Orange County Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Orange County Bancorp has total assets of $2.5B and total equity of $193.1M. Total deposits are $2.1B, and total loans are $1.8B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $160.9M.
Key information
13x
Asset to equity ratio
3.8%
Net interest margin
| Total deposits | US$2.14b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$160.87m |
Recent financial health updates
Recent updates
Orange County Bancorp (NASDAQ:OBT) Is Paying Out A Larger Dividend Than Last Year
Nov 28
Orange County Bancorp (NASDAQ:OBT) Has Announced A Dividend Of $0.23
Aug 22Orange County Bancorp (NASDAQ:OBT) Is Due To Pay A Dividend Of $0.23
May 23Here's Why We Think Orange County Bancorp (NASDAQ:OBT) Is Well Worth Watching
Feb 06Orange County Bancorp declares $0.20 dividend
Aug 18Orange County Bancorp GAAP EPS of $0.38 misses by $0.58, revenue of $20.47M beats by $0.47M
Aug 01Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OBT's Assets to Equity ratio (13x) is moderate.
Allowance for Bad Loans: OBT has a sufficient allowance for bad loans (278%).
Low Risk Liabilities: 92% of OBT's liabilities are made up of primarily low risk sources of funding.
Loan Level: OBT has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: OBT's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: OBT has an appropriate level of bad loans (0.6%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 16:06 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Orange County Bancorp, Inc. is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Alexander Roberts Twerdahl | Piper Sandler Companies |
| Mark Fitzgibbon | Piper Sandler Companies |
| null null | Stephens, Inc. |