Orange County Bancorp, Inc.

OBT

OBTOrange County Bancorp, Inc. US flag

NASDAQ

37.62

USD

+0.23

- -

504.41MMarket Cap

Income Statement (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	30	34	39	45	53	60	72	90	102	108	127
+ Sales & Services Revenue	30	34	39	45	53	60	72	90	102	108	127
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	17	18	20	21	23	25	26	32	37	40	43
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-17	-18	-20	-21	-23	-25	-26	-32	-37	-40	-43
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	2	-4	-7	-9	-14	-15	-27	-30	-37	-35	-52
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	2	-4	-7	-9	-14	-15	-27	-30	-37	-35	-52
Pretax Income	-2	4	7	9	14	15	27	30	37	35	52
- Income Tax Expense (Benefit)	-2	1	4	2	3	3	5	6	8	7	10
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	- -	4	2	8	11	12	21	24	29	28	42
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	- -	4	2	8	11	12	21	24	29	28	42
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	- -	4	2	8	11	12	21	24	29	28	42
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	- -	4	2	8	11	12	21	24	29	28	42
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	2	2	2	2	2	2
EBITDA Margin (%)	3.05	2.93	3.71	3.1	2.8	2.61	2.3	1.88	1.93	1.81	1.44
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	-0.54	10.58	5.95	16.75	21.78	19.56	29.55	27.11	28.99	25.91	32.74
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.41	0.41	0.41	0.4	0.4	0.4	0.41	0.42	0.46	0.47	0.57
Depreciation Expense	1	1	1	1	1	2	2	2	2	2	2
Basic Weighted Avg Shares	8	8	8	8	9	9	10	11	11	11	13
Basic EPS, GAAP	-0.02	0.46	0.3	0.94	1.28	1.3	2.14	2.17	2.62	2.47	3.33
Basic EPS from Cont Ops	-0.02	0.46	0.3	0.94	1.28	1.3	2.14	2.17	2.62	2.47	3.33
Diluted Weighted Avg Shares	8	8	8	8	9	9	10	11	11	11	13
Diluted EPS, GAAP	-0.02	0.46	0.3	0.94	1.28	1.3	2.14	2.17	2.62	2.47	3.33
Diluted EPS from Cont Ops	-0.02	0.46	0.3	0.94	1.28	1.3	2.14	2.17	2.62	2.47	3.33

