Financial Services - Banks - Regional - NASDAQ - US
$ 59.2
-3.27 %
$ 335 M
Market Cap
11.56
P/E
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.[ Read More ]
The intrinsic value of one OBT stock under the base case scenario is HIDDEN Compared to the current market price of 59.2 USD, Orange County Bancorp, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart OBT
FINANCIALS
93.9 M
REVENUE
37.1 M
OPERATING INCOME
29.5 M
NET INCOME
44.5 M
OPERATING CASH FLOW
-145 M
INVESTING CASH FLOW
162 M
FINANCING CASH FLOW
31.4 M
REVENUE
4 M
OPERATING INCOME
3.22 M
NET INCOME
10.2 M
OPERATING CASH FLOW
-60.3 M
INVESTING CASH FLOW
21.2 M
FINANCING CASH FLOW
Balance Sheet Decomposition
Orange County Bancorp, Inc.
| Current Assets | 147 M |
| Cash & Short-Term Investments | 147 M |
| Receivables | 5.93 M |
| Other Current Assets | -5.93 M |
| Non-Current Assets | 2.33 B |
| Long-Term Investments | 490 M |
| PP&E | 19.4 M |
| Other Non-Current Assets | 1.82 B |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 224 M |
| Other Current Liabilities | -224 M |
| Non-Current Liabilities | 2.32 B |
| Long-Term Debt | 29.5 M |
| Other Non-Current Liabilities | 2.29 B |
EFFICIENCY
Earnings Waterfall
Orange County Bancorp, Inc.
| Revenue | 93.9 M |
| Cost Of Revenue | 0 |
| Gross Profit | 93.9 M |
| Operating Expenses | 50.7 M |
| Operating Income | 37.1 M |
| Other Expenses | 7.67 M |
| Net Income | 29.5 M |
RATIOS
100.00%
GROSS MARGIN
39.54%
OPERATING MARGIN
31.38%
NET MARGIN
17.82%
ROE
1.19%
ROA
7.03%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Orange County Bancorp, Inc.
| Net Income | 29.5 M |
| Depreciation & Amortization | 1.97 M |
| Capital Expenditures | -3.54 M |
| Stock-Based Compensation | 871 K |
| Change in Working Capital | 7.01 M |
| Others | 11.7 M |
| Free Cash Flow | 41 M |
Wall Street Analysts Price Targets
Orange County Bancorp, Inc.
OBT has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.38%
DIVIDEND YIELD
0.23 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Orange County Bancorp, Inc.
Sold
0-3 MONTHS
80.9 K USD 3
3-6 MONTHS
0 USD 0
6-9 MONTHS
108 K USD 3
9-12 MONTHS
129 K USD 3
Bought
29.2 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
1 week ago
Nov 06, 2024
|
Sell 22.1 K USD
|
Listner Michael
SVP and Chief Risk Officer |
- 375
|
59 USD |
|
1 week ago
Nov 06, 2024
|
Sell 12.9 K USD
|
Listner Michael
SVP and Chief Risk Officer |
- 214
|
60.1 USD |
|
1 week ago
Nov 05, 2024
|
Sell 23.4 K USD
|
Sousa Gregory
EVP and Deputy CLO |
- 426
|
55 USD |
|
1 week ago
Nov 04, 2024
|
Sell 22.5 K USD
|
Coulter Michael J
EVP and CLO |
- 426
|
52.83 USD |
|
2 weeks ago
Nov 01, 2024
|
Bought 22.3 K USD
|
Gilfeather Michael J
President and CEO |
+ 400
|
55.67 USD |
|
2 weeks ago
Nov 01, 2024
|
Bought 6.96 K USD
|
Gilfeather Michael J
President and CEO |
+ 125
|
55.67 USD |
|
6 months ago
May 15, 2024
|
Sell 10.4 K USD
|
Sousa Gregory
EVP and Deputy CLO |
- 210
|
49.5 USD |
|
6 months ago
May 15, 2024
|
Sell 21 K USD
|
Sousa Gregory
EVP and Deputy CLO |
- 429
|
49 USD |
|
6 months ago
May 13, 2024
|
Sell 757 USD
|
Sousa Gregory
EVP and Deputy CLO |
- 15
|
50.49 USD |
|
6 months ago
