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Orange County Bancorp (OBT) Financials

Orange County Bancorp logo
$25.69 -0.15 (-0.58%)
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Annual Income Statements for Orange County Bancorp

Annual Income Statements for Orange County Bancorp

This table shows Orange County Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 28 29 24
Consolidated Net Income / (Loss)		 28 29 24
Net Income / (Loss) Continuing Operations		 28 29 24
Total Pre-Tax Income 		35 37 30
Total Revenue		 108 102 90
Net Interest Income / (Expense)		 92 88 78
Total Interest Income		 127 118 84
Loans and Leases Interest Income		 106 96 69
Investment Securities Interest Income		 14 15 12
Federal Funds Sold and Securities Borrowed Interest Income		 7.22 6.50 2.74
Total Interest Expense		 35 29 6.14
Deposits Interest Expense		 28 20 4.46
Short-Term Borrowings Interest Expense		 6.67 8.94 0.60
Long-Term Debt Interest Expense		 0.92 0.92 1.08
Total Non-Interest Income		 16 13 12
Trust Fees by Commissions		 5.51 5.10 4.76
Service Charges on Deposit Accounts		 1.02 0.81 0.69
Other Service Charges		 1.89 1.18 1.05
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.11 0.00
Investment Banking Income		 6.74 5.24 4.54
Other Non-Interest Income		 0.82 0.98 0.95
Provision for Credit Losses		 7.71 7.87 9.52
Total Non-Interest Expense		 65 57 50
Salaries and Employee Benefits		 36 32 28
Net Occupancy & Equipment Expense		 11 9.81 9.27
Marketing Expense		 1.58 1.66 1.60
Other Operating Expenses		 16 13 11
Amortization Expense		 0.29 0.29 0.29
Income Tax Expense		 6.94 7.67 5.91
Basic Earnings per Share		 $2.47 $2.62 $4.33
Weighted Average Basic Shares Outstanding		 11.30M 11.26M 5.62M
Diluted Earnings per Share		 $2.47 $2.62 $4.33
Weighted Average Diluted Shares Outstanding		 11.30M 11.26M 5.62M
Weighted Average Basic & Diluted Shares Outstanding		 11.36M 5.66M 5.64M
Cash Dividends to Common per Share		 $0.47 - $0.83

Quarterly Income Statements for Orange County Bancorp

This table shows Orange County Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 7.16 3.22 8.21 9.29 8.12 9.04 9.09 3.23 9.07 7.85
Consolidated Net Income / (Loss)		 7.16 3.22 8.21 9.29 8.12 9.04 9.09 3.23 9.07 7.85
Net Income / (Loss) Continuing Operations		 7.16 3.22 8.21 9.29 8.12 9.04 9.09 3.23 9.07 7.85
Total Pre-Tax Income 		8.97 4.00 10 12 11 11 11 3.93 11 9.71
Total Revenue		 27 27 28 25 26 26 26 24 26 24
Net Interest Income / (Expense)		 23 23 24 22 22 23 23 21 23 21
Total Interest Income		 32 31 33 31 32 30 30 26 26 23
Loans and Leases Interest Income		 27 26 27 26 26 25 24 22 21 18
Investment Securities Interest Income		 3.28 3.22 3.69 3.79 3.72 3.71 3.91 3.67 3.77 3.47
Federal Funds Sold and Securities Borrowed Interest Income		 1.67 1.84 2.05 1.67 1.98 1.70 1.95 0.86 0.85 1.26
Total Interest Expense		 9.13 8.47 8.39 9.47 9.42 7.60 7.14 5.23 2.80 1.43
Deposits Interest Expense		 6.97 6.65 7.27 6.99 6.55 5.46 4.62 2.89 1.95 1.15
Short-Term Borrowings Interest Expense		 1.93 1.59 0.89 2.25 2.64 1.91 2.28 2.11 0.60 0.00
Long-Term Debt Interest Expense		 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.26 0.27
Total Non-Interest Income		 4.31 4.17 3.81 3.69 3.74 3.22 3.29 3.17 3.08 2.93
Trust Fees by Commissions		 1.51 1.38 1.31 1.31 1.39 1.27 1.27 1.18 1.20 1.18
Service Charges on Deposit Accounts		 0.28 0.27 0.23 0.24 0.22 0.21 0.21 0.17 0.18 0.18
Other Service Charges		 0.48 0.75 0.35 0.32 0.45 0.17 0.28 0.28 0.31 0.25
Investment Banking Income		 1.77 1.74 1.65 1.58 1.42 1.33 1.29 1.20 1.15 1.09
Other Non-Interest Income		 0.26 0.04 0.27 0.24 0.26 0.24 0.24 0.24 0.24 0.24
Provision for Credit Losses		 -0.05 7.19 2.21 -1.64 0.46 0.84 0.21 6.36 1.00 2.08
Total Non-Interest Expense		 18 16 15 15 15 14 14 14 13 13
Salaries and Employee Benefits		 9.42 8.96 9.18 8.86 8.22 7.89 7.96 8.12 7.15 7.35
Net Occupancy & Equipment Expense		 3.00 2.75 2.59 2.40 2.48 2.41 2.44 2.48 2.25 2.34
Marketing Expense		 0.41 0.36 0.44 0.36 0.58 0.36 0.43 0.28 0.48 0.37
Other Operating Expenses		 5.56 3.81 3.21 3.62 3.37 2.86 3.55 3.08 3.50 2.43
Amortization Expense		 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07
Income Tax Expense		 1.80 0.79 2.02 2.33 2.58 2.26 2.14 0.70 2.39 1.86
Basic Earnings per Share		 $0.63 $0.57 $1.46 $1.65 $0.72 $1.61 $1.61 $0.57 $1.60 $1.40
Weighted Average Basic Shares Outstanding		 11.30M 5.65M 5.64M 5.63M 11.26M 5.63M 5.63M 5.63M 5.62M 5.62M
Diluted Earnings per Share		 $0.63 $0.57 $1.46 $1.65 $0.72 $1.61 $1.61 $0.57 $1.60 $1.40
Weighted Average Diluted Shares Outstanding		 11.30M 5.65M 5.64M 5.63M 11.26M 5.63M 5.63M 5.63M 5.62M 5.62M
Basic & Diluted Earnings per Share		 $0.63 - - - $0.72 - - - - -
Weighted Average Basic & Diluted Shares Outstanding		 11.36M 5.67M 5.66M 5.66M 5.66M 5.65M 5.65M 5.64M 5.64M 5.64M
Cash Dividends to Common per Share		 $0.13 $0.23 $0.23 $0.23 $0.12 $0.23 $0.23 $0.23 $0.23 $0.20

