OBT - Orange County Bancorp, Inc.
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$36.00
DETAILS
HIGH:
$36.00
LOW:
$36.00
MEDIAN:
$36.00
CONSENSUS:
$36.00
UPSIDE:
5.73%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||
| Revenue | 158.1 | 143.1 | 131.1 | 96.0 | 76.0 | 64.4 | 57.6 | 47.9 | 42.4 | 38.3 | 33.7 | 28.4 | 26.6 | 25.3 | 30.9 |
| Cost of Revenue | 38.7 | 43.2 | 37.2 | 15.7 | 6.4 | 10.1 | 7.0 | 5.3 | 4.6 | 5.7 | 10.0 | 0 | 0 | 0 | 30.9 |
| Gross Profit | 119.5 | 99.9 | 93.8 | 80.4 | 69.6 | 54.3 | 50.5 | 42.6 | 37.7 | 32.6 | 23.7 | 28.4 | 26.6 | 25.3 | 0 |
| Operating Expenses | |||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 43.1 | 40.3 | 36.7 | 32.2 | 26.4 | 25.1 | 23.2 | 21.1 | 19.6 | 18.2 | 16.9 | 17.4 | 16.1 | 13.5 | 6.8 |
| Other Expenses | 24.8 | 24.7 | 20.0 | 17.9 | 16.5 | 14.6 | 12.9 | 12.4 | 11.7 | 10.0 | 8.6 | 3.2 | 0 | 1.8 | (3.4) |
| Operating Expenses | 67.9 | 65.1 | 56.7 | 50.1 | 42.9 | 39.8 | 36.1 | 33.4 | 31.2 | 28.2 | 25.6 | 20.6 | 16.1 | 15.2 | 3.4 |
| Operating Income | |||||||||||||||
| Operating Income | 51.6 | 34.8 | 37.1 | 30.3 | 26.7 | 14.5 | 14.4 | 9.2 | 6.5 | 4.4 | (1.9) | 11.0 | 10.5 | 10.5 | 9.9 |
| Interest Expense | 30.9 | 35.5 | 29.4 | 6.1 | 4.0 | 4.7 | 4.8 | 2.8 | 2.9 | 3.9 | 4.2 | 0 | 0 | 0 | 3.3 |
| Interest Income | 135.0 | 127.2 | 117.8 | 84.2 | 64.4 | 53.5 | 48.3 | 38.7 | 33.1 | 29.8 | 25.2 | 0 | 0 | 0 | 0 |
| Profitability | |||||||||||||||
| EBITDA | 53.1 | 36.8 | 39.1 | 32.0 | 28.3 | 16.1 | 15.9 | 10.6 | 8.0 | 5.4 | (1.0) | (1.4) | (0.8) | (0.4) | 10.4 |
| EBIT | 51.6 | 34.8 | 37.1 | 30.3 | 26.7 | 14.5 | 14.4 | 9.2 | 6.5 | 4.4 | (1.9) | 7.8 | 8.1 | 10.1 | 9.9 |
| Income Before Tax | 51.6 | 34.8 | 37.1 | 30.3 | 26.7 | 14.5 | 14.4 | 9.2 | 6.5 | 4.4 | (1.9) | 7.8 | 8.1 | 10.1 | 9.9 |
| Income Tax Expense | 9.9 | 6.9 | 7.7 | 5.9 | 5.4 | 2.8 | 2.9 | 1.6 | 4.2 | 0.7 | (1.8) | 1.6 | 1.6 | 2.3 | 2.3 |
| Net Income | 41.6 | 27.9 | 29.5 | 24.4 | 21.3 | 11.7 | 11.5 | 7.6 | 2.4 | 3.6 | (0.2) | 6.2 | 6.5 | 7.8 | 7.6 |
| Per Share Data | |||||||||||||||
| EPS (Basic) | 3.33 | 2.47 | 2.62 | 2.17 | 2.14 | 1.30 | 1.28 | 0.94 | 0.30 | 0.93 | -0.04 | 1.58 | 1.66 | 1.98 | 1.93 |
| EPS (Diluted) | 3.33 | 2.47 | 2.62 | 2.17 | 2.14 | 1.30 | 1.28 | 0.94 | 0.30 | 0.93 | -0.04 | 1.58 | 1.66 | 1.98 | 1.93 |
| Shares Outstanding | 12.5 | 11.3 | 11.3 | 11.2 | 9.9 | 9.0 | 9.0 | 8.1 | 7.8 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 204.2 | 150.3 | 147.4 | 86.1 | 306.2 | 121.2 | 25.1 | 18.4 | 30.2 | 27.3 |
| Short-Term Investments | 158.3 | 443.8 | 489.9 | 533.5 | 464.8 | 330.1 | 254.9 | 255.5 | 297.7 | 279.3 |
| Net Receivables | 10.4 | 6.7 | 5.9 | 6.3 | 6.6 | 6.3 | 3.2 | 3.0 | 2.8 | 2.6 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 373.0 | 600.8 | 643.3 | 625.9 | 777.6 | 457.6 | 283.2 | 276.9 | 330.7 | 309.2 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 15.5 | 15.8 | 16.2 | 18.8 | 14.6 | 14.0 | 14.6 | 13.9 | 13.7 | 14.3 |
