ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Orange County Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 15.56%
2
Positive results in Jun 25
- NII(Q) Highest at USD 25.14 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET SALES(Q) Highest at USD 33.22 MM
3
With ROA of 0.60%, it has a expensive valuation with a 1.59 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 -8.22%, its profits have fallen by -23.2%
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?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Orange County Bancorp, Inc.
-6.92%
0.30
62.08%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.26%
EBIT Growth (5y)
17.67%
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
19.05%
Pledged Shares
0
Institutional Holding
46.98%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.59
EV to EBIT
6.07
EV to EBITDA
5.81
EV to Capital Employed
2.45
EV to Sales
1.56
PEG Ratio
NA
Dividend Yield
0.92%
ROCE (Latest)
40.39%
ROE (Latest)
13.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at USD 25.14 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 33.22 MM
OPERATING PROFIT(Q)
Highest at USD 14.32 MM
OPERATING PROFIT MARGIN(Q)
Highest at 43.09 %
PRE-TAX PROFIT(Q)
Highest at USD 13.59 MM
NET PROFIT(Q)
Highest at USD 10.46 MM
EPS(Q)
Highest at USD 0.87
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 22.97 MM
Here's what is working for Orange County Bancorp, Inc.
NII
Highest at USD 25.14 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 33.22 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 14.32 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 43.09 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 13.59 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 10.46 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.87
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 16.36%
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 22.97 MM
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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