Annual Cash Flow Statements for Orange County Bancorp

This table details how cash moves in and out of Orange County Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 2.95 61 -220
Net Cash From Operating Activities		 35 45 30
Net Cash From Continuing Operating Activities		 35 45 30
Net Income / (Loss) Continuing Operations		 28 29 24
Consolidated Net Income / (Loss)		 28 29 24
Provision For Loan Losses		 7.71 7.87 9.52
Depreciation Expense		 1.66 1.68 1.41
Amortization Expense		 1.44 1.59 2.02
Non-Cash Adjustments to Reconcile Net Income		 -1.23 -3.13 -4.84
Changes in Operating Assets and Liabilities, net		 -2.86 7.01 -1.99
Net Cash From Investing Activities		 -29 -145 -434
Net Cash From Continuing Investing Activities		 -29 -145 -434
Purchase of Property, Leasehold Improvements and Equipment		 -1.73 -3.10 -1.55
Purchase of Investment Securities		 -61 -61 -224
Sale of Property, Leasehold Improvements and Equipment		 0.38 0.00 0.00
Sale and/or Maturity of Investments		 106 98 71
Other Investing Activities, net		 -73 -179 -280
Net Cash From Financing Activities		 -2.23 162 184
Net Cash From Continuing Financing Activities		 -2.23 162 184
Net Change in Deposits		 115 64 60
Issuance of Debt		 0.00 10 132
Repayment of Debt		 -111 93 -3.00
Repurchase of Common Equity		 -0.52 -0.45 -0.31
Payment of Dividends		 -5.33 -5.19 -4.67
Cash Interest Paid		 37 28 6.12
Cash Income Taxes Paid		 10 7.82 7.26