May 13, 2024
|
Sell 5 K USD
|
Sousa Gregory
EVP and Deputy CLO |
- 100
|
50.02 USD |
|
6 months ago
May 13, 2024
|
Sell 5.25 K USD
|
Sousa Gregory
EVP and Deputy CLO |
- 106
|
49.5 USD |
|
6 months ago
May 14, 2024
|
Sell 594 USD
|
Sousa Gregory
EVP and Deputy CLO |
- 12
|
49.5 USD |
|
6 months ago
May 06, 2024
|
Sell 51.8 K USD
|
Coulter Michael J
EVP and CLO |
- 1000
|
51.84 USD |
|
6 months ago
May 03, 2024
|
Sell 13.2 K USD
|
Listner Michael
SVP and CCO |
- 264
|
50 USD |
|
11 months ago
Dec 18, 2023
|
Sell 35.9 K USD
|
Rooney Stephen
SVP, Chief Credit Officer |
- 640
|
56.06 USD |
|
11 months ago
Dec 15, 2023
|
Sell 84 K USD
|
Coulter Michael J
EVP and CLO |
- 1500
|
56 USD |
|
1 year ago
Nov 14, 2023
|
Sell 9.37 K USD
|
Listner Michael
SVP and CCO |
- 213
|
44 USD |
|
1 year ago
Nov 07, 2023
|
Sell 53.2 K USD
|
Coulter Michael J
EVP and CLO |
- 1195
|
44.5 USD |
|
1 year ago
Nov 03, 2023
|
Sell 13.6 K USD
|
Coulter Michael J
EVP and CLO |
- 305
|
44.75 USD |
|
1 year ago
Nov 02, 2023
|
Sell 443 USD
|
Sousa Gregory
EVP and CCBO |
- 10
|
44.26 USD |
|
1 year ago
Nov 02, 2023
|
Sell 8.83 K USD
|
Sousa Gregory
EVP and CCBO |
- 200
|
44.16 USD |
|
1 year ago
Nov 02, 2023
|
Sell 40.7 K USD
|
Sousa Gregory
EVP and CCBO |
- 925
|
44 USD |
|
1 year ago
Sep 18, 2023
|
Bought 16.4 K USD
|
Gilfeather Michael J
President and CEO |
+ 350
|
46.8381 USD |
|
1 year ago
Sep 18, 2023
|
Bought 4.69 K USD
|
Gilfeather Michael J
President and CEO |
+ 100
|
46.8778 USD |
|
1 year ago
Aug 07, 2023
|
Sell 38.3 K USD
|
Coulter Michael J
EVP and CLO |
- 784
|
48.85 USD |
|
1 year ago
Jul 31, 2023
|
Sell 140 USD
|
Listner Michael
SVP and CCO |
- 3
|
46.5 USD |
|
1 year ago
Jul 31, 2023
|
Sell 17.2 K USD
|
Listner Michael
SVP and CCO |
- 372
|
46.25 USD |
|
1 year ago
Jul 31, 2023
|
Sell 46.5 USD
|
Listner Michael
SVP and CCO |
- 1
|
46.53 USD |
|
1 year ago
Jul 28, 2023
|
Sell 46.1 K USD
|
Coulter Michael J
EVP and CLO |
- 1000
|
46.09 USD |
|
1 year ago
Jul 28, 2023
|
Sell 44 K USD
|
Coulter Michael J
EVP and CLO |
- 1000
|
44.02 USD |
|
1 year ago
May 25, 2023
|
Bought 33.5 K USD
|
Heimbach Louis
Director |
+ 1051
|
31.85 USD |
|
1 year ago
May 03, 2023
|
Bought 25.9 K USD
|
Keane Kevin J
Director |
+ 800
|
32.36 USD |
|
1 year ago
May 03, 2023
|
Bought 13.4 K USD
|
Keane Kevin J
Director |
+ 416
|
32.29 USD |
|
1 year ago
Dec 19, 2022
|
Bought 9.42 K USD
|
Gilfeather Michael J
President and CEO |
+ 200
|
47.1 USD |
|
1 year ago
Dec 19, 2022
|
Bought 4.71 K USD
|
Gilfeather Michael J
President and CEO |
+ 100
|
47.1 USD |
|
1 year ago
Nov 22, 2022
|
Sell 4.67 K USD
|
Listner Michael
SVP and CCO |
- 100
|
46.68 USD |
|
1 year ago
Nov 22, 2022
|
Sell 9.32 K USD
|
Listner Michael
SVP and CCO |
- 200
|
46.62 USD |
|
1 year ago
Nov 22, 2022
|
Sell 21.3 K USD
|
Listner Michael
SVP and CCO |
- 457
|
46.52 USD |
|
1 year ago
Nov 21, 2022
|
Sell 69.8 K USD
|
Coulter Michael J
EVP and CLO |
- 1500
|
46.5 USD |
|
2 years ago
Nov 08, 2022
|
Sell 19.6 K USD
|
Sousa Gregory
EVP and CCBO |
- 427
|
45.85 USD |
|
2 years ago
Nov 07, 2022
|
Sell 18.2 K USD
|
Peacock Robert L
SEVP and CFO |
- 400
|
45.59 USD |
|
2 years ago
