Financial Snapshot

Revenue
$95.02M
TTM
Gross Margin
Net Earnings
$28.84M
TTM
Current Assets
Current Liabilities
$74.41M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$193.1M
Q3 2024
Cash
Q3 2024
P/E
11.56
Nov 29, 2024 EST
Free Cash Flow
$36.66M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019
Revenue $117.8M $84.22M $64.43M $53.46M
YoY Change 39.83% 30.72% 20.52%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019
Revenue $117.8M $84.22M $64.43M $53.46M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.966M $1.407M $1.375M $1.274M $1.480M
YoY Change 39.73% 2.33% 7.93% -13.92%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019
Interest Expense $29.38M $6.135M $3.968M $4.722M
YoY Change 378.88% 54.61% -15.97%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019
Pretax Income $37.15M $30.28M $26.68M $14.52M $14.41M
YoY Change 22.7% 13.49% 83.75% 0.75%
Income Tax $7.671M $5.914M $5.390M $2.839M $2.930M
% Of Pretax Income 20.65% 19.53% 20.2% 19.56% 20.33%
Net Earnings $29.48M $24.36M $21.29M $11.68M $11.48M
YoY Change 20.99% 14.45% 82.27% 1.73%
Net Earnings / Revenue 25.03% 28.93% 33.04% 21.85%
Basic Earnings Per Share $5.24 $4.33 $4.28 $2.59
Diluted Earnings Per Share $5.24 $4.33 $4.28 $2.59 $2.091M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $16.16M $18.77M $17.60M $15.80M $16.00M
YoY Change -13.9% 6.64% 11.39% -1.25%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $18.84M $19.10M $4.100M $2.700M $4.200M
YoY Change -1.34% 365.76% 51.85% -35.71%
Total Long-Term Assets
YoY Change
Total Assets $2.485B $2.287B $2.143B $1.665B $1.230B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $27.32M $23.86M $23.00M $17.90M $16.40M
YoY Change 14.5% 3.75% 28.49% 9.15%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $27.32M $23.86M $23.00M $17.90M $16.40M
YoY Change 14.5% 3.75% 28.49% 9.15%
Long-Term Debt $19.52M $19.45M $22.40M $22.30M $3.000M
YoY Change 0.38% -13.18% 0.45% 643.33%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $19.52M $19.45M $22.40M $22.30M $3.000M
YoY Change 0.38% -13.18% 0.45% 643.33%
Total Liabilities $2.320B $2.149B $1.960B $1.530B $1.108B
YoY Change 7.95% 9.67% 28.13% 38.1%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019
Basic Shares Outstanding 5.629M 5.622M 4.969M 4.509M
Diluted Shares Outstanding 5.629M 5.622M 4.969M 4.509M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $333.47 Million

About Orange County Bancorp, Inc. /DE/

Orange County Bancorp, Inc. operates as a holding company, which engages in the provision of commercial and consumer banking products and services and trust and wealth management. The company is headquartered in Middletown, New York and currently employs 197 full-time employees. The company went IPO on 2001-07-31. Through its subsidiaries, Orange Bank & Trust Company, a New York state-chartered trust company (the Bank) and Hudson Valley Investment Advisors, Inc., an investment advisor (HVIA), the Company offers full- service commercial and consumer banking products and services and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments and individuals in the Lower Hudson Valley region, the New York metropolitan area and nearby markets in Connecticut and New Jersey. Its segments include Banking Business and Wealth Management. The Banking Business segment involves the delivery of loan and deposit products to its customers through the Bank. The Wealth Management segment, which includes asset management and trust services to individuals and institutions through HVIA and the Bank, which provides trust and investment management fee income in its wealth management business segment.

Industry: State Commercial Banks Peers: Bankwell Financial Group, Inc. Community West Bancshares COLONY BANKCORP INC EVANS BANCORP INC FIDELITY D & D BANCORP INC First Guaranty Bancshares, Inc. NORWOOD FINANCIAL CORP PNC FINANCIAL SERVICES GROUP, INC. River Financial Corp