Quarterly Cash Flow Statements for Orange County Bancorp

This table details how cash moves in and out of Orange County Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -11 -29 45 -2.66 -11 -20 13 79 -94 -91
Net Cash From Operating Activities		 13 10 9.27 2.25 16 11 9.44 8.17 7.25 13
Net Cash From Continuing Operating Activities		 13 10 9.27 2.25 16 11 9.44 8.17 7.25 13
Net Income / (Loss) Continuing Operations		 7.16 3.22 8.21 9.29 8.12 9.04 9.09 3.23 9.07 7.85
Consolidated Net Income / (Loss)		 7.16 3.22 8.21 9.29 8.12 9.04 9.09 3.23 9.07 7.85
Provision For Loan Losses		 -0.05 7.19 2.21 -1.64 0.46 0.84 0.21 6.36 1.00 2.08
Depreciation Expense		 0.48 0.40 0.39 0.39 0.40 0.40 0.39 0.50 0.26 0.41
Amortization Expense		 0.36 0.37 0.36 0.35 0.36 0.42 0.40 0.41 0.42 0.53
Non-Cash Adjustments to Reconcile Net Income		 -0.69 0.30 -0.69 -0.16 -0.97 -0.59 -0.81 -0.75 -2.45 -0.13
Changes in Operating Assets and Liabilities, net		 5.57 -1.23 -1.22 -5.99 7.64 0.78 0.16 -1.57 -1.05 2.01
Net Cash From Investing Activities		 -17 -60 15 32 -38 14 -35 -86 -15 -87
Net Cash From Continuing Investing Activities		 -17 -60 15 32 -38 14 -35 -86 -15 -87
Purchase of Property, Leasehold Improvements and Equipment		 -1.08 -0.29 -0.11 -0.25 -0.05 -0.12 -0.60 -2.34 -0.40 -0.73
Purchase of Investment Securities		 -25 -14 -14 -8.17 -13 -13 -13 -21 -12 -21
Sale of Property, Leasehold Improvements and Equipment		 0.38 - - - -0.44 - - - - -
Sale and/or Maturity of Investments		 33 19 30 24 15 21 28 34 19 13
Other Investing Activities, net		 -24 -66 -0.43 17 -40 6.19 -49 -96 -22 -79
Net Cash From Financing Activities		 -6.61 21 21 -37 11 -45 39 157 -86 -17
Net Cash From Continuing Financing Activities		 -6.61 21 21 -37 11 -45 39 157 -86 -17
Net Change in Deposits		 13 -59 50 111 -66 -33 112 51 -213 -16
Repayment of Debt		 -19 82 -225 50 79 15 -98 98 -3.00 -
Repurchase of Common Equity		 -0.03 -0.20 -0.01 -0.29 -0.02 -0.13 -0.00 -0.29 - -0.12
Payment of Dividends		 -1.42 -1.30 -1.30 -1.30 -1.30 -1.30 -1.30 -1.30 -1.30 -1.12
Cash Interest Paid		 10 8.54 8.12 10 7.98 7.51 6.60 5.44 2.57 1.64
Cash Income Taxes Paid		 1.60 2.80 5.61 0.10 1.35 2.77 3.60 0.10 2.66 0.54

Annual Balance Sheets for Orange County Bancorp

This table presents Orange County Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 2,510 2,485 2,287
Cash and Due from Banks		 150 147 86
Loans and Leases, Net of Allowance		 1,790 1,722 1,548
Loans and Leases		 1,816 1,747 1,569
Allowance for Loan and Lease Losses		 26 25 22
Accrued Investment Income		 6.68 5.93 6.32
Premises and Equipment, Net		 16 16 15
Goodwill		 5.36 5.36 5.36
Intangible Assets		 0.82 1.11 1.39
Other Assets		 541 588 626
Total Liabilities & Shareholders' Equity		 2,510 2,485 2,287
Total Liabilities		 2,324 2,320 2,149
Non-Interest Bearing Deposits		 651 699 723
Interest Bearing Deposits		 1,502 1,340 1,251
Short-Term Debt		 114 225 132
Long-Term Debt		 30 30 19
Other Long-Term Liabilities		 28 27 24
Total Equity & Noncontrolling Interests		 186 165 138
Total Preferred & Common Equity		 186 165 138
Total Common Equity		 186 165 138
Common Stock		 124 123 123
Retained Earnings		 130 107 85
Treasury Stock		 -0.38 -1.11 -1.25
Accumulated Other Comprehensive Income / (Loss)		 -68 -64 -68

