Orange County Bancorp Inc (OBT) Key Ratios
$37.82
$0.00 (0.00%)As on 26-Aug-2026 16:00EDT
Market cap
$509 Mln
Revenue (TTM)
$151 Mln
P/E Ratio
10.7
P/B Ratio
1.7
Div. Yield
1.8 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 1.56 | -13.72 | 1.24 | 8.82 | 16.77 |
| EBIT | -- | -- | -2.00 | 0.64 | 12.25 |
| Net Profit | 21.05 | 30.57 | 60.41 | 17.47 | 23.11 |
| EPS | 20.91 | 13.95 | 37.43 | 7.15 | 13.74 |
| Book Value | -- | -- | 29.87 | 20.20 | 7.25 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 28.43 | 30.38 | 24.62 | 32.60 | 24.33 |
| Net Margin
| -- | -- | 31.45 | -- | -- |
| Return on equity
| 17.68 | 16.32 | 16.04 | 17.71 | 15.89 |
| Return on Capital
| 9.54 | 10.04 | -- | 12.85 | 7.46 |
| Return on Assets
| 1.32 | 1.24 | 1.41 | 1.61 | 1.12 |
| Debt to Equity (x)
| -- | -- | 0.00 | 0.12 | 0.77 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
12.85
|
7.46
|
8.32
|
9.86
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
16.04
Higher than Peers by 6.15
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
16.04
|
17.71
|
15.89
|
19.42
|
15.18
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
1.41
Higher than Peers by 0.44
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
1.41
|
1.61
|
1.12
|
1.24
|
1.10
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
24.62
Higher than Peers by 3.77
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
24.62
|
32.60
|
24.33
|
28.34
|
31.54
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
31.45
Higher than Peers by 11.41
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
31.45
|
26.32
|
19.49
|
22.49
|
25.38
|
|
Peer Median
|
20.04
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
1.24
Lower than Peers by 9.80
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
1.24
|
0.11
|
0.09
|
0.37
|
0.26
|
|
Peer Median
|
11.04
|
--
|
--
|
--
|
--
|
EBIT Growth
-2.00
Higher than Peers by 9.04
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
-2.00
|
48.07
|
-6.27
|
22.70
|
13.49
|
|
Peer Median
|
-11.04
|
--
|
--
|
--
|
--
|
Net Profit Growth
60.41
Higher than Peers by 52.94
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
60.41
|
49.25
|
-5.41
|
20.99
|
14.45
|
|
Peer Median
|
7.46
|
--
|
--
|
--
|
--
|
EPS Growth
37.43
Higher than Peers by 31.53
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
37.43
|
0.26
|
-0.06
|
0.21
|
0.15
|
|
Peer Median
|
5.90
|
--
|
--
|
--
|
--
|
Book Value Growth
5.94
Lower than Peers by 2.87
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
5.94
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.81
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
--
--
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
0.12
|
0.77
|
1.54
|
1.09
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
--
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
0.00
|
0.61
|
1.36
|
0.95
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.31
Lower than Peers by 0.00
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
0.31
|
0.16
|
0.27
|
0.28
|
0.29
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.31
Lower than Peers by 0.05
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
0.31
|
--
|
--
|
0.22
|
0.34
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
2.94
Higher than Peers by 1.19
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
2.94
|
1.67
|
0.98
|
1.26
|
4.94
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
7.16
Higher than Peers by 0.23
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
7.16
|
6.57
|
4.67
|
4.53
|
6.58
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
0.04
|
0.06
|
0.06
|
0.05
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
19.71
|
16.10
|
17.07
|
24.66
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
--
|
1,196.74
|
240.49
|
-4,728.08
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
--
|
--
|
233.99
|
22,615.14
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
--
|
--
|
23.57
|
-27,318.56
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
10.67
Lower than Peers by 2.12
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
10.67
|
9.15
|
22.53
|
23.02
|
21.52
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.67
Higher than Peers by 0.34
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
1.67
|
1.34
|
3.39
|
4.10
|
3.79
|
|
Peer Median
|
1.33
|
--
|
--
|
--
|
--
|
Dividend Yield
1.76
Lower than Peers by 0.72
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
1.76
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
--
|
1.00
|
4.82
|
7.55
|
1.74
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
509
Higher than Peers by 200
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Orange County Bancorp Inc (OBT)
|
509
|
--
|
--
|
--
|
--
|
|
Peer Median
|
309
|
--
|
--
|
--
|
--
|