Demonstrações financeiras detalhadas de Orange County Bancorp, Inc. (OBT): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Orange County Bancorp, Inc. registou receitas de $158.1M no último exercício, com um CAGR de 5 anos de 19.7%. O lucro líquido atingiu $41.6M, com CAGR de 5 anos de 28.9%.
Margens dos últimos 12 meses: margem bruta 79.0%, margem operacional 34.0%, margem líquida 31.5%. O fluxo de caixa livre cresceu a CAGR de 31.2% em 5 anos.
Ao preço atual de $38.25, OBT negocia a um P/L de 10.65 e um ROE de 16.44%. A capitalização de mercado é de $513M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $38.3M | $42.4M | $47.9M | $57.6M | $64.4M | $76.0M | $96.0M | $131.1M | $143.1M | $158.1M |
| Custo da Receita | $5.7M | $4.6M | $5.3M | $7.0M | $10.1M | $6.4M | $15.7M | $37.2M | $43.2M | $38.7M |
| Lucro Bruto | $32.6M | $37.7M | $42.6M | $50.5M | $54.3M | $69.6M | $80.4M | $93.8M | $99.9M | $119.5M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $18.2M | $19.6M | $21.1M | $23.2M | $25.1M | $26.4M | $32.2M | $36.7M | $40.3M | $43.1M |
| Despesas Operacionais | $28.2M | $31.2M | $33.4M | $36.1M | $39.8M | $42.9M | $50.1M | $56.7M | $65.1M | $67.9M |
| Lucro Operacional | $4.4M | $6.5M | $9.2M | $14.4M | $14.5M | $26.7M | $30.3M | $37.1M | $34.8M | $51.6M |
| EBITDA | $5.4M | $8.0M | $10.6M | $15.9M | $16.1M | $28.3M | $32.0M | $39.1M | $36.8M | $53.1M |
| Despesas com Juros | $3.9M | $2.9M | $2.8M | $4.8M | $4.7M | $4.0M | $6.1M | $29.4M | $35.5M | $30.9M |
| Lucro Antes de Impostos | $4.4M | $6.5M | $9.2M | $14.4M | $14.5M | $26.7M | $30.3M | $37.1M | $34.8M | $51.6M |
| Imposto | $721000 | $4.2M | $1.6M | $2.9M | $2.8M | $5.4M | $5.9M | $7.7M | $6.9M | $9.9M |
| Lucro Líquido | $3.6M | $2.4M | $7.6M | $11.5M | $11.7M | $21.3M | $24.4M | $29.5M | $27.9M | $41.6M |
| LPA | $0.93 | $0.30 | $0.94 | $1.28 | $1.30 | $2.14 | $2.17 | $2.62 | $2.47 | $3.33 |
| LPA Diluído | $0.93 | $0.30 | $0.94 | $1.28 | $1.30 | $2.14 | $2.17 | $2.62 | $2.47 | $3.33 |
| Ações em Circulação (Diluídas) | $3.9M | $7.8M | $8.1M | $9.0M | $9.0M | $9.9M | $11.2M | $11.3M | $11.3M | $12.5M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $27.3M | $30.2M | $18.4M | $25.1M | $121.2M | $306.2M | $86.1M | $147.4M | $150.3M | $204.2M |
| Investimentos de Curto Prazo | $279.3M | $297.7M | $255.5M | $254.9M | $330.1M | $464.8M | $533.5M | $489.9M | $443.8M | $158.3M |
| Contas a Receber | $2.6M | $2.8M | $3.0M | $3.2M | $6.3M | $6.6M | $6.3M | $5.9M | $6.7M | $10.4M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $309.2M | $330.7M | $276.9M | $283.2M | $457.6M | $777.6M | $625.9M | $643.3M | $600.8M | $373.0M |
| Imobilizado | $14.3M | $13.7M | $13.9M | $14.6M | $14.0M | $14.6M | $18.8M | $16.2M | $15.8M | $15.5M |
| Ágio | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M |
| Ativos Intangíveis | $3.1M | $2.8M | $2.5M | $2.2M | $2.0M | $1.7M | $1.4M | $1.1M | $821000 | $535000 |
| Ativos Totais | $909.7M | $960.7M | $1.06B | $1.23B | $1.66B | $2.14B | $2.29B | $2.49B | $2.51B | $2.66B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $25.0M | 0 | 0 | 0 | 0 | 0 | $131.5M | $224.5M | $113.5M | 0 |
| Passivos Circulantes | $754.2M | $822.6M | $917.8M | $1.10B | $1.51B | $1.94B | $2.13B | $2.26B | $2.27B | $2.31B |
| Dívida de Longo Prazo | $63.2M | $23.1M | $38.6M | $8.0M | $22.3M | $22.4M | $19.4M | $29.5M | $29.6M | $34.6M |
| Passivos Totais | $817.3M | $869.4M | $956.3M | $1.11B | $1.53B | $1.96B | $2.15B | $2.32B | $2.32B | $2.38B |
| Reservas | $26.6M | $26.7M | $31.0M | $39.6M | $47.7M | $64.9M | $84.6M | $107.4M | $129.9M | $164.4M |
| Patrimônio Líquido | $92.4M | $91.3M | $108.5M | $122.1M | $135.4M | $182.8M | $138.1M | $165.4M | $185.5M | $284.4M |
| Dívida Total | $88.2M | $23.1M | $38.6M | $8.0M | $22.3M | $22.4M | $150.9M | $254.0M | $143.1M | $34.6M |
| Dívida Líquida | -$218.5M | -$304.8M | -$235.4M | -$272.0M | -$429.0M | -$748.6M | -$468.6M | -$383.3M | -$451.0M | -$328.0M |