Nov 07, 2022
|
Sell 1.83 K USD
|
Peacock Robert L
SEVP and CFO |
- 40
|
45.63 USD |
|
2 years ago
Nov 07, 2022
|
Sell 9.15 K USD
|
Peacock Robert L
SEVP and CFO |
- 200
|
45.75 USD |
|
2 years ago
Aug 03, 2022
|
Bought 8.19 K USD
|
Gilfeather Michael J
President and CEO |
+ 250
|
32.75 USD |
|
2 years ago
Jun 16, 2022
|
Bought 35 K USD
|
Morrison William D
director: |
+ 952
|
36.76 USD |
|
2 years ago
May 09, 2022
|
Sell 52.9 K USD
|
Sousa Gregory
EVP and CCBO |
- 1429
|
37.0217 USD |
|
2 years ago
May 02, 2022
|
Bought 75 USD
|
Peacock Robert L
SEVP and CFO |
+ 2
|
37.5 USD |
|
2 years ago
Apr 29, 2022
|
Bought 7.89 K USD
|
Gilfeather Michael J
President and CEO |
+ 200
|
39.45 USD |
|
2 years ago
Mar 07, 2022
|
Bought 40.8 K USD
|
Lesler Michael
SVP, Chief Accounting Officer |
+ 996
|
41 USD |
|
3 years ago
Aug 05, 2021
|
Bought 16.8 K USD
|
Saturno Terry R
Director |
+ 500
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 16.8 K USD
|
Rizzo Virginia K
Director |
+ 500
|
33.5 USD |
|
3 years ago
Aug 18, 2021
|
Bought 6.9 K USD
|
SKUTHAN FRANK
SVP, Dir Trust Services |
+ 200
|
34.49 USD |
|
3 years ago
Aug 05, 2021
|
Bought 67 K USD
|
Heimbach Louis
Director |
+ 2000
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 10.4 K USD
|
Listner Michael
SVP and CCO |
+ 310
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 6.7 K USD
|
Metzger Susan G
Director |
+ 200
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 33.5 K USD
|
SKUTHAN FRANK
SVP, Dir. Trust Services |
+ 1000
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 50.2 K USD
|
Gilfeather Michael J
President and CEO |
+ 1500
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 3.35 K USD
|
Morrison William D
Director |
+ 100
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 33.5 K USD
|
Peacock Robert L
SEVP and CFO |
+ 1000
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 33.5 K USD
|
Rizzo Virginia K
Director |
+ 1000
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 25.1 K USD
|
Rouis Jonathan F
Director |
+ 750
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 16.8 K USD
|
Coulter Michael J
EVP and CLO |
+ 500
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 370 K USD
|
HOLCOMBE GREGORY F
Director |
+ 11040
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 250 K USD
|
HOLCOMBE GREGORY F
Director |
+ 7460
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 385 K USD
|
Rowley Richard B
Director |
+ 11500
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 33.5 K USD
|
Saturno Terry R
Director |
+ 1000
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 16.8 K USD
|
Scacco Gustave J
Director |
+ 500
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 5.02 K USD
|
Ruhl Joseph A
Reg Pres, Westchester County |
+ 150
|
33.5 USD |
|
3 years ago
Aug 05, 2021
|
Bought 5.02 K USD
|
Sousa Gregory
EVP and CCBO |
+ 150
|
33.5 USD |
7. News
Orange County Bancorp, Inc. (OBT) Q3 Earnings Lag Estimates
Orange County Bancorp, Inc. (OBT) came out with quarterly earnings of $0.57 per share, missing the Zacks Consensus Estimate of $1.43 per share. This compares to earnings of $1.61 per share a year ago.
