M
Change to liabilities 0.86M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities -434.10700M -291.30700M -330.96000M -150.50800M -133.01300M
Net borrowings 57.00M - 14.32M -30.55700M 15.44M
Total cash from financing activities 183.53M 455.93M 415.74M 143.51M 109.20M
Change to operating activities - -0.56100M -2.50200M -1.80100M -0.65500M
Net income 24.36M 21.29M 11.68M 11.10M 7.55M
Change in cash -220.09800M 184.95M 96.12M 6.74M -11.84600M
Begin period cash flow 306.18M 121.23M 25.11M 18.37M 30.22M
End period cash flow 86.08M 306.18M 121.23M 25.11M 18.37M
Total cash from operating activities 30.48M 20.32M 11.34M 13.73M 11.96M
Issuance of capital stock 0.00000M 35.25M - - 16.43M
Depreciation 1.69M 1.66M 1.56M 1.48M 1.40M
Other cashflows from investing activities -217.34900M -10.96800M 0.03M 1.05M -0.70500M
Dividends paid 4.67M 4.03M 3.58M 3.59M 3.26M
Change to inventory - - - - -
Change to account receivables 0.32M -0.34900M -3.09300M -0.19400M -0.21000M
Sale purchase of stock -0.30800M -0.37900M -1.16400M -0.46700M -0.18600M
Other cashflows from financing activities 186.75M 425.09M 425.49M 178.12M 96.28M
Change to netincome 9.24M -1.78600M 3.70M 2.77M 3.88M
Capital expenditures 1.54M 1.96M 0.69M 1.85M 1.43M
Change receivables - - - - -
Cash flows other operating -7.40900M - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes -220.09800M - - - -
Change in working capital -1.99000M -0.91000M -5.59500M -3.02300M -0.86500M
Stock based compensation 0.67M 0.54M 0.57M 0.46M 0.23M
Other non cash items 6.71M -1.85800M 3.39M 3.19M 3.84M
Free cash flow 28.94M 18.36M 10.65M 11.88M 10.53M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
OBT
Orange County Bancorp Inc		 0.64 1.92% 34.06 7.77 - 2.73 1.56 3.38
HDB
HDFC Bank Limited ADR		 0.48 2.04% 24.03 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and individuals. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services. The company operates full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

Orange County Bancorp Inc

212 Dolson Avenue, Middletown, NY, United States, 10940

Key Executives

Name Title Year Born
Mr. Michael J. Gilfeather Pres, CEO & Director 1958
Mr. Robert L. Peacock Sr. Exec. VP & CFO 1957
Mr. Joseph A. Ruhl Exec. VP & Regional Pres of Westchester 1965
Ms. Elizabeth Jones Sr. VP & COO 1979
Mr. Michael Lesler Sr. VP, Controller & Chief Accounting Officer 1971
Ms. Jennifer Staub VP, Sr. Compliance Officer & Corp. Sec. NA
Ms. Pamela A. Jones Sr. VP & Director of HR NA
Mr. Gregory Sousa Exec. VP & Chief Commercial Banking Officer 1979
Mr. Anthony Mormile Sr. VP & Sr. Commercial Loan Officer NA
Mr. Michael Listner Sr. VP & Chief Credit Officer 1978

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