OBT Valuation

Orange County Bancorp Inc

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24.500

0(0.000%)1D

Overview
Forecast
Valuation
Earnings

OBT Relative Valuation

OBT's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, OBT is overvalued; if below, it's undervalued.

Historical Valuation

Orange County Bancorp Inc (OBT) is now in the Fair zone, suggesting that its current forward PE ratio of 8.69 is considered Fairly compared with the five-year average of 9.03. The fair price of Orange County Bancorp Inc (OBT) is between 22.96 to 27.76 according to relative valuation methord.

Relative Value

Fair Zone

22.96-27.76

Current Price：24.50

Fair

8.69

Trailing

Forward

0.00

EV/EBITDA

Orange County Bancorp Inc. (OBT) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Orange County Bancorp Inc. (OBT) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.77

Orange County Bancorp Inc. (OBT) has a current PS of 2.77. The 5-year average PS is 2.55. The thresholds are as follows: Strongly Undervalued below 1.76, Undervalued between 1.76 and 2.16, Fairly Valued between 2.95 and 2.16, Overvalued between 2.95 and 3.35, and Strongly Overvalued above 3.35. The current Forward PS of 2.77 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Orange County Bancorp Inc. (OBT) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Orange County Bancorp Inc. (OBT) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Orange County Bancorp Inc (OBT) has a current Price-to-Book (P/B) ratio of 1.30. Compared to its 3-year average P/B ratio of 1.65 , the current P/B ratio is approximately -21.49% higher. Relative to its 5-year average P/B ratio of 1.49, the current P/B ratio is about -12.76% higher. Orange County Bancorp Inc (OBT) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 11.43%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 10.14% , the current FCF yield is about -100.00% lower.

1.30

P/B

Median3y

1.65

Median5y

1.49

6.16

FCF Yield

Median3y

11.43

Median5y

10.14

Competitors Valuation Multiple

The average P/S ratio for OBT's competitors is 0.00, providing a benchmark for relative valuation. Orange County Bancorp Inc Corp (OBT) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 11.80%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

OBT.O

Orange County Bancorp Inc

Commercial BancGroup Inc

West Bancorporation Inc

Bankwell Financial Group Inc

Loss

19.68%

340.70M

Performance Decomposition

Market capitalization of OBT decreased by 7.41% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 29.41 to 33.51.

The secondary factor is the Revenue Growth, contributed 11.80%to the performance.

Overall, the performance of OBT in the past 1 year is driven by Margin Expansion. Which is more sustainable.

11.80%

27.93M → 31.22M

Revenue Growth

13.94%

29.41 → 33.51

Margin Expansion

-33.15%

14.26 → 9.53

P/E Change

-7.41%