Orange County Bancorp, Inc. — Earnings Quality Grade C
OBT · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 30 days, change +7 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 18.1%, CFFO 26.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 45.4% is >2x revenue growth 18.1%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.05. Profits backed by cash
FCF $0.0B, FCF/NI = 0.99
Accruals ratio = -0.1%. Low accruals
Cash $0.2B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 2% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Orange County Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25