Orange County Bancorp, Inc. cash flow to debt ratio of 126.90% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Orange County Bancorp, Inc.'s free cash flow has increased 25.74% from $32.87M last year to $41.33M, signaling increasing performance

Orange County Bancorp, Inc.'s debt to equity ratio is 0.11, which means that the company's assets are healthy financed, signaling financial stability.

Orange County Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.77 last year to 0.11 today, signaling strengthened financials

Orange County Bancorp, Inc. has a net cash position, so leverage is healthy.

Orange County Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Orange County Bancorp, Inc.'s profit margin has increased (61.40%) in the last year from 19.49% to 31.45%, signaling increasing performance

Orange County Bancorp, Inc.'s short-term liabilities of $2.31B exceed its short-term assets of $372.95M, signaling financial risk

Orange County Bancorp, Inc.'s return on assets of 1.69% is lower than the 5.00% threshold, indicating inefficient asset utilization

Orange County Bancorp, Inc.'s return on equity of 16.44%, is higher than 15.00%, indicating good performance

Orange County Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Orange County Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Orange County Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Orange County Bancorp, Inc. has a free cash flow yield of 8.05%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Orange County Bancorp, Inc.'s yearly earnings has increased 49.25% since last year from $27.88M to $41.61M, signaling increasing performance

Orange County Bancorp, Inc.'s yearly revenue has increased 10.51% since last year from $143.09M to $158.13M, signaling increasing performance

ROIC 12.45% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Orange County Bancorp, Inc.'s 3-year revenue CAGR of 18.10% is positive, indicating growing revenue over the past 3 years

Orange County Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Orange County Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Orange County Bancorp, Inc. is undervalued relative to its fair value price of 67.58 based on Discounted Cash Flow model

Orange County Bancorp, Inc. has an earnings yield of 9.26%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Orange County Bancorp, Inc. is undervalued relative to its fair value price of 40.50 based on EBITDA multiple model

Orange County Bancorp, Inc. has an EV/EBITDA ratio of 3.49x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Orange County Bancorp, Inc. is undervalued relative to its fair value price of 78.22 based on Earnings Fair Value model

Orange County Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Orange County Bancorp, Inc. has a price-to-book ratio of 1.67x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Orange County Bancorp, Inc. has a price-to-sales ratio of 3.40x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue