Orange County Bancorp (Orange County Bancorp) Accounts Receivable : $5.9 Mil (As of Dec. 2023)

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What is Orange County Bancorp Accounts Receivable?

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Orange County Bancorp's accounts receivables for the quarter that ended in Dec. 2023 was $5.9 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Orange County Bancorp's Days Sales Outstanding for the quarter that ended in Dec. 2023 was 20.94.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Orange County Bancorp's Net-Net Working Capital per share for the quarter that ended in Dec. 2023 was $-296.98.

Orange County Bancorp Accounts Receivable Historical Data

The historical data trend for Orange County Bancorp's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Orange County Bancorp Accounts Receivable Chart

Orange County Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Accounts Receivable

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3.20

6.30

6.64

6.32

5.93

Orange County Bancorp Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Accounts Receivable	Get a 7-Day Free Trial															5.96	5.81	6.33	5.93	10.14

Orange County Bancorp Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Orange County Bancorp Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Orange County Bancorp's Days Sales Outstanding for the quarter that ended in Dec. 2023 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	5.934	/	25.861	*	91
=	20.94

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Orange County Bancorp's accounts receivable are only considered to be worth 75% of book value:

Orange County Bancorp's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2023 is calculated as:

	Net-Net Working Capital Per Share
=	(Cash And Cash Equivalents	+	0.75 * Accounts Receivable	+	0.5 * Total Inventories	-	Total Liabilities
-	Preferred Stock	-	Minority Interest)	/	Shares Outstanding (EOP)
=	(637.331	+	0.75 * 5.934	+	0.5 * 0	-	2320.092
-	0	-	0)	/	5.65131
=	-296.98

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Orange County Bancorp Accounts Receivable Related Terms

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Orange County Bancorp (Orange County Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Orange County Bancorp Inc (NAS:OBT) » Definitions » Accounts Receivable

Comparable Companies

Traded in Other Exchanges

N/A

Address

212 Dolson Avenue, Middletown, NY, USA, 10940

Website

https://www.orangebanktrust.com

Orange County Bancorp Inc provides banking services. Its services include personal banking services such as personal loans, personal savings, business loans, business savings, and internet banking among others. The company provides commercial and consumer banking services to individuals, small businesses and local municipal governments as well as trust and investment services through the Bank and HVIA. Its segment includes banking and wealth management. The company generates maximum revenue from the banking segment.

Executives

Stephen Rooney	officer: SVP, Co-Chief Credit Officer	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Michael Listner	officer: SVP and CCO	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Michael J Coulter	officer: EVP and CLO	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Gregory Sousa	officer: EVP and CCBO	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Olga Luz Tirado	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Joseph A Ruhl	officer: Reg Pres, Westchester County	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Gustave J Scacco	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Michael J Gilfeather	director, officer: President and CEO	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Terry R Saturno	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940
William D Morrison	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940
David P Dineen	officer: SVP, Dir. Wealth Services	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Louis Heimbach	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Kevin J Keane	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Jonathan F Rouis	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940
Gregory F Holcombe	director	212 DOLSON AVENUE, MIDDLETOWN NY 10940