OBT - NASDAQ
Orange County Bancorp, Inc.
$33.42
-2.7%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 affluent individuals. It accepts various deposit products, 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 14 full-service branches and one 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.
At a Glance
Live SnapshotOrange County Bancorp, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
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DCF Valuation Summary
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $55.1M | $69.3M | $87.2M | $109.6M | $137.8M | $173.3M | $217.9M | $273.9M | $344.4M | $433.0M |
| Maintenance CapEx | -$632.7K | -$795.5K | -$1.0M | -$1.3M | -$1.6M | -$2.0M | -$2.5M | -$3.1M | -$4.0M | -$5.0M |
| Owner Earnings | $54.5M | $68.5M | $86.2M | $108.3M | $136.2M | $171.3M | $215.4M | $270.8M | $340.5M | $428.1M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $50.5M | $58.8M | $68.4M | $79.6M | $92.7M | $107.9M | $125.7M | $146.3M | $170.3M | $198.3M |
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