OTCPK:OCBI

Stock Analysis Report

Orange County Bancorp

Executive Summary

Orange County Bancorp, Inc., a bank holding company, provides commercial and consumer banking services to individuals, small businesses, and local municipal governments.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Orange County Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Orange County Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-4.4%

OTCPK:OCBI

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-6.4%

OTCPK:OCBI

-16.1%

US Banks

-3.0%

US Market

OCBI outperformed the Banks industry which returned -16.1% over the past year.

OCBI underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

OCBIIndustryMarket
7 Day-4.4%-1.8%-1.6%
30 Day2.8%-10.6%-5.8%
90 Day0.9%-5.0%0.2%
1 Year-3.5%-6.4%-13.7%-16.1%-0.8%-3.0%
3 Year28.8%17.2%37.9%28.5%38.0%29.1%
5 Year58.0%37.5%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Orange County Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Orange County Bancorp undervalued based on future cash flows and its price relative to the stock market?

12.15x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Orange County Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Orange County Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Orange County Bancorp is overvalued based on earnings compared to the US Banks industry average.

Orange County Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Orange County Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Orange County Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Orange County Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

7.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Orange County Bancorp is high growth as no revenue estimate data is available.

Orange County Bancorp's earnings are expected to grow by 7.3% yearly, however this is not considered high growth (20% yearly).

Unable to compare Orange County Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Orange County Bancorp's earnings growth is positive but not above the United States of America market average.

Orange County Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Orange County Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Orange County Bancorp performed over the past 5 years?

27.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Orange County Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Orange County Bancorp's 1-year earnings growth exceeds its 5-year average (202.1% vs 27.4%)

Orange County Bancorp's earnings growth has exceeded the US Banks industry average in the past year (202.1% vs 33.1%).


Return on Equity

Orange County Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Orange County Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Orange County Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Orange County Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Orange County Bancorp has an acceptable proportion of non-loan assets held.

Orange County Bancorp has a sufficient allowance for bad loans.

Orange County Bancorp's liabilities are made up of primarily low risk sources of funding.

Orange County Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Orange County Bancorp are broadly funded by customer deposits.

Orange County Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Orange County Bancorp's current dividend yield, its reliability and sustainability?

2.96%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Orange County Bancorp before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Orange County Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Orange County Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Orange County Bancorp has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

Orange County Bancorp has only been paying a dividend for 6 years, and since then dividends per share have fallen.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.8x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Orange County Bancorp's salary, the management and board of directors tenure and is there insider trading?

5.1yrs

Average management tenure


CEO

Mike Gilfeather (61yo)

5.3yrs

Tenure

0

Mr. Michael J. Gilfeather, also known as Mike, has been Chief Executive Officer and President of Orange Bank & Trust Company since April 7, 2014 and its Director since 2014. Mr. Gilfeather served as the Ch ...


Management Age and Tenure

5.1yrs

Average Tenure

The average tenure for the Orange County Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

10.1yrs

Average Tenure

The average tenure for the Orange County Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Robert Peacock

    Executive VP & CFO

    • Tenure: 0.0yrs
  • John Bartolotta

    Executive VP & Regional President of Rockland County

    • Tenure: 0.0yrs
  • Mike Gilfeather (61yo)

    President

    • Tenure: 5.3yrs
  • Greg Sousa

    Senior VP & Senior Relationship Manager

    • Tenure: 0.4yrs
  • Tim McCausland

    Managing Director of Private Banking

    • Tenure: 0.0yrs
  • Chris Hayden

    Senior VP & COO

    • Tenure: 5.1yrs
  • Joseph Ruhl

    Executive VP & Regional President of Westchester County

    • Tenure: 0.0yrs
  • Pam Jones

    1st VP & Human Resources Officer

    • Tenure: 0.0yrs
  • Kathryn Maloney

    Senior VP & Trust Services Director

    • Tenure: 0.0yrs
  • Jayne Rzeczkowski

    1st VP, Corporate Secretary & Compliance Officer

    • Tenure: 0.0yrs

Board Members

  • Greg Holcombe (57yo)

    Director

    • Tenure: 2.2yrs
  • Mike Gilfeather (61yo)

    President

    • Tenure: 5.3yrs
  • Susan Metzger

    Director

    • Tenure: 4.1yrs
  • Terry Saturno

    Director

    • Tenure: 12.6yrs
  • Lou Heimbach

    Chairman of the Board

    • Tenure: 7.6yrs
  • Ginny Rizzo

    Director

    • Tenure: 12.6yrs
  • Dave DeWilde

    Director

    • Tenure: 12.6yrs
  • Paul McDermott

    Director

    • Tenure: 12.6yrs
  • Will Morrison

    Director

    • Tenure: 12.6yrs
  • Richard Rowley

    Director

    • Tenure: 4.1yrs

Company Information

Orange County Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Orange County Bancorp, Inc.
  • Ticker: OCBI
  • Exchange: OTCPK
  • Founded: 1892
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$121.931m
  • Shares outstanding: 4.47m
  • Website: https://orangebanktrust.com

Number of Employees


Location

  • Orange County Bancorp, Inc.
  • 212 Dolson Avenue
  • Middletown
  • New York
  • 10940
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
OCBIOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 1993

Biography

Orange County Bancorp, Inc., a bank holding company, provides commercial and consumer banking services to individuals, small businesses, and local municipal governments. It accepts checking and savings acc ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 00:11
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.