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Orange County Bancorp, Inc. /DE/

OBT

$38.61 ▲ +0.09 (+0.23%) at close

7 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Orange County Bancorp, Inc. /DE/ shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $483.0M

Dividend Yield 1.48%

Revenue Growth 18.1% ↗

Op. Margin 40.5% ↗

ROIC None

FCF / Share None

Trailing P/E 11.6x

Price / Book 1.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$127.20M

↑ +18.1% —

Net Income Profit after all expenses

$41.61M

↑ +49.2% —

Operating Margin Operating profit as % of sales

40.5%

↑ +25.4% 94th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.57 Latest / share

+21.3% YoY

-6.6% 6-yr CAGR

FY 2019

$0.80

FY 2020

$0.80

FY 2021

$0.83

FY 2022

$0.92

FY 2023

$0.47

FY 2024

$0.57

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	18.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+201%)	5.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	13.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+117%)	24.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+302%)	20.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	—	—
EPS Growth YoY (%)	34.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-52.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	21.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	1.2% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	65.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	49.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.4% Weak ↓ Weak Declining Year-over-year change in net income	21.0% Good ↓ Good Declining Year-over-year change in net income	14.5% Fair Fair Year-over-year change in net income	82.3% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	12.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.1% Good Good Compound annual revenue growth over 3 years	19.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	16.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-8.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-16.7% Weak Weak Compound annual EPS growth over 3 years	26.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	40.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	32.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	36.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	33.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	36.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	24.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
Effective Tax Rate (%) (%)	19.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	32.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	25.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	29.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	27.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	29.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	19.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	14.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	15.0% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	17.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	17.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+47%)	11.6% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$10.17	$9.53	$18.09	$16.02	$14.60	$13.34	—
Basic EPS, GAAP (USD)	$3.33	$2.47	$5.24	$4.33	$4.28	$2.59	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.57	$0.47	$0.92	$0.83	$0.80	$0.80	—
Book Value per Share (USD)	$21.27	$16.35	$29.26	$24.48	$32.43	$30.21	—
Tangible Book Value per Share (USD)	$20.83	$15.80	$28.12	$23.28	$31.18	$28.57	—
Basic Weighted Avg Shares (shares)	12.51M	11.30M	5.63M	5.62M	4.97M	4.51M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$284.36M	$185.53M	$165.38M	$138.14M	$182.84M	$135.42M	$122.06M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$127.20M	$107.74M	$101.81M	$90.08M	$72.56M	$60.16M	—
Depreciation Expense (USD)	$1.54M	$1.66M	$1.68M	$1.41M	$1.38M	$1.27M	—
Net Income, GAAP (USD)	$41.61M	$27.88M	$29.48M	$24.36M	$21.29M	$11.68M	—
Operating Cash Flow (USD)	$43.85M	$34.60M	$44.50M	$30.48M	$20.32M	$11.34M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.9%	3.7%	3.6%	3.4%	2.8%	2.9%	—
Efficiency Ratio (%) (%)	53.4%	60.5%	55.8%	55.8%	59.9%	66.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 26 quarters

Orange County Bancorp, Inc. /DE/

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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