Orange County Bancorp, Inc. OBT

37.82 0.44 1.18% as of 25 Sep
Market cap
$501.2M
P/E
10.7×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.05
Total sells 0.20
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 — — — — 1 — — — — — —
Sell — — 1 — — — — — — 1 1 —
Insider Ownership 10.92%

Capital & Financial Ratios

Market Cap 501.19
Revenue 153.87
Net Income 47.39
Free Cash Flow 64.67
Net Debt (300.32)
Current Ratio 0.93
Debt/Equity 0.11
P/E ratio 10.65
P/S ratio 3.29
P/B ratio 1.65
Past 5Y EPS Growth 14.02%
This Y EPS Growth 21.88%
Next Y EPS Growth 8.70%
Next 5Y EPS Growth 12.22%
in millions of $

Dividends

Payout Ratio 0.17
Annual Dividend Rate 0.92
Annual Dividend Yield 1.79%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.89
0.18
0.18
0.18
2025 0.71
0.13
0.13
0.13
0.18
2024 0.47
0.12
0.12
0.12
0.13
2023 0.46
0.12
0.12
0.12
0.12
2022 0.42
0.10
0.10
0.10
0.12
2021 0.70
0.20
0.20
0.20
0.10
2020 0.80
0.20
0.20
0.20
0.20
2019 0.80
0.20
0.20
0.20
0.20
2018 0.81
0.20
0.21
0.20
0.20
2017 0.82
0.21
0.21
0.21
0.21
2016 1.03
0.21
0.21
0.21
0.21
0.21
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 147 150 204 335
Receivables — — — —
Inventory — — — —
Other — — — —
1,875 1,947 2,137 2,293
2023 2024 2025 Q'26
Payables 2,039 2,153 2,310 2,431
ST’ Debt — — — —
Other — — — —
2,066 2,181 2,340 2,459
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 19.50% 18.01%
Cash Flow — 31.05% 12.88%
Earnings — 28.93% 19.54%
Book Value — 15.99% 27.21%

Revenue

Mar Jun Sep Dec Year
’26 39 34 — — —
’25 36 41 41 40 158
’24 35 36 36 37 143
’23 30 33 33 35 131
’22 20 21 26 29 96
’21 18 19 20 20 77
’20 14 16 16 16 65
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 10 13 — — —
’25 5 (5) 30 14 44
’24 2 9 10 13 35
’23 8 9 11 16 45
’22 3 7 13 7 30
’21 2 5 7 6 20
’20 — 3 5 — 11
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 10 12 — — —
’25 4 (3) 30 13 44
’24 2 9 10 12 33
’23 6 9 11 16 41
’22 3 7 12 7 29
’21 2 4 7 5 18
’20 — 3 5 — 11
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.85 1.02 — — —
’25 0.77 0.87 0.75 0.93 3.33
’24 0.83 0.73 0.29 0.63 2.47
’23 0.29 0.81 0.81 0.72 2.62
’22 0.48 0.19 0.70 0.81 2.17
’21 0.56 0.58 0.53 0.49 2.14
’20 0.54 0.32 0.32 0.74 1.30
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
11.38 11.50 12.00 13.25 11.00 13.63 16.16 13.44 20.50 20.97