| Capital de Giro | -$445.0M | -$491.9M | -$640.9M | -$816.3M | -$1.05B | -$1.16B | -$1.50B | -$1.62B | -$1.67B | -$1.94B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $3.6M | $2.4M | $7.6M | $11.5M | $11.7M | $21.3M | $24.4M | $29.5M | $27.9M | $41.6M |
| Depreciação e Amortização | $1.0M | $1.5M | $1.4M | $1.5M | $1.6M | $1.7M | $1.7M | $2.0M | $1.9M | $1.8M |
| Compensação em Ações | $150000 | $191000 | $228000 | $490000 | $567000 | $544000 | $669000 | $871000 | $1.8M | $1.1M |
| Variação Capital de Giro | $2.7M | -$2.3M | -$865000 | -$2.0M | -$5.6M | -$910000 | -$2.0M | $7.0M | -$2.9M | -$2.5M |
| Fluxo de Caixa Operacional | $9.4M | $8.4M | $12.0M | $13.7M | $11.3M | $20.3M | $30.5M | $44.5M | $34.6M | $43.8M |
| CapEx | -$504000 | -$1.6M | -$1.4M | -$1.9M | -$692000 | -$2.0M | -$1.5M | -$3.5M | -$1.7M | -$2.5M |
| Aquisições | 0 | 0 | $375000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$37000 | -$54000 | -$186000 | -$467000 | -$1.2M | -$379000 | -$308000 | -$447000 | -$518000 | -$158000 |
| Dividendos Pagos | -$3.2M | -$3.2M | -$3.3M | -$3.6M | -$3.6M | -$4.0M | -$4.7M | -$5.2M | -$5.3M | -$7.1M |
| Fluxo de Caixa Livre | $8.9M | $6.9M | $10.5M | $11.9M | $10.7M | $18.4M | $28.9M | $41.0M | $32.9M | $41.3M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +10.6% | +13.0% | +20.2% | +11.9% | +18.0% | +26.3% | +36.5% | +9.2% | +10.5% | |
| Crescimento Lucro Líquido (anual) | -35.4% | +221.2% | +52.0% | +1.7% | +82.3% | +14.5% | +21.0% | -5.4% | +49.2% | |
| Crescimento LPA (anual) | -67.7% | +213.3% | +36.2% | +1.6% | +64.6% | +1.4% | +20.7% | -5.7% | +34.8% | |
| Variação de Ações (anual) | +100.0% | +3.1% | +11.1% | +0.5% | +10.2% | +13.1% | +0.1% | +0.4% | +10.7% | |
| Crescimento FCF (anual) | -22.9% | +53.6% | +12.8% | -10.3% | +72.4% | +57.6% | +41.6% | -19.8% | +25.7% | |
| Margem Bruta | 85.1% | 89.0% | 89.0% | 87.8% | 84.3% | 91.6% | 83.7% | 71.6% | 69.8% | 75.5% |
| Margem Operacional | 11.4% | 15.4% | 19.2% | 25.0% | 22.5% | 35.1% | 31.5% | 28.3% | 24.3% | 32.6% |
| Margem EBITDA | 14.0% | 18.8% | 22.1% | 27.6% | 25.0% | 37.3% | 33.3% | 29.8% | 25.7% | 33.6% |
| Margem Líquida | 9.5% | 5.5% | 15.8% | 19.9% | 18.1% | 28.0% | 25.4% | 22.5% | 19.5% | 26.3% |
| Margem FCF | 23.2% | 16.2% | 22.0% | 20.6% | 16.5% | 24.2% | 30.1% | 31.3% | 23.0% | 26.1% |
| Taxa Efetiva de Imposto | 16.5% | 63.8% | 17.7% | 20.3% | 19.6% | 20.2% | 19.5% | 20.6% | 19.9% | 19.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $2.27 | $0.88 | $1.31 | $1.32 | $1.18 | $1.85 | $2.57 | $3.64 | $2.91 | $3.30 |
| Dividendo por Ação | $0.82 | $0.41 | $0.40 | $0.40 | $0.40 | $0.41 | $0.42 | $0.46 | $0.47 | $0.57 |
| Ações em Circulação (Básicas) | $3.9M | $7.8M | $8.1M | $9.0M | $9.0M | $9.9M | $11.2M | $11.3M | $11.3M | $12.5M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 16.44% |
| Retorno sobre capital investido | 12.45% |
| Retorno sobre ativos | 1.69% |
| Margem bruta | 79.01% |
| Margem operacional | 34.01% |
| Margem líquida | 31.45% |
Saúde financeira
| Dívida / Patrimônio | 0.11 |
| Liquidez corrente | 0.31 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 12.51 | 46.70 | 14.36 | 11.48 | 10.48 | 9.39 | 10.73 | 11.50 | 11.25 | 8.57 |
| P/VP | 0.49 | 1.20 | 1.00 | 1.08 | 0.91 | 1.09 | 1.90 | 2.05 | 1.69 | 1.26 |
| P/V | 1.19 | 2.59 | 2.28 | 2.29 | 1.91 | 2.63 | 2.73 | 2.59 | 2.20 | 2.26 |
| Margem Bruta | 85.1% | 89.0% | 89.0% | 87.8% | 84.3% | 91.6% | 83.7% | 71.6% | 69.8% | 75.5% |
| Margem Operacional | 11.4% | 15.4% | 19.2% | 25.0% | 22.5% | 35.1% | 31.5% | 28.3% | 24.3% | 32.6% |
| Margem Líquida | 9.5% | 5.5% | 15.8% | 19.9% | 18.1% | 28.0% | 25.4% | 22.5% | 19.5% | 26.3% |
Empresas relacionadas: BWFG · FMAO · GCBC · MSBI · MVBF · PBFS · PCB
Explorar setor: Financial Services · Banks - Regional
Mais seções de OBT: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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