| Goodwill | 5.4 | 5.4 | 5.4 | 5.4 | 5.4 | 5.4 | 5.4 | 5.4 | 5.4 | 5.4 |
| Intangible Assets | 0.5 | 0.8 | 1.1 | 1.4 | 1.7 | 2.0 | 2.2 | 2.5 | 2.8 | 3.1 |
| Long-Term Investments | 1,921.9 | 1,789.7 | 1,721.9 | 1,547.6 | 1,273.8 | 1,136.6 | 879.8 | 726.4 | 569.4 | 534.1 |
| Other Non-Current Assets | 343.1 | 97.5 | 97.7 | 69.3 | 69.6 | 49.4 | 44.3 | 39.7 | 38.7 | 43.6 |
| Total Non-Current Assets | 2,286.4 | 1,909.1 | 1,842.2 | 1,661.5 | 1,365.0 | 1,207.3 | 946.3 | 788.0 | 630.0 | 600.5 |
| Total Assets | 2,659.4 | 2,509.9 | 2,485.5 | 2,287.3 | 2,142.6 | 1,664.9 | 1,229.6 | 1,064.9 | 960.7 | 909.7 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 113.5 | 224.5 | 131.5 | 0 | 0 | 0 | 0 | 0 | 25 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 2,310.4 | 2,153.4 | 2,038.7 | 1,974.4 | 1,914.4 | 1,489.3 | 1,083.1 | 905.0 | 808.8 | 712.0 |
| Total Current Liabilities | 2,310.4 | 2,266.9 | 2,263.2 | 2,129.7 | 1,937.4 | 1,507.2 | 1,099.5 | 917.8 | 822.6 | 754.2 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 34.6 | 29.6 | 29.5 | 19.4 | 22.4 | 22.3 | 8 | 38.6 | 23.1 | 63.2 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 30.1 | 27.9 | 27.3 | 0 | 0 | 0 | 0 | 0 | 23.8 | 0 |
| Total Non-Current Liabilities | 64.6 | 57.5 | 56.8 | 19.4 | 22.4 | 22.3 | 8 | 38.6 | 46.9 | 63.2 |
| Total Liabilities | 2,375.0 | 2,324.4 | 2,320.1 | 2,149.2 | 1,959.7 | 1,529.5 | 1,107.5 | 956.3 | 869.4 | 817.3 |
| Stockholders' Equity | ||||||||||
| Common Stock | 3.3 | 2.8 | 2.8 | 2.8 | 2.8 | 2.3 | 2.3 | 2.3 | 2.0 | 1.0 |
| Retained Earnings | 164.4 | 129.9 | 107.4 | 84.6 | 64.9 | 47.7 | 39.6 | 31.0 | 26.7 | 26.6 |
| Accumulated Other Comprehensive Income | (47.8) | (67.8) | (64.1) | (68.2) | (3.4) | 1.8 | (4.0) | (9.0) | (5.5) | (4.2) |
| Total Stockholders' Equity | 284.4 | 185.5 | 165.4 | 138.1 | 182.8 | 135.4 | 122.1 | 108.5 | 91.3 | 92.4 |
| Total Liabilities & Equity | 2,659.4 | 2,509.9 | 2,485.5 | 2,287.3 | 2,142.6 | 1,664.9 | 1,229.6 | 1,064.9 | 960.7 | 909.7 |
| Debt Metrics | ||||||||||
| Total Debt | 34.6 | 143.1 | 254.0 | 150.9 | 22.4 | 22.3 | 8 | 38.6 | 23.1 | 88.2 |
| Net Debt | (169.7) | (7.2) | 106.6 | 64.9 | (283.8) | (98.9) | (17.1) | 20.2 | (7.1) | 60.8 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 41.6 | 27.9 | 29.5 | 24.4 | 21.3 | 11.7 | 11.5 | 7.6 | 2.4 | 3.6 |
| Depreciation & Amortization | 1.8 | 1.9 | 2.0 | 1.7 | 1.7 | 1.6 | 1.5 | 1.4 | 1.5 | 1.0 |
| Stock-Based Compensation | 1.1 | 1.8 | 0.9 | 0.7 | 0.5 | 0.6 | 0.5 | 0.2 | 0.2 | 0.1 |
| Change in Working Capital | (2.5) | (2.9) | 7.0 | (2.0) | (0.9) | (5.6) | (2.0) | (0.9) | (2.3) | 2.7 |
| Other Non-Cash Items | 1.5 | 5.8 | 5.1 | 6.7 | (1.9) | 3.4 | 2.7 | 3.8 | 3.5 | 3.2 |
| Operating Cash Flow | 43.8 | 34.6 | 44.5 | 30.5 | 20.3 | 11.3 | 13.7 | 12.0 | 8.4 | 9.4 |
| Investing Activities | ||||||||||
| Capital Expenditure | (2.5) | (1.7) | (3.5) | (1.5) | (2.0) | (0.7) | (1.9) | (1.4) | (1.6) | (0.5) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4 | 0 | 0 |