Quarterly Balance Sheets for Orange County Bancorp

This table presents Orange County Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 2,519 2,481 2,453 2,447 2,494 2,455 2,368
Cash and Due from Banks		 161 190 145 159 179 165 180
Loans and Leases, Net of Allowance		 1,765 1,706 1,707 1,682 1,688 1,639 1,525
Loans and Leases		 1,796 1,734 1,733 1,708 1,713 1,663 1,548
Allowance for Loan and Lease Losses		 31 28 25 26 25 25 23
Accrued Investment Income		 10 9.62 10 6.33 5.81 5.96 5.55
Premises and Equipment, Net		 14 16 16 16 16 17 15
Goodwill		 5.36 5.36 5.36 5.36 5.36 5.36 5.36
Intangible Assets		 0.89 0.96 1.04 1.18 1.25 1.32 1.46
Other Assets		 563 554 568 578 95 96 89
Total Liabilities & Shareholders' Equity		 2,519 2,481 2,453 2,447 2,494 2,455 2,368
Total Liabilities		 2,326 2,304 2,284 2,303 2,346 2,067 2,232
Non-Interest Bearing Deposits		 690 681 636 727 716 694 788
Interest Bearing Deposits		 1,450 1,518 1,513 1,378 1,423 1,332 1,399
Short-Term Debt		 132 50 78 146 157 - -
Long-Term Debt		 30 30 30 30 29 19 22
Other Long-Term Liabilities		 24 25 27 23 22 22 22
Total Equity & Noncontrolling Interests		 193 178 169 144 148 149 136
Total Preferred & Common Equity		 193 178 169 144 148 149 136
Total Common Equity		 193 178 169 144 148 149 136
Common Stock		 124 123 123 123 123 123 123
Retained Earnings		 124 122 115 101 93 85 77
Treasury Stock		 -0.41 -0.73 -0.96 -1.13 -1.28 -1.36 -1.27
Accumulated Other Comprehensive Income / (Loss)		 -54 -67 -69 -79 -66 -58 -62

Annual Metrics And Ratios for Orange County Bancorp

This table displays calculated financial ratios and metrics derived from Orange County Bancorp's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 5.82% 13.02% 24.15%
EBITDA Growth		 -6.18% 19.92% 10.75%
EBIT Growth		 -6.27% 22.70% 13.49%
NOPAT Growth		 -5.41% 21.00% 14.45%
Net Income Growth		 -5.41% 21.00% 14.45%
EPS Growth		 -5.41% 21.00% 1.17%
Operating Cash Flow Growth		 -22.24% 45.98% 50.01%
Free Cash Flow Firm Growth		 217.68% -69.44% -127.32%
Invested Capital Growth		 -21.64% 45.08% 40.87%
Revenue Q/Q Growth		 1.40% -0.01% 7.83%
EBITDA Q/Q Growth		 -4.20% -1.63% 14.13%
EBIT Q/Q Growth		 -4.74% -1.99% 17.04%
NOPAT Q/Q Growth		 -3.33% -3.11% 17.21%
Net Income Q/Q Growth		 -3.33% -3.11% 17.21%
EPS Q/Q Growth		 -3.33% -3.11% 17.98%
Operating Cash Flow Q/Q Growth		 -8.43% 24.53% 5.10%
Free Cash Flow Firm Q/Q Growth		 1,952.86% 22.66% 0.00%
Invested Capital Q/Q Growth		 -7.34% 31.30% 82.25%
Profitability Metrics		 - - -
EBITDA Margin		 35.20% 39.70% 37.42%
EBIT Margin		 32.32% 36.49% 33.61%
Profit (Net Income) Margin		 25.88% 28.95% 27.04%
Tax Burden Percent		 80.08% 79.35% 80.47%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 19.92% 20.65% 19.53%
Return on Invested Capital (ROIC)		 7.46% 8.32% 9.86%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.46% 8.32% 9.86%
Return on Net Nonoperating Assets (RNNOA)		 8.44% 11.10% 5.32%
Return on Equity (ROE)		 15.89% 19.42% 15.18%
Cash Return on Invested Capital (CROIC)		 31.73% -28.46% -24.08%
Operating Return on Assets (OROA)		 1.39% 1.56% 1.37%
Return on Assets (ROA)		 1.12% 1.24% 1.10%
Return on Common Equity (ROCE)		 15.89% 19.42% 15.18%
Return on Equity Simple (ROE_SIMPLE)		 15.03% 17.82% 17.64%
Net Operating Profit after Tax (NOPAT)		 28 29 24
NOPAT Margin		 25.88% 28.95% 27.04%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.23% 42.88% 43.19%
Operating Expenses to Revenue		 60.53% 55.78% 55.83%
Earnings before Interest and Taxes (EBIT)		 35 37 30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 38 40 34
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.69 2.01 1.84
Price to Tangible Book Value (P/TBV)		 1.75 2.09 1.94
Price to Revenue (P/Rev)		 2.91 3.27 2.83
Price to Earnings (P/E)		 11.25 11.28 10.46
Dividend Yield		 1.70% 1.56% 1.84%
Earnings Yield		 8.89% 8.86% 9.56%
Enterprise Value to Invested Capital (EV/IC)		 0.93 1.05 1.11
Enterprise Value to Revenue (EV/Rev)		 2.84 4.31 3.55
Enterprise Value to EBITDA (EV/EBITDA)		 8.08 10.86 9.48
Enterprise Value to EBIT (EV/EBIT)		 8.80 11.82 10.56
Enterprise Value to NOPAT (EV/NOPAT)		 10.99 14.90 13.12
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.86 9.87 10.49
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.58 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.77 1.54 1.09
Long-Term Debt to Equity		 0.16 0.18 0.14
Financial Leverage		 1.13 1.33 0.54
Leverage Ratio		 14.24 15.73 13.80
Compound Leverage Factor		 14.24 15.73 13.80
Debt to Total Capital		 43.54% 60.57% 52.22%
Short-Term Debt to Total Capital		 34.54% 53.53% 45.49%
Long-Term Debt to Total Capital		 9.00% 7.04% 6.73%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 56.46% 39.43% 47.78%
Debt to EBITDA		 3.77 6.28 4.48
Net Debt to EBITDA		 -0.19 2.64 1.92
Long-Term Debt to EBITDA		 0.78 0.73 0.58
Debt to NOPAT		 5.13 8.62 6.20
Net Debt to NOPAT		 -0.26 3.62 2.66
Long-Term Debt to NOPAT		 1.06 1.00 0.80
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 119 -101 -60
Operating Cash Flow to CapEx		 2,553.73% 1,435.02% 1,973.01%
Free Cash Flow to Firm to Interest Expense		 3.35 -3.43 -9.70
Operating Cash Flow to Interest Expense		 0.98 1.51 4.97
Operating Cash Flow Less CapEx to Interest Expense		 0.94 1.41 4.72
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 6.74 6.59 6.14
Capital & Investment Metrics		 - - -
Invested Capital		 329 419 289
Invested Capital Turnover		 0.29 0.29 0.36
Increase / (Decrease) in Invested Capital		 -91 130 84
Enterprise Value (EV)		 306 439 320
Market Capitalization		 314 333 255
Book Value per Share		 $32.70 $29.27 $24.48
Tangible Book Value per Share		 $31.61 $28.12 $23.28
Total Capital		 329 419 289
Total Debt		 143 254 151
Total Long-Term Debt		 30 30 19
Net Debt		 -7.24 107 65
Capital Expenditures (CapEx)		 1.36 3.10 1.55
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 143 254 151
Total Depreciation and Amortization (D&A)		 3.10 3.27 3.43
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.47 $2.62 $4.33
Adjusted Weighted Average Basic Shares Outstanding		 11.30M 11.26M 5.62M
Adjusted Diluted Earnings per Share		 $2.47 $2.62 $4.33
Adjusted Weighted Average Diluted Shares Outstanding		 11.30M 11.26M 5.62M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.36M 11.31M 5.64M
Normalized Net Operating Profit after Tax (NOPAT)		 28 29 24
Normalized NOPAT Margin		 25.88% 28.95% 27.04%
Pre Tax Income Margin		 32.32% 36.49% 33.61%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.98 1.26 4.94
NOPAT to Interest Expense		 0.79 1.00 3.97
EBIT Less CapEx to Interest Expense		 0.94 1.16 4.68
NOPAT Less CapEx to Interest Expense		 0.75 0.90 3.72
Payout Ratios		 - - -
Dividend Payout Ratio		 19.10% 17.61% 19.16%
Augmented Payout Ratio		 20.96% 19.13% 20.43%