Analyst estimates 2026–2028

Powerpack
Low Price
12.75 14.01 27.90 15.50 15.48 20.86 24.00 32.01 33.06 30.25
High Price
— 150 — 170 — 206 204 197 225 235
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
38 43 49 59 65 77 96 131 143 158
Revenue
89.75% 93.34% 94.28% 91.76% 92.72% 94.82% 93.62% 77.61% 75.24% 80.44%
Gross Margin
4 7 9 14 15 27 30 37 35 52
EBT
11.38% 15.11% 18.84% 23.71% 22.38% 34.86% 31.47% 28.32% 24.31% 32.60%
EBT Margin
4 2 8 11 12 21 24 29 28 42
Net Income
4 4 4 4 4 4 3 3 3 3
Depreciation
4.89 5.50 6.04 6.52 7.19 7.70 8.56 11.65 12.67 12.64
Revenue/Sh
0.46 0.30 0.94 1.23 1.26 2.14 2.17 2.62 2.47 3.33
Earnings/Sh
1.20 1.07 1.48 1.52 1.26 2.04 2.71 3.95 3.06 3.51
Cash Flow/Sh
(0.06) 0.01 (0.18) (0.21) (0.08) (0.20) (0.14) (0.28) (0.12) 0.00
Capex/Sh
1.14 1.08 1.31 1.32 1.18 1.85 2.57 3.68 2.95 3.51
Free CF/Sh
11.80 11.66 13.45 13.42 15.02 18.40 12.29 14.69 16.41 22.73
Book Value/Sh
8 8 8 9 9 10 11 11 11 13
Shares
7.95 7.95 7.95 7.95 7.09 9.33 10.80 11.24 11.25 8.60
PE Ratio
0.00 0.00 0.00 0.00 0.98 2.61 2.74 2.52 2.19 2.26
PS Ratio
0.00 0.00 0.00 1.09 0.45 1.09 1.91 2.00 1.69 1.26
PB Ratio
0.00 0.00 0.00 0.00 (0.64) (1.14) 3.41 3.33 2.14 1.19
EV/Sales
0.00 0.00 0.00 3.63 (2.04) (4.74) 11.35 10.57 9.22 4.27
EV/FCF
9 8 12 14 11 20 30 45 35 44
Op' Cash Flow
(1) 0 (1) (2) (1) (2) (2) (3) (1) 0
Capex
9 8 11 12 11 18 29 41 33 44
FCF
(190) (248) (173) (196) (246) (354) (358) (191) (235) (204)
Working Cap'
63 20 36 5 19 19 151 254 143 35
Total Debt
36 (10) 17 (20) (102) (287) 65 107 (7) (170)
Net Debt
92 91 109 121 135 183 138 165 186 284
Sh' Equity
0.39% 0.25% 0.75% 0.97% 0.81% 1.12% 1.10% 1.24% 1.12% 1.61%
ROA
2.12% 5.01% 4.57% 8.63% 27.07% 0.00% 9.32% 8.54% 12.21% 28.10%
ROIC
3.97% 2.56% 7.56% 9.67% 9.11% 13.38% 15.18% 19.42% 15.89% 17.71%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Orange County Bancorp, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Orange County Bancorp, Inc. (OBT) key facts

  • Orange County Bancorp, Inc. (OBT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Orange County Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.1 million, up 10.4% from fiscal 2024.
  • Net income was $41.6 million, or $3.33 per share (basic), a net margin of 26.3%.
  • As of September 25, 2026, OBT traded at $37.82, a market capitalization of $501.2 million.
  • At that price the stock trades at 10.7× trailing-twelve-month earnings and 3.3× sales.
  • Orange County Bancorp, Inc. pays an annual dividend of $0.92 per share, a yield of 1.79%, with a payout ratio of 17.1%.
  • Return on equity was 17.7% and debt-to-equity 0.11.

Source: company filings (standardised) and stockrow calculations.

Orange County Bancorp, Inc. (OBT) Latest News

News by impact score

Fine-tune

24 Sep

3

Rhinebeck Bancorp (RBKB) and Orange County Bancorp (OBT) are Hudson Valley community banks navigating rate moves, funding shifts and growth plans. RBKB’s second-step conversion boosts capital and gives management room to grow its commercial franchise, expand services and invest in infrastructure. It benefits from steady deposits and reduced reliance on higher-cost wholesale funding, supporting net interest income as rates move. Asset quality has improved with fewer past-due loans and non-performing assets, aided by tighter underwriting and less indirect auto exposure. OBT relies on a strong core-deposit base, a broader Westchester-Rockland-Bronx footprint, and a robust loan pipeline, improving funding costs and yields while keeping capital solid. Valuations show RBKB cheaper than OBT, and both trade below the broader sector. Overall, RBKB’s enhanced capital flexibility and improving balance sheet offer a more attractive risk-reward, though OBT remains solid. RBKB’s stronger capital stance and cheaper valuation relative to OBT could meaningfully shift investor preference toward RBKB in the near term.

28 Jul

4

Orange County Bancorp, Inc. (OBT) announced record second quarter earnings. Record quarterly earnings signal strong financial performance likely to lift stock price and investor outlook.

3

Orange County Bancorp, Inc. (OBT) reported its Q2 earnings, surpassing analysts' expectations for both earnings and revenues. The bank's performance reflects strong operational efficiency and growth in key financial metrics, contributing positively to investor sentiment. OBT's strategic initiatives and market positioning appear to be yielding favorable results, enhancing its competitive edge in the banking sector. Earnings exceeding estimates indicate moderately noticeable influence on financial performance and market sentiment.

28 Apr

4

Orange County Bancorp, Inc. announced record first quarter earnings. Record first quarter earnings demonstrate strong financial performance and heightened investor confidence.

11 Feb

3

Orange Investment Advisors has appointed two new portfolio managers, enhancing its investment team. This strategic move aims to strengthen the firm's capabilities in managing client assets and improving investment strategies. The appointment of new portfolio managers may moderately influence the firm's investment performance and client confidence.

