Stocktoria
Orange County Bancorp, Inc. /DE/ OBT
Nasdaq · XNAS · stock · State Commercial Banks · website · IPO 2001-07-31
Chart by TradingView
4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
17.1%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $41.6M | $27.9M | $29.5M | $24.4M | $21.3M |
| Operating cash flow | $43.8M | $34.6M | $44.5M | $30.5M | $20.3M |
| Free cash flow | $41.3M | $32.9M | $41.0M | $28.9M | $18.4M |
| Total assets | $2.7B | $2.5B | $2.5B | $2.3B | $2.1B |
| Total liabilities | $2.4B | $2.3B | $2.3B | $2.1B | $2.0B |
| Shareholders' equity | $284.4M | $185.5M | $165.4M | $138.1M | $182.8M |
| Ratios | |||||
| Return on assets | 1.6% | 1.1% | 1.2% | 1.1% | 1.0% |
| Return on equity | 14.6% | 15.0% | 17.8% | 17.6% | 11.6% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 22,900 | $732,342 |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001754226 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.