zacks.com
- 2 weeks ago
Orange County Bancorp, Inc. Announces Third Quarter 2024 results:
MIDDLETOWN, N.Y., Oct. 30, 2024 (GLOBE NEWSWIRE) -- Orange County Bancorp, Inc. (the “Company” - Nasdaq: OBT), parent company of Orange Bank & Trust Co. (the “Bank”) and Hudson Valley Investment Advisors, Inc. (“HVIA”), today announced net income of $3.2 million, or $0.57 per basic and diluted share, for the three months ended September 30, 2024. This compares with net income of $9.0 million, or $1.61 per basic and diluted share, for the three months ended September 30, 2023. The decrease in earnings per share, basic and diluted, was due primarily to increases in the provision for credit losses and non-interest expense offset by increases in net interest income and non-interest income during the current period. For the nine months ended September 30, 2024, net income was $20.7 million, or $3.67 per basic and diluted share, as compared to $21.4 million, or $3.79 per basic and diluted share, for the nine months ended September 30, 2023.
globenewswire.com
- 2 weeks ago
Orange County Bancorp, Inc. Announces the Appointment of Jon Schiller to the Board of Directors
MIDDLETOWN, NY / ACCESSWIRE / September 25, 2024 / Orange County Bancorp, Inc. (the "Company") (NASDAQ:OBT), parent company of Orange Bank & Trust Co. (the "Bank") announced today the appointment of Jonathan Schiller, RPh, MBA, to the Company's and the Bank's Boards of Directors effective October 1, 2024. "Jon is a proven business leader and entrepreneur with a unique background comprised of scientific and analytic experience.
accesswire.com
- 1 month ago
Best Momentum Stocks to Buy for September 25th
OBT, AFRM and FINW made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 25, 2024.
zacks.com
- 1 month ago
New Strong Buy Stocks for September 25th
SKM, OBT, AFRM, CNK and AU have been added to the Zacks Rank #1 (Strong Buy) List on September 25, 2024.
zacks.com
- 1 month ago
Best Value Stocks to Buy for September 25th
KT, OBT and CNK made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 25, 2024.
zacks.com
- 1 month ago
Orange County Bancorp, Inc. (OBT) Upgraded to Strong Buy: Here's What You Should Know
Orange County Bancorp, Inc. (OBT) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
zacks.com
- 1 month ago
Recent Price Trend in Orange County Bancorp, Inc. (OBT) is Your Friend, Here's Why
Orange County Bancorp, Inc. (OBT) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price Strength" screen.
zacks.com
- 1 month ago
Orange County Bancorp, Inc. (OBT) Is a Great Choice for 'Trend' Investors, Here's Why
If you are looking for stocks that are well positioned to maintain their recent uptrend, Orange County Bancorp, Inc. (OBT) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
zacks.com
- 2 months ago
Orange County Bancorp, Inc. Declares Cash Dividend
MIDDLETOWN, NY / ACCESSWIRE / August 16, 2024 / On August 15, 2024, the Board of Directors of Orange County Bancorp, Inc. (NASDAQ:OBT), the parent company of Orange Bank & Trust Company and Hudson Valley Investment Advisors, Inc., declared a $0.23 cash dividend per share of its common stock. The dividend will be paid on September 16, 2024 to shareholders of record on September 4, 2024.
accesswire.com
- 3 months ago
Why Orange County Bancorp, Inc. (OBT) Might be Well Poised for a Surge
Orange County Bancorp, Inc. (OBT) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
zacks.com
- 3 months ago
All You Need to Know About Orange County Bancorp, Inc. (OBT) Rating Upgrade to Buy
Orange County Bancorp, Inc. (OBT) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
zacks.com
- 3 months ago
8. Profile Summary
Orange County Bancorp, Inc. OBT
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 335 M
Dividend Yield
0.38%
Description
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.
Contact
212 Dolson Avenue, Middletown, NY, 10940
https://www.orangebanktrust.com
IPO Date
Oct. 15, 2003
Employees
197
Officers
Mr. David P. Dineen
Senior Vice President & Director of Wealth Services
Mr. Michael J. Gilfeather
President, Chief Executive Officer & Director
Mr. Joseph A. Ruhl
Executive Vice President & Regional President of Westchester County
Mr. Gregory Sousa
Executive Vice President & Chief Lending Officer
Ms. Elizabeth Jones
Senior Vice President & Chief Operating Officer
Mr. Redwan Ahmed
Senior Vice President & Chief Information Officer
Ms. Jennifer Staub
Vice President, Senior Compliance Officer & Corporate Secretary
Mr. Jacob Rahiman
Senior Vice President & Chief Human Resource Officer
Mr. Michael J. Coulter
Executive Vice President & Strategic Lending Relationship Executive
Mr. Michael Listner
Senior Vice President & Chief Risk Officer