6 Feb

3

Orange County Bancorp, Inc. (OBT) has reached a new high, prompting discussions about its future growth potential. Analysts are evaluating whether the stock can continue its upward trajectory amid changing market conditions and investor sentiment. Factors influencing this assessment include the company's financial performance, competitive positioning, and broader economic trends. Current market conditions and the company's performance suggest a moderate influence on future growth.

4 Feb

4

Orange County Bancorp, Inc. (OBT) reported better-than-expected earnings and revenue for the fourth quarter, surpassing analysts' estimates. The bank's performance reflects strong operational efficiency and growth in key financial metrics, contributing to positive investor sentiment. This strong financial showing positions OBT favorably in the competitive banking landscape. Strong earnings and revenue growth can significantly enhance investor confidence and influence future market performance.

4

Orange County Bancorp, Inc. reported record earnings for fiscal 2025, showcasing significant growth in net income and overall financial performance. The bank attributed this success to increased loan demand and effective cost management strategies. Additionally, the company highlighted its commitment to community engagement and sustainable practices as key components of its operational strategy. Overall, the results reflect a strong position in the market and a positive outlook for future growth. Record earnings indicate significant growth potential and positive market sentiment.

3 Feb

4

Orange County Bancorp, Inc. (OBT) is highlighted as a potential investment opportunity in the US market, with analysts suggesting it may be undervalued compared to its peers. The article emphasizes the bank's strong fundamentals, including solid financial performance and growth potential, making it an attractive option for investors looking for undiscovered gems in the financial sector. Market trends and economic indicators are also discussed, supporting the case for OBT's future growth. Strong fundamentals and growth potential indicate significant impact on future performance.

11 Dec

4

Orange County Bancorp, Inc. (OBT) is highlighted as a promising investment opportunity due to its strong market potential and strategic positioning. The company has demonstrated resilience and growth in a competitive landscape, making it an attractive option for investors seeking hidden gems in the U.S. market. Analysts emphasize OBT's solid financial performance and innovative approaches, which could lead to significant returns in the future. OBT's strategic positioning and financial performance indicate a significant impact on its future and market performance.

1 Dec

4

Orange County Bancorp, Inc. (OBT) has demonstrated notable earnings per share (EPS) growth, making it an appealing investment opportunity. The company's financial performance reflects strong fundamentals, and its strategic initiatives position it favorably within the banking sector. Investors may find OBT's growth trajectory and market positioning compelling as it navigates current economic conditions. Significant EPS growth and strategic positioning are likely to influence investor sentiment and the company's future performance.

28 Nov

3

Orange County Bancorp, Inc. (OBT) is highlighted among three stocks that have announced dividend increases amid ongoing market volatility. The company’s decision to raise dividends reflects confidence in its financial stability and commitment to returning value to shareholders, which may positively influence investor sentiment during uncertain economic conditions. The dividend hike indicates a moderately noticeable influence on investor sentiment and financial performance.

24 Nov

3

Orange County Bancorp, Inc. has declared a cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend declaration suggests a stable financial performance but does not indicate significant changes in the company's strategic direction.

3 Nov

4

Orange County Bancorp, Inc. (OBT) is highlighted as one of three undervalued companies in the U.S. market with strong growth potential. The article emphasizes OBT's solid financial performance, strategic initiatives, and favorable market conditions that position it well for future success. Investors are encouraged to consider OBT as a promising opportunity amidst a competitive landscape. Strong financial performance and strategic initiatives indicate significant potential for future growth.

1 Nov

4

Orange County Bancorp, Inc. (OBT) reported a net margin that exceeded estimates, highlighting its consistent profitability. This performance reinforces the company's strong financial position and ability to generate profits, which may positively influence investor sentiment and market perception. Surpassing net margin estimates indicates significant financial strength and could enhance investor confidence.

29 Oct

4

Orange County Bancorp, Inc. (OBT) reported third-quarter earnings that exceeded analysts' expectations, with both earnings and revenue surpassing estimates. The strong performance reflects the company's effective management and growth strategies, contributing to positive market sentiment around its future prospects. Strong earnings and revenue growth indicate significant positive momentum for the company's future performance.

4

Orange County Bancorp, Inc. reported record results for the third quarter of 2025, showcasing significant growth in net income and total assets. The bank's performance was driven by increased loan demand and improved net interest margins. Management expressed optimism about future growth prospects and the overall economic environment, highlighting strategic initiatives aimed at enhancing operational efficiency and customer service. The results reflect the bank's strong position in the market and commitment to delivering value to shareholders. Record financial results indicate significant growth potential and strategic initiatives that could alter the company's trajectory.