| Purchases of Investments | (22.6) | (5.4) | (6.8) | (211.7) | (258.2) | (218.8) | (99.4) | (33.7) | (146.7) | (57.4) |
| Sales/Maturities of Investments | 68.6 | 45.8 | 49.1 | 66.3 | 113.9 | 147.8 | 103.1 | 69.6 | 124.4 | 74.7 |
| Other Investing Activities | (117.6) | (68.0) | (183.7) | (287.1) | (145.0) | (259.3) | (152.4) | (167.8) | (33.9) | (99.6) |
| Investing Cash Flow | (74.2) | (29.4) | (144.9) | (434.1) | (291.3) | (331.0) | (150.5) | (133.0) | (57.7) | (82.8) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (108.9) | (111) | 103 | 128.5 | 0 | 14.3 | (30.6) | 15.4 | (65.1) | 14.9 |
| Stock Repurchased | (0.2) | (0.5) | (0.4) | (0.3) | (0.4) | (1.2) | (0.5) | (0.2) | (0.1) | (0.0) |
| Dividends Paid | (7.1) | (5.3) | (5.2) | (4.7) | (4.0) | (3.6) | (3.6) | (3.3) | (3.2) | (3.2) |
| Other Financing Activities | 157.0 | 114.6 | 64.4 | 60.0 | 425.1 | 406.2 | 178.1 | 80.8 | 120.5 | 73.5 |
| Financing Cash Flow | 84.2 | (2.2) | 161.7 | 183.5 | 455.9 | 415.7 | 143.5 | 109.2 | 52.2 | 85.2 |
| Cash Position | ||||||||||
| Net Change in Cash | 53.9 | 3.0 | 61.3 | (220.1) | 184.9 | 96.1 | 6.7 | (11.8) | 2.9 | 11.7 |
| Cash at Beginning | 150.3 | 147.4 | 86.1 | 306.2 | 121.2 | 25.1 | 18.4 | 30.2 | 27.3 | 15.6 |
| Cash at End | 204.2 | 150.3 | 147.4 | 86.1 | 306.2 | 121.2 | 25.1 | 18.4 | 30.2 | 27.3 |
| Free Cash Flow | 41.3 | 32.9 | 41.0 | 28.9 | 18.4 | 10.7 | 11.9 | 10.5 | 6.9 | 8.9 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||
| Revenue | 158.1 | 143.1 | 131.1 | 96.0 | 76.0 | 64.4 | 57.6 | 47.9 | 42.4 | 38.3 | 33.7 | 28.4 | 26.6 | 25.3 | 30.9 |
| Gross Profit | 119.5 | 99.9 | 93.8 | 80.4 | 69.6 | 54.3 | 50.5 | 42.6 | 37.7 | 32.6 | 23.7 | 28.4 | 26.6 | 25.3 | 0 |
| Operating Income | 51.6 | 34.8 | 37.1 | 30.3 | 26.7 | 14.5 | 14.4 | 9.2 | 6.5 | 4.4 | (1.9) | 11.0 | 10.5 | 10.5 | 9.9 |
| Net Income | 41.6 | 27.9 | 29.5 | 24.4 | 21.3 | 11.7 | 11.5 | 7.6 | 2.4 | 3.6 | (0.2) | 6.2 | 6.5 | 7.8 | 7.6 |
| EPS (Diluted) | 3.33 | 2.47 | 2.62 | 2.17 | 2.14 | 1.30 | 1.28 | 0.94 | 0.30 | 0.93 | -0.04 | 1.58 | 1.66 | 1.98 | 1.93 |
| Balance Sheet | |||||||||||||||
| Cash & Equivalents | 204.2 | 150.3 | 147.4 | 86.1 | 306.2 | 121.2 | 25.1 | 18.4 | 30.2 | 27.3 | |||||
| Total Assets | 2,659.4 | 2,509.9 | 2,485.5 | 2,287.3 | 2,142.6 | 1,664.9 | 1,229.6 | 1,064.9 | 960.7 | 909.7 | |||||
| Total Debt | 34.6 | 143.1 | 254.0 | 150.9 | 22.4 | 22.3 | 8 | 38.6 | 23.1 | 88.2 | |||||
| Stockholders' Equity | 284.4 | 185.5 | 165.4 | 138.1 | 182.8 | 135.4 | 122.1 | 108.5 | 91.3 | 92.4 | |||||
| Cash Flow | |||||||||||||||
| Operating Cash Flow | 43.8 | 34.6 | 44.5 | 30.5 | 20.3 | 11.3 | 13.7 | 12.0 | 8.4 | 9.4 | |||||
| Capital Expenditure | (2.5) | (1.7) | (3.5) | (1.5) | (2.0) | (0.7) | (1.9) | (1.4) | (1.6) | (0.5) | |||||
| Free Cash Flow | 41.3 | 32.9 | 41.0 | 28.9 | 18.4 | 10.7 | 11.9 | 10.5 | 6.9 | 8.9 | |||||