Quarterly Metrics And Ratios for Orange County Bancorp

This table displays calculated financial ratios and metrics derived from Orange County Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 5.76% 5.52% 7.87% 4.02% -0.05% 5.64% 26.37% 25.67% 33.79% 28.77%
EBITDA Growth		 -14.50% -60.58% -8.55% 155.72% -5.52% 13.75% 251.82% -35.64% 52.46% 35.85%
EBIT Growth		 -16.20% -64.55% -8.89% 195.90% -6.60% 16.33% 347.29% -40.52% 62.52% 40.16%
NOPAT Growth		 -11.82% -64.42% -9.61% 187.62% -10.43% 15.09% 330.62% -39.40% 65.12% 40.84%
Net Income Growth		 -11.82% -64.42% -9.61% 187.62% -10.43% 15.09% 330.62% -39.40% 65.12% 40.84%
EPS Growth		 -11.82% -64.60% -9.32% 189.47% -10.43% 15.00% 323.68% -40.00% 70.21% 32.08%
Operating Cash Flow Growth		 -19.89% -5.81% -1.72% -72.43% 120.95% -14.71% 28.23% 161.92% 25.66% 73.91%
Free Cash Flow Firm Growth		 180.15% 78.89% 154.33% 164.61% -63.35% -390.67% -5,592.17% -19.41% 0.00% 126.45%
Invested Capital Growth		 -21.64% 11.03% -23.06% -32.14% 45.08% 101.37% 98.74% 117.74% 40.87% -21.85%
Revenue Q/Q Growth		 0.89% -2.81% 10.44% -2.34% 0.66% -0.65% 6.50% -6.16% 6.40% 18.85%
EBITDA Q/Q Growth		 105.15% -56.52% -11.16% 7.89% -5.41% 0.87% 148.42% -60.14% 13.89% 211.98%
EBIT Q/Q Growth		 123.98% -60.86% -11.95% 8.55% -5.24% 0.60% 185.97% -65.74% 18.01% 286.81%
NOPAT Q/Q Growth		 122.76% -60.84% -11.59% 14.35% -10.11% -0.53% 181.30% -64.39% 15.50% 272.18%
Net Income Q/Q Growth		 122.76% -60.84% -11.59% 14.35% -10.11% -0.53% 181.30% -64.39% 15.50% 272.18%
EPS Q/Q Growth		 122.76% -60.96% -11.52% 13.79% -10.11% 0.00% 182.46% -64.38% 14.29% 268.42%
Operating Cash Flow Q/Q Growth		 25.16% 10.53% 311.58% -85.93% 47.16% 15.33% 15.46% 12.76% -43.20% 73.39%
Free Cash Flow Firm Q/Q Growth		 405.76% -137.56% -39.15% 214.68% 19.49% 3.30% 27.64% -189.93% -243.27% 1,993.73%
Invested Capital Q/Q Growth		 -7.34% 37.95% -6.92% -34.14% 31.30% -4.41% -17.91% 40.81% 82.25% -5.66%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 35.78% 17.60% 39.33% 48.89% 44.26% 47.11% 46.40% 19.89% 46.82% 43.74%
EBIT Margin		 32.75% 14.75% 36.63% 45.94% 41.33% 43.91% 43.37% 16.15% 44.23% 39.88%
Profit (Net Income) Margin		 26.16% 11.85% 29.41% 36.74% 31.38% 35.14% 35.10% 13.29% 35.01% 32.25%
Tax Burden Percent		 79.88% 80.32% 80.29% 79.97% 75.91% 80.02% 80.93% 82.27% 79.16% 80.88%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.12% 19.68% 19.71% 20.03% 24.09% 19.98% 19.07% 17.73% 20.84% 19.12%
Return on Invested Capital (ROIC)		 7.54% 3.74% 10.43% 11.05% 9.02% 14.97% 14.04% 4.25% 12.76% 14.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.54% 3.74% 10.43% 11.05% 9.02% 14.97% 14.04% 4.25% 12.76% 14.90%
Return on Net Nonoperating Assets (RNNOA)		 8.53% 3.74% 8.50% 12.75% 12.03% 10.58% 9.95% 3.81% 6.89% 2.11%
Return on Equity (ROE)		 16.07% 7.47% 18.93% 23.81% 21.05% 25.55% 23.99% 8.07% 19.65% 17.01%
Cash Return on Invested Capital (CROIC)		 31.73% -1.90% 37.79% 48.70% -28.46% -54.55% -54.46% -66.61% -24.08% 0.00%
Operating Return on Assets (OROA)		 1.41% 0.63% 1.54% 1.92% 1.76% 1.86% 1.78% 0.65% 1.80% 1.47%
Return on Assets (ROA)		 1.13% 0.51% 1.24% 1.54% 1.34% 1.49% 1.44% 0.53% 1.42% 1.19%
