ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Orange County Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 16.61%
2
Positive results in Dec 25
- NII(Q) Highest at USD 28.34 MM
- ROCE(HY) Highest at 1.61%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.65%, it has a expensive valuation with a 1.31 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 29.28%, its profits have fallen by -14.8%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Orange County Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Orange County Bancorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Orange County Bancorp, Inc.
29.28%
0.91
35.95%
S&P 500
20.12%
1.04
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.22%
EBIT Growth (5y)
23.12%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
17.13%
Pledged Shares
0
Institutional Holding
59.78%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.31
EV to EBIT
5.48
EV to EBITDA
5.26
EV to Capital Employed
1.63
EV to Sales
1.55
PEG Ratio
NA
Dividend Yield
1.35%
ROCE (Latest)
29.82%
ROE (Latest)
11.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at USD 28.34 MM
ROCE(HY)
Highest at 1.61%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 35.32 MM
PRE-TAX PROFIT(Q)
Highest at USD 13.66 MM
NET PROFIT(Q)
Highest at USD 12.43 MM
EPS(Q)
Highest at USD 0.93
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 30.09 MM
ROCE(HY)
Lowest at 1.61%
Here's what is working for Orange County Bancorp, Inc.
NII
Highest at USD 28.34 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 35.32 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 13.66 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 13.66 MM has Grown at 52.33%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 12.43 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 12.43 MM has Grown at 73.51%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.93
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 17.33%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Orange County Bancorp, Inc.
Operating Cash Flow
Lowest at USD 30.09 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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