| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Revenue (k) | $53,461 | $64,429 | $84,223 | $117,770 | $127,227 | $134,982 |
| Interest Income (k) | $48,739 | $60,461 | $78,088 | $88,391 | $91,766 | $104,056 |
| Operating Margins | 27% | 41% | 36% | 32% | 27% | 38% |
| Net Margins | 22% | 33% | 28% | 25% | 22% | 31% |
| Net Income (k) | $11,679 | $21,287 | $24,363 | $29,478 | $27,883 | $41,614 |
| Depreciation & Amort. (k) | $325 | $1,375 | $1,407 | $1,681 | $1,661 | $1,543 |
| Diluted Shares (k) | 4,509 | 4,969 | 5,622 | 11,258 | 11,303 | 12,509 |
| Earnings Per Share | $2.59 | $4.28 | $4.33 | $2.62 | $2.47 | $3.33 |
| EPS Growth | n/a | 65.25% | 1.17% | -39.49% | -5.73% | 34.82% |
| Free Cash Flow (k) | $2,657 | $18,361 | $28,938 | $40,964 | $32,873 | $41,333 |
| CAPEX (k) | $108 | $1,959 | $1,545 | $3,536 | $1,730 | $2,516 |
Orange County Bancorp Inc. is a company that appears to be fairly valued. The company has shown strong revenue growth, with a 18.0% annualized growth rate, and is reinvesting its profits back into the business with a 19.5% increase in capital expenditures. Orange County Bancorp also boasts impressive net margins of 30.83%, outperforming the Banking industry average of 22.36%. The company's earnings per share have grown at an annualized rate of 4.3% over the last 6 years, while its PEG ratio of 1.64 suggests that the market may be overvaluing its growth potential.
In terms of valuation, Orange County Bancorp's P/E ratio of 10.1 is lower than both the Finance sector average of 15.92 and the S&P500 average of 29.3. With an earnings guidance of $3.83 per share, the company implies a forward P/E ratio of 9.0. Additionally, the firm has a solid track record of dividends over the last 6 years, with a current yield of 1.8%. The company's free cash flows have averaged $27.52 million over the last 5 years, with a compounded average growth rate of 31.5%. The Price to Book Ratio of 1.58 also aligns with the sector average of 1.78.