Return on Common Equity (ROCE)		 16.07% 7.47% 18.93% 23.81% 21.05% 25.55% 23.99% 8.07% 19.65% 17.01%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 14.94% 19.52% 21.07% 0.00% 21.14% 19.73% 14.98% 0.00% 15.26%
Net Operating Profit after Tax (NOPAT)		 7.16 3.22 8.21 9.29 8.12 9.04 9.09 3.23 9.07 7.85
NOPAT Margin		 26.16% 11.85% 29.41% 36.74% 31.38% 35.14% 35.10% 13.29% 35.01% 32.25%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.86% 44.46% 43.72% 45.95% 43.59% 41.46% 41.83% 44.73% 38.12% 41.31%
Operating Expenses to Revenue		 67.44% 58.75% 55.46% 60.54% 56.88% 52.84% 55.81% 57.71% 51.91% 51.56%
Earnings before Interest and Taxes (EBIT)		 8.97 4.00 10 12 11 11 11 3.93 11 9.71
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.80 4.78 11 12 11 12 12 4.84 12 11
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.69 1.77 1.69 1.54 2.01 1.66 1.38 1.63 1.84 1.54
Price to Tangible Book Value (P/TBV)		 1.75 1.83 1.75 1.60 2.09 1.74 1.45 1.70 1.94 1.62
Price to Revenue (P/Rev)		 2.91 3.22 2.85 2.52 3.27 2.35 2.04 2.54 2.83 2.51
Price to Earnings (P/E)		 11.25 11.84 8.63 7.29 11.28 7.86 7.00 10.86 10.46 10.07
Dividend Yield		 1.70% 1.53% 1.74% 2.01% 1.56% 2.17% 2.45% 2.01% 1.84% 2.15%
Earnings Yield		 8.89% 8.44% 11.59% 13.72% 8.86% 12.72% 14.28% 9.21% 9.56% 9.93%
Enterprise Value to Invested Capital (EV/IC)		 0.93 0.97 0.74 0.80 1.05 0.80 0.63 0.24 1.11 0.32
Enterprise Value to Revenue (EV/Rev)		 2.84 3.22 1.80 2.16 4.31 2.51 2.11 1.01 3.55 0.62
Enterprise Value to EBITDA (EV/EBITDA)		 8.08 8.65 4.03 4.63 10.86 6.23 5.35 3.09 9.48 1.74
Enterprise Value to EBIT (EV/EBIT)		 8.80 9.37 4.31 4.95 11.82 6.75 5.84 3.48 10.56 1.99
Enterprise Value to NOPAT (EV/NOPAT)		 10.99 11.87 5.45 6.24 14.90 8.41 7.25 4.31 13.12 2.48
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.86 9.06 4.92 5.75 9.87 7.16 5.64 2.70 10.49 1.78
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.58 0.00 1.69 1.33 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.77 0.84 0.45 0.64 1.54 1.22 1.26 0.13 1.09 0.16
Long-Term Debt to Equity		 0.16 0.15 0.17 0.18 0.18 0.21 0.20 0.13 0.14 0.16
Financial Leverage		 1.13 1.00 0.82 1.15 1.33 0.71 0.71 0.90 0.54 0.14
Leverage Ratio		 14.24 14.74 15.27 15.47 15.73 17.19 16.62 15.13 13.80 14.34
Compound Leverage Factor		 14.24 14.74 15.27 15.47 15.73 17.19 16.62 15.13 13.80 14.34
Debt to Total Capital		 43.54% 45.56% 30.94% 38.93% 60.57% 54.94% 55.66% 11.58% 52.22% 14.14%
Short-Term Debt to Total Capital		 34.54% 37.22% 19.45% 28.24% 53.53% 45.71% 46.83% 0.00% 45.49% 0.00%
Long-Term Debt to Total Capital		 9.00% 8.34% 11.50% 10.69% 7.04% 9.24% 8.82% 11.58% 6.73% 14.14%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 56.46% 54.44% 69.06% 61.07% 39.43% 45.06% 44.34% 88.42% 47.78% 85.86%
Debt to EBITDA		 3.77 4.08 1.70 2.24 6.28 4.27 4.69 0.63 4.48 0.76
Net Debt to EBITDA		 -0.19 0.02 -2.35 -0.78 2.64 0.41 0.19 -4.70 1.92 -5.34
Long-Term Debt to EBITDA		 0.78 0.75 0.63 0.62 0.73 0.72 0.74 0.63 0.58 0.76
Debt to NOPAT		 5.13 5.60 2.30 3.03 8.62 5.77 6.36 0.87 6.20 1.08
Net Debt to NOPAT		 -0.26 0.02 -3.18 -1.05 3.62 0.55 0.25 -6.55 2.66 -7.59
Long-Term Debt to NOPAT		 1.06 1.03 0.85 0.83 1.00 0.97 1.01 0.87 0.80 1.08
