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Orange County Bancorp (OBT)
NASDAQ:OBT
US Market
OBT
Orange County Bancorp
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Orange County Bancorp (OBT) Ratios

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Orange County Bancorp Ratios

OBT's free cash flow for Q2 2026 was $0.85. For the 2026 fiscal year, OBT's free cash flow was decreased by $ and operating cash flow was $0.41. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.31 0.16 0.27 0.28 0.29
Quick Ratio
 0.31 0.16 0.27 0.28 0.29
Cash Ratio
 0.14 0.09 0.07 0.07 0.04
Solvency Ratio
 0.02 0.02 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.03 0.02 0.02 0.02 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.30 0.20 0.23
Net Current Asset Value
$ -1.75B$ -2.00B$ -1.72B$ -1.68B$ -1.52B
Leverage Ratios
Debt-to-Assets Ratio
 0.01 0.01 0.06 0.10 0.07
Debt-to-Equity Ratio
 0.11 0.12 0.77 1.54 1.09
Debt-to-Capital Ratio
 0.10 0.11 0.44 0.61 0.52
Long-Term Debt-to-Capital Ratio
 0.10 0.11 0.14 0.15 0.12
Financial Leverage Ratio
 9.13 9.35 13.53 15.03 16.56
Debt Service Coverage Ratio
 1.72 1.40 0.20 0.12 0.19
Interest Coverage Ratio
 1.88 1.67 0.98 1.26 4.94
Debt to Market Cap
 0.07 0.10 0.46 0.75 0.58
Interest Debt Per Share
 4.62 5.23 15.80 25.17 13.97
Net Debt to EBITDA
 -5.75 -3.20 -0.20 2.73 2.03
Profitability Margins
Gross Profit Margin
79.01%75.54%69.83%71.58%83.70%
EBIT Margin
34.01%32.60%24.33%28.34%31.54%
EBITDA Margin
34.66%33.58%25.69%29.84%33.30%
Operating Profit Margin
34.01%32.60%24.33%28.34%31.54%
Pretax Profit Margin
35.06%32.60%24.33%28.34%31.54%
Net Profit Margin
31.45%26.32%19.49%22.49%25.38%
Continuous Operations Profit Margin
31.45%26.32%19.49%22.49%25.38%
Net Income Per EBT
89.71%80.72%80.08%79.35%80.47%
EBT Per EBIT
103.08%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.69%1.56%1.11%1.19%1.07%
Return on Equity (ROE)
16.44%14.63%15.03%17.82%17.64%
Return on Capital Employed (ROCE)
13.88%14.77%14.32%16.72%19.21%
Return on Invested Capital (ROIC)
12.45%11.92%7.82%6.60%8.43%
Return on Tangible Assets
1.70%1.57%1.11%1.19%1.07%
Earnings Yield
9.26%11.65%8.88%8.69%9.30%
Efficiency Ratios
Receivables Turnover
 13.97 15.23 21.42 22.09 15.19
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 9.75 10.21 9.05 8.11 5.12
Asset Turnover
 0.05 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.08 -0.09 -0.09 -0.08 -0.07
Cash Conversion Cycle
 26.13 23.97 17.04 16.52 24.03
Days of Sales Outstanding
 26.13 23.97 17.04 16.52 24.03
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 26.13 23.97 17.04 16.52 24.03
Cash Flow Ratios
Operating Cash Flow Per Share
 5.00 3.51 3.06 3.95 2.71
Free Cash Flow Per Share
 4.90 3.30 2.91 3.64 2.57
CapEx Per Share
 0.10 0.20 0.15 0.31 0.14
Free Cash Flow to Operating Cash Flow
 0.98 0.94 0.95 0.92 0.95
Dividend Paid and CapEx Coverage Ratio
 6.51 4.56 4.90 5.10 4.91
Capital Expenditure Coverage Ratio
 51.80 17.43 20.00 12.58 19.73
Operating Cash Flow Coverage Ratio
 1.93 1.27 0.24 0.18 0.20
Operating Cash Flow to Sales Ratio
 0.44 0.28 0.24 0.34 0.32
Free Cash Flow Yield
12.76%11.57%10.47%12.08%11.05%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.78 8.57 11.25 11.50 10.75
Price-to-Sales (P/S) Ratio
 3.41 2.26 2.20 2.59 2.73
Price-to-Book (P/B) Ratio
 1.67 1.26 1.69 2.05 1.90
Price-to-Free Cash Flow (P/FCF) Ratio
 7.84 8.64 9.56 8.28 9.05
Price-to-Operating Cash Flow Ratio
 7.66 8.14 9.08 7.62 8.59
Price-to-Earnings Growth (PEG) Ratio
 0.27 0.25 -1.97 0.55 7.67
Price-to-Fair Value
 1.67 1.26 1.69 2.05 1.90
Enterprise Value Multiple
 4.08 3.53 8.35 11.40 10.22
Enterprise Value
 212.93M 187.45M 306.87M 445.73M 326.72M
EV to EBITDA
 4.08 3.53 8.35 11.40 10.22
EV to Sales
 1.41 1.19 2.14 3.40 3.40
EV to Free Cash Flow
 3.25 4.54 9.33 10.88 11.29
EV to Operating Cash Flow
 3.19 4.28 8.87 10.02 10.72
Tangible Book Value Per Share
 22.51 22.26 15.87 14.12 11.69
Shareholders’ Equity Per Share
 22.94 22.73 16.41 14.69 12.29
Tax and Other Ratios
Effective Tax Rate
 0.10 0.19 0.20 0.21 0.20
Revenue Per Share
 11.27 12.64 12.66 11.64 8.54
Net Income Per Share
 3.55 3.33 2.47 2.62 2.17
Tax Burden
 0.90 0.81 0.80 0.79 0.80
Interest Burden
 1.03 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.36 0.27 0.28 0.27 0.32
Stock-Based Compensation to Revenue
 <0.01 <0.01 0.01 <0.01 <0.01
Income Quality
 1.41 1.05 1.24 1.51 1.25
Currency in USD