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STOCKS

Orange County Bancorp (OBT)

NASDAQ:OBT

OBT

Orange County Bancorp

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Orange County Bancorp (OBT) Ratios

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65 Followers

Orange County Bancorp Ratios

OBT's free cash flow for Q4 2025 was $0.79. For the 2025 fiscal year, OBT's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.12	0.12	0.27	0.28	0.29
Quick Ratio	0.12	0.12	0.27	0.28	0.29
Cash Ratio	0.11	0.11	0.07	0.07	0.04
Solvency Ratio	0.02	0.02	0.01	0.01	0.01
Operating Cash Flow Ratio	<0.01	<0.01	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	$ -2.16B	$ -2.16B	$ -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	0.12	0.12	0.77	1.54	1.09
Debt-to-Capital Ratio	0.11	0.11	0.44	0.61	0.52
Long-Term Debt-to-Capital Ratio	0.11	0.11	0.14	0.15	0.12
Financial Leverage Ratio	9.35	9.35	13.53	15.03	16.56
Debt Service Coverage Ratio	1.39	1.35	0.20	0.12	0.19
Interest Coverage Ratio	1.67	1.67	0.98	1.26	4.94
Debt to Market Cap	0.08	0.10	0.46	0.75	0.58
Interest Debt Per Share	4.91	5.23	15.80	25.17	13.97
Net Debt to EBITDA	-3.21	-3.29	-0.20	2.73	2.03
Profitability Margins
Gross Profit Margin	75.53%	75.54%	69.83%	71.58%	83.70%
EBIT Margin	32.62%	32.60%	24.33%	28.34%	31.54%
EBITDA Margin	33.49%	32.60%	25.69%	29.84%	33.30%
Operating Profit Margin	32.62%	32.60%	24.33%	28.34%	31.54%
Pretax Profit Margin	32.62%	32.60%	24.33%	28.34%	31.54%
Net Profit Margin	26.33%	26.32%	19.49%	22.49%	25.38%
Continuous Operations Profit Margin	26.33%	26.32%	19.49%	22.49%	25.38%
Net Income Per EBT	80.72%	80.72%	80.08%	79.35%	80.47%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.56%	1.56%	1.11%	1.19%	1.07%
Return on Equity (ROE)	16.51%	14.63%	15.03%	17.82%	17.64%
Return on Capital Employed (ROCE)	5.94%	5.94%	14.32%	16.72%	19.21%
Return on Invested Capital (ROIC)	4.80%	4.80%	7.82%	6.60%	8.43%
Return on Tangible Assets	1.57%	1.57%	1.11%	1.19%	1.07%
Earnings Yield	9.97%	11.65%	8.88%	8.69%	9.30%
Efficiency Ratios
Receivables Turnover	15.22	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	10.21	10.21	9.05	8.11	5.12
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.10	-0.10	-0.09	-0.08	-0.07
Cash Conversion Cycle	23.98	23.97	17.04	16.52	24.03
Days of Sales Outstanding	23.98	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	23.98	23.97	17.04	16.52	24.03
Cash Flow Ratios
Operating Cash Flow Per Share	0.69	0.73	3.06	3.95	2.71
Free Cash Flow Per Share	0.42	0.73	2.91	3.64	2.57
CapEx Per Share	0.27	0.00	0.15	0.31	0.14
Free Cash Flow to Operating Cash Flow	0.61	1.00	0.95	0.92	0.95
Dividend Paid and CapEx Coverage Ratio	0.86	1.29	4.90	5.10	4.91
Capital Expenditure Coverage Ratio	2.59	0.00	20.00	12.58	19.73
Operating Cash Flow Coverage Ratio	0.27	0.27	0.24	0.18	0.20
Operating Cash Flow to Sales Ratio	0.06	0.06	0.24	0.34	0.32
Free Cash Flow Yield	1.35%	2.57%	10.47%	12.08%	11.05%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.03	8.58	11.27	11.50	10.75
Price-to-Sales (P/S) Ratio	2.65	2.26	2.20	2.59	2.73
Price-to-Book (P/B) Ratio	1.47	1.26	1.69	2.05	1.90
Price-to-Free Cash Flow (P/FCF) Ratio	74.17	38.90	9.56	8.28	9.05
Price-to-Operating Cash Flow Ratio	45.46	38.90	9.08	7.62	8.59
Price-to-Earnings Growth (PEG) Ratio	1.01	0.25	-1.97	0.55	7.67
Price-to-Fair Value	1.47	1.26	1.69	2.05	1.90
Enterprise Value Multiple	4.70	3.64	8.35	11.40	10.22
Enterprise Value	248.57M	187.45M	306.87M	445.73M	326.72M
EV to EBITDA	4.70	3.64	8.35	11.40	10.22
EV to Sales	1.57	1.19	2.14	3.40	3.40
EV to Free Cash Flow	44.08	20.42	9.33	10.88	11.29
EV to Operating Cash Flow	27.07	20.42	8.87	10.02	10.72
Tangible Book Value Per Share	20.87	22.26	15.87	14.12	11.69
Shareholders’ Equity Per Share	21.32	22.73	16.41	14.69	12.29
Tax and Other Ratios
Effective Tax Rate	0.19	0.19	0.20	0.21	0.20
Revenue Per Share	11.85	12.64	12.66	11.64	8.54
Net Income Per Share	3.12	3.33	2.47	2.62	2.17
Tax Burden	0.81	0.81	0.80	0.79	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	0.26	0.27	0.27	0.27	0.32
Stock-Based Compensation to Revenue	<0.01	<0.01	0.01	<0.01	<0.01
Income Quality	0.22	0.22	1.24	1.51	1.25

Currency in USD