Orange County Bancorp Inc
Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The co… Read more
Orange County Bancorp Inc (OBT) - Net Assets
Latest net assets as of September 2025: $284.36 Million USD
Based on the latest financial reports, Orange County Bancorp Inc (OBT) has net assets worth $284.36 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.66 Billion) and total liabilities ($2.38 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $284.36 Million |
| % of Total Assets | 10.69% |
| Annual Growth Rate | 8.38% |
| 5-Year Change | 55.53% |
| 10-Year Change | 207.81% |
| Growth Volatility | 17.99 |
Orange County Bancorp Inc - Net Assets Trend (2011–2025)
This chart illustrates how Orange County Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Orange County Bancorp Inc (2011–2025)
The table below shows the annual net assets of Orange County Bancorp Inc from 2011 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $284.36 Million | +53.27% |
| 2024-12-31 | $185.53 Million | +12.19% |
| 2023-12-31 | $165.38 Million | +19.72% |
| 2022-12-31 | $138.14 Million | -24.45% |
| 2021-12-31 | $182.84 Million | +35.01% |
| 2020-12-31 | $135.42 Million | +10.95% |
| 2019-12-31 | $122.06 Million | +12.46% |
| 2018-12-31 | $108.54 Million | +18.87% |
| 2017-12-31 | $91.31 Million | -1.16% |
| 2016-12-31 | $92.38 Million | -2.72% |
| 2015-12-31 | $94.97 Million | -3.45% |
| 2014-12-31 | $98.36 Million | +4.58% |
| 2013-12-31 | $94.05 Million | -0.82% |
| 2012-12-31 | $94.83 Million | +2.89% |
| 2011-12-31 | $92.17 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Orange County Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 16443400000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $164.43 Million | 57.83% |
| Common Stock | $3.34 Million | 1.18% |
| Other Comprehensive Income | $-47.81 Million | -16.81% |
| Other Components | $164.39 Million | 57.81% |
| Total Equity | $284.36 Million | 100.00% |
Orange County Bancorp Inc Competitors by Market Cap
The table below lists competitors of Orange County Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Longjian Road & Bridge Co Ltd
SHG:600853
|
$333.96 Million |
|
EirGenix Inc.
TW:6589
|
$334.08 Million |
|
BANDWID.INC. CL.A DL-001
F:5XB
|
$334.09 Million |
|
Nano Dimension Ltd
NASDAQ:NNDM
|
$334.09 Million |
|
JINS HOLDINGS INC.
F:5F3
|
$333.84 Million |
|
Blue Dart Express Limited
NSE:BLUEDART
|
$333.76 Million |
|
Chrysos Corporation Ltd
AU:C79
|
$333.68 Million |
|
Multipolar Technology Tbk
JK:MLPT
|
$333.67 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Orange County Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 185,531,000 to 284,364,000, a change of 98,833,000 (53.3%).
- Net income of 41,614,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 19,944,000.
- Other factors increased equity by 37,275,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $41.61 Million | +14.63% |
| Other Comprehensive Income | $19.94 Million | +7.01% |
| Other Changes | $37.27 Million | +13.11% |
| Total Change | $- | 53.27% |
Book Value vs Market Value Analysis
This analysis compares Orange County Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.38x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2011-12-31 | $23.43 | $31.40 | x |
| 2012-12-31 | $24.15 | $31.40 | x |
| 2013-12-31 | $24.02 | $31.40 | x |
| 2014-12-31 | $25.13 | $31.40 | x |
| 2015-12-31 | $24.27 | $31.40 | x |
| 2016-12-31 | $23.60 | $31.40 | x |
| 2017-12-31 | $11.66 | $31.40 | x |
| 2018-12-31 | $13.45 | $31.40 | x |
| 2019-12-31 | $13.61 | $31.40 | x |
| 2020-12-31 | $15.02 | $31.40 | x |
| 2021-12-31 | $18.40 | $31.40 | x |
| 2022-12-31 | $12.29 | $31.40 | x |
| 2023-12-31 | $14.69 | $31.40 | x |
| 2024-12-31 | $16.41 | $31.40 | x |
| 2025-12-31 | $22.73 | $31.40 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Orange County Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.63%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.32%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.35x
- Recent ROE (14.63%) is above the historical average (9.18%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2011 | 8.25% | 24.64% | 0.05x | 6.92x | $-1.62 Million |
| 2012 | 8.20% | 30.70% | 0.04x | 7.00x | $-1.70 Million |
| 2013 | 6.92% | 24.50% | 0.04x | 7.21x | $-2.90 Million |
| 2014 | 6.30% | 21.82% | 0.04x | 7.38x | $-3.64 Million |
| 2015 | -0.17% | -0.47% | 0.04x | 8.66x | $-9.66 Million |
| 2016 | 3.94% | 9.50% | 0.04x | 9.85x | $-5.60 Million |
| 2017 | 2.57% | 5.55% | 0.04x | 10.52x | $-6.78 Million |
| 2018 | 6.96% | 15.77% | 0.04x | 9.81x | $-3.30 Million |
| 2019 | 9.41% | 19.95% | 0.05x | 10.07x | $-725.30K |
| 2020 | 8.62% | 18.13% | 0.04x | 12.29x | $-1.86 Million |
| 2021 | 11.64% | 28.01% | 0.04x | 11.72x | $3.00 Million |
| 2022 | 17.64% | 25.38% | 0.04x | 16.56x | $10.55 Million |
| 2023 | 17.82% | 22.49% | 0.05x | 15.03x | $12.94 Million |
| 2024 | 15.03% | 19.49% | 0.06x | 13.53x | $9.33 Million |
| 2025 | 14.63% | 26.32% | 0.06x | 9.35x | $13.18 Million |
Industry Comparison
This section compares Orange County Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Orange County Bancorp Inc (OBT) | $284.36 Million | 8.25% | 8.35x | $333.88 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |