Orange County Bancorp(OBT)
$39.85-0.16 (-0.40%)
OBT
Orange County Bancorp financials statements
$39.85
At close:-0.16 (-0.40%)
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Orange County Bancorp (OBT) Ratios
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Orange County Bancorp Ratios
OBT's free cash flow for Q3 2026 was $27.45M. For the 2026 fiscal year, OBT's free cash flow was increased by $813.00K and operating cash flow was $26.63M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.16 | 0.27 | 0.28 | 0.29 | 0.40 |
| Quick Ratio | 0.16 | 0.27 | 0.28 | 0.29 | 0.40 |
| Cash Ratio | 0.09 | 0.07 | 0.07 | 0.04 | 0.16 |
| Solvency Ratio | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.30 | 0.20 | 0.23 | 0.00 |
| Net Current Asset Value | $ -2.00B | $ -1.72B | $ -1.68B | $ -1.52B | $ -1.18B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.06 | 0.10 | 0.07 | 0.01 |
| Debt-to-Equity Ratio | 0.12 | 0.77 | 1.54 | 1.09 | 0.12 |
| Debt-to-Capital Ratio | 0.11 | 0.44 | 0.61 | 0.52 | 0.11 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.14 | 0.15 | 0.12 | 0.11 |
| Financial Leverage Ratio | 9.35 | 13.53 | 15.03 | 16.56 | 11.72 |
| Debt Service Coverage Ratio | 1.40 | 0.20 | 0.12 | 0.19 | 5.78 |
| Interest Coverage Ratio | 1.67 | 0.98 | 1.26 | 4.94 | 6.72 |
| Debt to Market Cap | 0.10 | 0.46 | 0.75 | 0.58 | 0.11 |
| Interest Debt Per Share | 5.23 | 15.80 | 25.17 | 13.97 | 2.65 |
| Net Debt to EBITDA | -3.18 | -0.20 | 2.73 | 2.03 | -10.02 |
| Profitability Margins | |||||
| Gross Profit Margin | 75.54% | 69.83% | 71.58% | 83.70% | 91.58% |
| EBIT Margin | 32.60% | 24.33% | 28.34% | 31.54% | 35.10% |
| EBITDA Margin | 33.76% | 25.69% | 29.84% | 33.30% | 37.29% |
| Operating Profit Margin | 32.60% | 24.33% | 28.34% | 31.54% | 35.10% |
| Pretax Profit Margin | 32.60% | 24.33% | 28.34% | 31.54% | 35.10% |
| Net Profit Margin | 26.32% | 19.49% | 22.49% | 25.38% | 28.01% |
| Continuous Operations Profit Margin | 26.32% | 19.49% | 22.49% | 25.38% | 28.01% |
| Net Income Per EBT | 80.72% | 80.08% | 79.35% | 80.47% | 79.80% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.56% | 1.11% | 1.19% | 1.07% | 0.99% |
| Return on Equity (ROE) | 14.63% | 15.03% | 17.82% | 17.64% | 11.64% |
| Return on Capital Employed (ROCE) | 14.77% | 14.32% | 16.72% | 19.21% | 13.00% |
| Return on Invested Capital (ROIC) | 11.92% | 7.82% | 6.60% | 8.43% | 10.37% |
| Return on Tangible Assets | 1.57% | 1.11% | 1.19% | 1.07% | 1.00% |
| Earnings Yield | 11.65% | 8.88% | 8.69% | 9.30% | 10.66% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.23 | 21.42 | 22.09 | 15.19 | 11.44 |
| 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 | 10.21 | 9.05 | 8.11 | 5.12 | 5.20 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.09 | -0.09 | -0.08 | -0.07 | -0.07 |
| Cash Conversion Cycle | 23.97 | 17.04 | 16.52 | 24.03 | 31.90 |
| Days of Sales Outstanding | 23.97 | 17.04 | 16.52 | 24.03 | 31.90 |
| 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 | 23.97 | 17.04 | 16.52 | 24.03 | 31.90 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.51 | 3.06 | 3.95 | 2.71 | 2.04 |
| Free Cash Flow Per Share | 3.30 | 2.91 | 3.64 | 2.57 | 1.85 |
| Dividend Paid and CapEx Coverage Ratio | 4.56 | 4.90 | 5.10 | 4.91 | 3.39 |
| Capital Expenditure Coverage Ratio | 17.43 | 20.00 | 12.58 | 19.73 | 10.37 |
| Operating Cash Flow Coverage Ratio | 1.27 | 0.24 | 0.18 | 0.20 | 0.91 |
| Operating Cash Flow to Sales Ratio | 0.28 | 0.24 | 0.34 | 0.32 | 0.27 |
| Free Cash Flow Yield | 11.57% | 10.47% | 12.08% | 11.05% | 9.19% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.57 | 11.25 | 11.50 | 10.75 | 9.38 |
| Price-to-Sales (P/S) Ratio | 2.26 | 2.20 | 2.59 | 2.73 | 2.63 |
| Price-to-Book (P/B) Ratio | 1.26 | 1.69 | 2.05 | 1.90 | 1.09 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.64 | 9.56 | 8.28 | 9.05 | 10.88 |
| Price-to-Operating Cash Flow Ratio | 8.14 | 9.08 | 7.62 | 8.59 | 9.83 |
| Price-to-Earnings Growth (PEG) Ratio | 0.25 | -1.97 | 0.55 | 7.67 | 0.15 |
| Enterprise Value Multiple | 3.51 | 8.35 | 11.40 | 10.22 | -2.97 |
| Enterprise Value | 187.45M | 306.87M | 445.73M | 326.72M | -84.06M |
| EV to EBITDA | 3.51 | 8.35 | 11.40 | 10.22 | -2.97 |
| EV to Sales | 1.19 | 2.14 | 3.40 | 3.40 | -1.11 |
| EV to Free Cash Flow | 4.54 | 9.33 | 10.88 | 11.29 | -4.58 |
| EV to Operating Cash Flow | 4.28 | 8.87 | 10.02 | 10.72 | -4.14 |
| Tangible Book Value Per Share | 22.26 | 15.87 | 14.12 | 11.69 | 17.69 |
| Shareholders’ Equity Per Share | 22.73 | 16.41 | 14.69 | 12.29 | 18.40 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.20 | 0.21 | 0.20 | 0.20 |
| Revenue Per Share | 12.64 | 12.66 | 11.64 | 8.54 | 7.65 |
| Net Income Per Share | 3.33 | 2.47 | 2.62 | 2.17 | 2.14 |
| Tax Burden | 0.81 | 0.80 | 0.79 | 0.80 | 0.80 |
| Interest Burden | 1.00 | 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 | 0.27 | 0.28 | 0.27 | 0.32 | 0.33 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.05 | 1.24 | 1.51 | 1.25 | 0.95 |
Currency in USD