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 98 -32 85 140 -122 -152 -157 -217 -75 52
Operating Cash Flow to CapEx		 1,819.57% 3,534.14% 8,586.11% 894.05% 3,328.90% 9,461.74% 1,567.28% 349.53% 1,811.75% 1,750.07%
Free Cash Flow to Firm to Interest Expense		 10.73 -3.78 10.16 14.79 -12.97 -19.97 -21.99 -41.51 -26.69 36.61
Operating Cash Flow to Interest Expense		 1.41 1.21 1.10 0.24 1.70 1.43 1.32 1.56 2.59 8.95
Operating Cash Flow Less CapEx to Interest Expense		 1.33 1.18 1.09 0.21 1.65 1.42 1.24 1.12 2.44 8.44
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 6.74 7.00 6.53 6.31 6.59 6.64 6.56 6.16 6.14 5.77
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 329 355 257 276 419 319 334 407 289 159
Invested Capital Turnover		 0.29 0.32 0.35 0.30 0.29 0.43 0.40 0.32 0.36 0.46
Increase / (Decrease) in Invested Capital		 -91 35 -77 -131 130 161 166 220 84 -44
Enterprise Value (EV)		 306 342 189 222 439 256 212 96 320 52
Market Capitalization		 314 342 299 259 333 239 205 242 255 209
Book Value per Share		 $32.70 $34.09 $31.38 $29.81 $29.27 $25.49 $26.26 $26.33 $24.48 $24.17
Tangible Book Value per Share		 $31.61 $32.99 $30.26 $28.68 $28.12 $24.34 $25.09 $25.15 $23.28 $22.96
Total Capital		 329 355 257 276 419 319 334 168 289 159
Total Debt		 143 162 80 108 254 176 186 19 151 22
Total Long-Term Debt		 30 30 30 30 30 30 29 19 19 22
Net Debt		 -7.24 0.70 -110 -37 107 17 7.37 -146 65 -158
Capital Expenditures (CapEx)		 0.71 0.29 0.11 0.25 0.48 0.12 0.60 2.34 0.40 0.73
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 143 162 80 108 254 176 186 258 151 22
Total Depreciation and Amortization (D&A)		 0.83 0.77 0.76 0.75 0.76 0.82 0.78 0.91 0.67 0.94
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.32 $0.57 $1.46 $1.65 $0.36 $1.61 $1.61 $0.57 $1.60 $1.40
Adjusted Weighted Average Basic Shares Outstanding		 22.61M 5.65M 5.64M 5.63M 22.52M 5.63M 5.63M 5.63M 5.62M 5.62M
Adjusted Diluted Earnings per Share		 $0.32 $0.57 $1.46 $1.65 $0.36 $1.61 $1.61 $0.57 $1.60 $1.40
Adjusted Weighted Average Diluted Shares Outstanding		 22.61M 5.65M 5.64M 5.63M 22.52M 5.63M 5.63M 5.63M 5.62M 5.62M
Adjusted Basic & Diluted Earnings per Share		 $0.32 $0.00 $0.00 $0.00 $0.36 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 22.72M 5.67M 5.66M 5.66M 11.31M 5.65M 5.65M 5.64M 5.64M 5.64M
Normalized Net Operating Profit after Tax (NOPAT)		 7.16 3.22 8.21 9.29 8.12 9.04 9.09 3.23 9.07 7.85
Normalized NOPAT Margin		 26.16% 11.85% 29.41% 36.74% 31.38% 35.14% 35.10% 13.29% 35.01% 32.25%
Pre Tax Income Margin		 32.75% 14.75% 36.63% 45.94% 41.33% 43.91% 43.37% 16.15% 44.23% 39.88%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.98 0.47 1.22 1.23 1.14 1.49 1.57 0.75 4.09 6.81
NOPAT to Interest Expense		 0.78 0.38 0.98 0.98 0.86 1.19 1.27 0.62 3.24 5.51
EBIT Less CapEx to Interest Expense		 0.91 0.44 1.21 1.20 1.09 1.47 1.49 0.30 3.95 6.30
NOPAT Less CapEx to Interest Expense		 0.71 0.35 0.97 0.95 0.81 1.17 1.19 0.17 3.09 5.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 19.10% 18.05% 15.00% 14.62% 17.61% 17.05% 17.15% 21.74% 19.16% 21.63%
Augmented Payout Ratio		 20.96% 19.82% 16.27% 15.86% 19.13% 18.44% 18.57% 23.60% 20.43% 23.11%

