Valuation dashboard for Orange County Bancorp, Inc. (OBT) with P/E 10.65, P/B 1.65, EV/EBITDA 4.08 and dividend yield 1.90%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit.
Analysis Summary
Orange County Bancorp, Inc. reported revenue of $158.1M in the most recent fiscal year, growing at a 5-year CAGR of 19.7%. Net income reached $41.6M, with a 28.9% 5-year CAGR.
Trailing-twelve-month margins: gross margin 79.0%, operating margin 34.0%, net margin 31.5%.
At the current price of $38.25, OBT trades at a P/E of 10.65 and an ROE of 16.44%. Market capitalisation stands at $513M.
Balance sheet quality for OBT: current ratio of 0.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 10.65 |
| Price / Book | 1.65 |
| EV / EBITDA | 4.08 |
| Dividend Yield | 1.90% |
Valuation Models
| DCF Fair Value | $49.96 |
| vs Current Price | +30.6% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| OBT | Orange County Bancorp, Inc. | $513M | 10.65 | 1.65 | 16.4% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price
| Price | $38.25 |
| Market Cap | $513M |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 16.44% |
| Return on Invested Capital | 12.45% |
| Return on Assets | 1.69% |
| Gross Margin | 79.01% |
| Operating Margin | 34.01% |
| Net Margin | 31.45% |
Related companies: BWFG · FMAO · GCBC · MSBI · MVBF · PBFS · PCB
Explore sector: Financial Services · Banks - Regional
More sections of OBT: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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