OBTOrange County Bancorp, Inc. /DE/
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $519M
- Employees
- 235
- Net debt / EBITDA
- —
- AI in 10-K
- 2.2
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo105% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo16% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo0% of assetsOver 40% of assets
- Shareholder dissentNo94% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo2.2 per 10K words · 59th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$519M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$199K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $21M | $24M | $29M | $28M | $42M | 49% |
| Operating cash flow | $20M | $30M | $45M | $35M | $44M | 27% |
| Capex | $2M | $2M | $4M | $2M | $3M | 45% |
| Stock-based comp | $69K | $503K | $818K | $2M | $1M | 35% |
| Dividends | $4M | $5M | $5M | $5M | $7M | 33% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $6K · 1
- Open-market sells, 12 mo
- $205K · 5
- Net
- −$199K
Pay vs performance
No pay-versus-performance disclosure yet.