Frequently Asked Questions About Orange County Bancorp's Financials

When does Orange County Bancorp's fiscal year end?

According to the most recent income statement we have on file, Orange County Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Orange County Bancorp's net income changed over the last 2 years?

Orange County Bancorp's net income appears to be on an upward trend, with a most recent value of $27.88 million in 2024, rising from $24.36 million in 2022. The previous period was $29.48 million in 2023. Find out what analysts predict for Orange County Bancorp in the coming months.

How has Orange County Bancorp revenue changed over the last 2 years?

Over the last 2 years, Orange County Bancorp's total revenue changed from $90.08 million in 2022 to $107.74 million in 2024, a change of 19.6%.

How much debt does Orange County Bancorp have?

Orange County Bancorp's total liabilities were at $2.32 billion at the end of 2024, a 0.2% increase from 2023, and a 8.2% increase since 2022.

How much cash does Orange County Bancorp have?

In the past 2 years, Orange County Bancorp's cash and equivalents has ranged from $86.08 million in 2022 to $150.33 million in 2024, and is currently $150.33 million as of their latest financial filing in 2024.

How has Orange County Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Orange County Bancorp's book value per share changed from 24.48 in 2022 to 32.70 in 2024, a change of 33.6%.


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This page (NASDAQ:OBT) was last updated on 5/29/2025 by MarketBeat.com Staff
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