Balance Sheet (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	320	307	328	274	280	451	771	620	637	295	363
+ Cash & Cash Equivalents	16	27	30	18	25	121	306	86	147	150	204
+ ST Investments	305	279	298	256	255	330	465	533	490	144	158
+ Accounts & Notes Receiv	2	3	3	3	3	6	7	6	6	7	10
+ Accounts Receivable, Net	2	3	3	3	3	6	7	6	6	7	10
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-323	-309	-331	-277	-283	-458	-778	-626	-643	-301	-373
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	14	14	14	14	15	14	15	15	16	16	15
+ Property, Plant & Equip	23	24	24	26	27	28	30	31	34	34	34
- Accumulated Depreciation	9	10	11	12	13	14	15	16	18	18	19
+ LT Investments & Receivables	305	279	298	256	255	330	465	533	490	144	158
+ LT Investments	305	279	298	256	255	330	465	533	490	144	158
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-319	-294	-311	-269	-270	-344	-479	-548	-506	-160	-174
+ Total Intangible Assets	9	8	8	8	8	7	7	7	6	6	6
+ Goodwill	5	5	5	5	5	5	5	5	5	5	5
+ Other Intangible Assets	3	3	3	3	2	2	2	1	1	1	1
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-328	-302	-320	-277	-277	-351	-486	-555	-513	-166	-180
Total Assets	823	910	961	1,065	1,230	1,665	2,143	2,287	2,485	2,510	2,659
+ Payables & Accruals	16	17	14	13	16	18	23	24	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	16	17	14	13	16	18	23	24	- -	- -	- -
+ ST Debt	- -	25	- -	- -	- -	- -	- -	132	224	114	- -
+ ST Borrowings	- -	25	- -	- -	- -	- -	- -	132	224	114	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-16	-42	-14	-13	-16	-18	-23	-155	-224	-114	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-16	-42	-14	-13	-16	-18	-23	-155	-224	-114	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	73	63	23	39	8	22	22	19	30	30	35
+ LT Borrowings	73	63	23	39	8	22	22	19	30	30	35
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-73	-63	-23	-39	-8	-22	-22	-19	-30	-30	-35
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-73	-63	-23	-39	-8	-22	-22	-19	-30	-30	-35
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	728	817	869	956	1,107	1,530	1,960	2,149	2,320	2,324	2,375
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	72	71	71	88	87	87	123	123	123	124	168
+ Common Stock	1	1	2	2	2	2	3	3	3	3	3
+ Additional Paid in Capital	71	70	69	85	85	85	120	120	120	121	165
- Treasury Stock	2	2	1	1	1	1	1	1	1	- -	- -
+ Retained Earnings	27	27	27	31	40	48	65	85	107	130	164
+ Other Equity	-2	-4	-5	-9	-4	2	-3	-68	-64	-68	-48
Equity Before Minority Interest	95	92	91	109	122	135	183	138	165	186	284
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	95	92	91	109	122	135	183	138	165	186	284
Total Liabilities & Equity	823	910	961	1,065	1,230	1,665	2,143	2,287	2,485	2,510	2,659
Shares Outstanding	9	9	9	9	9	9	11	11	11	11	13
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	58	61	-7	20	-17	-99	-284	65	107	-7	-170
Net Debt to Equity	60.68	65.84	-7.78	18.59	-14.02	-73.04	-155.22	46.96	64.48	-3.9	-59.67
Tangible Common Equity Ratio	10.59	9.31	8.73	9.52	9.37	7.73	8.23	5.76	6.41	7.16	10.49
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	- -	4	2	8	11	12	21	24	29	28	42
+ Depreciation & Amortization	1	1	1	1	1	2	2	2	2	2	2
+ Non-Cash Items	4	2	7	4	3	4	-2	6	6	8	3
+ Stock-Based Compensation	- -	- -	- -	- -	- -	1	1	1	1	2	1
+ Deferred Income Taxes	-1	-1	3	- -	- -	- -	- -	-1	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	5	3	3	4	3	3	-2	7	5	6	2
+ Chg in Non-Cash Work Cap	2	3	-2	-1	-2	-6	-1	-2	7	-3	-2
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	-3	- -	- -	- -	-1	-4
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	2	3	-2	-1	-2	-3	-1	-2	7	-2	1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	7	9	8	12	14	11	20	30	44	35	44
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-2	-1	-2	-1	-2	-2	-4	-2	-3
+ Acq of Fixed Prod Assets	-1	-1	-2	-1	-2	-1	-2	-2	-4	-2	-3
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	16	- -	-1	35	- -	- -	-1	43
+ Increase in Capital Stock	- -	- -	- -	16	- -	- -	35	- -	- -	- -	43
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	-1	- -	- -	- -	-1	- -
+ Net Change in LT Investment	11	17	-22	36	4	-71	-144	-145	42	40	46
+ Dec in LT Investment	113	75	124	70	103	148	114	66	49	46	69
+ Inc in LT Investment	-102	-57	-147	-34	-99	-219	-258	-212	-7	-5	-23
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-107	-100	-34	-168	-152	-259	-145	-287	-184	-68	-120
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-98	-83	-58	-133	-151	-331	-291	-434	-145	-29	-74
+ Dividends Paid	-3	-3	-3	-3	-4	-4	-4	-5	-5	-5	-7
+ Net Cash From Debt	- -	15	-90	15	-31	14	- -	128	10	- -	5
+ Cash From Debt	- -	25	- -	26	- -	19	- -	132	10	- -	25
+ Repayments of Debt	- -	-10	-90	-10	-31	-5	- -	-3	- -	- -	-20
+ Other Financing Activities	101	73	146	81	178	406	425	60	157	4	44
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	97	85	52	109	144	416	456	184	162	-2	84
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	6	12	3	-12	7	96	185	-220	61	3	54
EBITDA	1	1	1	1	1	2	2	2	2	2	2
EBITDA Margin (%)	3.05	2.93	3.71	3.1	2.8	2.61	2.3	1.88	1.93	1.81	1.44
Free Cash Flow	6	9	7	11	12	11	18	29	41	33	41
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	9	7	11	12	11	18	29	41	33	41
Free Cash Flow to Equity	- -	24	-83	26	-19	25	18	157	51	33	48
Free Cash Flow per Basic Share	0.74	1.14	0.88	1.31	1.32	1.18	1.85	2.57	3.64	2.91	3.3
Price/Free Cash Flow	11.47	9.19	11.01	8.13	8.46	10.21	8.97	8.18	7.06	8.65	7.7
Cash Flow to Net Income	-43.85	2.58	3.58	1.58	1.2	0.97	0.95	1.25	1.51	1.24	1.05
Capital Expenditures	-1	-1	-2	-1	-2	-1	-2	-2	-4	-2	-3