Orange County Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Orange County Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 88% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 87% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$46Sales grew 41% in 3 years; of every extra $100 of sales, $46 became extra profit.
Higher than 73% of Financial Services companies in United States.
Asset Productivity Ratio
+41% / +16%In 3 years sales changed by +41% while total assets changed by +16%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 88% of Financial Services companies in United States.
Tangible Net Worth Ratio
98%Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 87% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Orange County Bancorp, Inc. owes $0.89 for every $1 it owns. Net profit rose 49% in the year to Dec 2025, and grew 20% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.7Investors pay $10.7 for every $1 of Orange County Bancorp, Inc.'s yearly profit, lower than 72% of Financial Services companies in United States.
P/B ratio
1.67The share price is 1.67 times Orange County Bancorp, Inc.'s book value per share, higher than 74% of Financial Services companies in United States.
Market cap
$513 MThe total market value of all of Orange County Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 58% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$307 MWhat Orange County Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$22.87Net worth divided by the number of shares. The share price of $38.25 is 1.7 times this, which is the P/B above.
Return on equity (ROE)
16.9%Orange County Bancorp, Inc. earned 16.9% on its shareholders' money over the last year, higher than 81% of Financial Services companies in United States.
Owes vs Owns
0.89×Orange County Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 74% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.93%Orange County Bancorp, Inc. pays 1.93% of its share price as dividends a year, lower than 72% of dividend-paying Financial Services companies in United States.
Revenue growth
+18%Revenue rose 18% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Profit growth
+49%Net profit rose 49% in the year to Dec 2025, and grew 20% a year on average over 3 years.
Profit margin
32.7%Orange County Bancorp, Inc. keeps $33 of every $100 of revenue as net profit.
Questions
What is Orange County Bancorp, Inc.'s P/E ratio?
Investors pay $10.7 for every $1 of Orange County Bancorp, Inc.'s yearly profit, lower than 72% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Orange County Bancorp, Inc.: $513 M ÷ $307 M (30 Jun 2026) = 1.7.
What is Orange County Bancorp, Inc.'s return on equity?
Orange County Bancorp, Inc. earned 16.9% on its shareholders' money over the last year, higher than 81% of Financial Services companies in United States.
How much does Orange County Bancorp, Inc. owe compared with what it owns?
Orange County Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 74% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Orange County Bancorp, Inc. pay a dividend?
Yes. Orange County Bancorp, Inc. pays 1.93% of its share price as dividends a year, lower than 72% of dividend-paying Financial Services companies in United States.
Is Orange County Bancorp, Inc.'s revenue growing?
Revenue rose 18% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.