28 Oct

4

Investing in Orange County Bancorp, Inc. (NASDAQ:OBT) five years ago would have resulted in a 137% gain, showcasing the company's strong performance and growth potential in the banking sector. This significant return highlights the effectiveness of OBT's strategic initiatives and market positioning, making it an attractive option for investors looking for solid returns in the financial industry. The substantial gain over five years indicates a significant positive impact on investor sentiment and future performance.

8 Oct

3

Hudson Valley Investment Advisors has rebranded as Orange Investment Advisors, signaling a new era of unified financial services and corporate integration. This rebranding aims to enhance growth in additional markets and streamline operations under a cohesive identity. The rebranding and integration efforts may moderately influence the company's competitive positioning and market presence.

11 Sep

3

Orange County Bancorp, Inc. (NASDAQ:OBT) has garnered significant attention from institutional investors, who collectively own 55% of the company's shares. This strong institutional backing indicates a level of confidence in OBT's future performance and stability in the market. Institutional ownership at 55% suggests a moderately noticeable influence on investor sentiment and potential financial performance.

10 Sep

3

KBRA has assigned ratings to Orange County Bancorp, Inc. (OBT), reflecting the bank's financial stability and operational performance. The ratings are part of KBRA's assessment of the institution's creditworthiness and market position. This evaluation is expected to influence investor sentiment and the bank's future financial strategies. The assigned ratings may moderately influence OBT's financial performance and market perception.

27 Aug

3

Orange County Bancorp, Inc. has declared a cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend declaration suggests a stable financial performance, which may positively influence investor sentiment.

1 Aug

4

Orange County Bancorp, Inc. reported its second quarter 2025 earnings, surpassing analysts' expectations. The bank demonstrated strong financial performance, driven by increased loan demand and improved net interest margins. Key metrics showed growth in both revenue and net income compared to the previous quarter. Management expressed optimism about future growth prospects, citing strategic initiatives and a favorable economic environment. The positive results are expected to enhance investor confidence and support the bank's stock performance moving forward. Strong earnings performance and positive management outlook indicate significant potential for future growth and investor sentiment.

30 Jul

4

Orange County Bancorp, Inc. (OBT) reported Q2 earnings and revenue that exceeded analysts' expectations, showcasing strong financial performance. The bank's growth reflects effective management strategies and a robust market position, contributing to positive investor sentiment. Surpassing earnings and revenue estimates indicates significant operational strength and potential for future growth.

4

Orange County Bancorp, Inc. reported record earnings for the second quarter of 2025, showcasing significant growth in net income and improved financial metrics. The bank attributed its success to increased loan demand and effective cost management strategies. This performance reflects the company's strong market position and operational efficiency, positioning it favorably for future growth. Record earnings and growth in net income indicate a significant positive shift in the company's financial performance and market position.

11 Jul

3

Orange County Bancorp, Inc. has a market cap of $368 million and operates in commercial and consumer banking. With 12.1% insider ownership, its earnings are projected to grow at 22.6% annually, surpassing the US market. The stock is currently undervalued, but recent insider selling and a follow-on equity offering raising nearly $40 million may raise concerns about dilution. The company has gained recognition through index inclusions in Russell Growth benchmarks. Earnings growth projections and insider ownership indicate potential, but recent insider selling and dilution concerns may limit overall impact.

23 Jun

3

Orange Bank & Trust Company has promoted Elizabeth 'Liz' Jones from Chief Operating Officer to Executive Vice President. Jones, who joined the bank in 2016, has played a crucial role in enhancing operational efficiency and overseeing compliance and facilities management. Her leadership has been instrumental in the bank's growth in loans and deposits. Jones expressed her honor in taking on the new role and her commitment to driving innovation and strategic growth. Prior to her tenure at Orange Bank & Trust, she held positions at Sterling National Bank and Hudson Valley Bank. The promotion of a key executive is expected to moderately influence operational performance and strategic direction.

11 Jun

4

Orange County Bancorp, Inc. (OBT) is highlighted as a company to watch in June 2025 due to its significant insider ownership growth. This trend suggests strong confidence from executives and insiders in the company's future performance. Investors may find this indicator appealing as it often correlates with positive market sentiment and potential for growth. High insider ownership growth typically signals strong confidence in the company's future, which can significantly influence investor sentiment and market performance.

3 Jun

3

Orange County Bancorp, Inc. (Nasdaq: OBT) announced the pricing of a public offering of 1,720,430 shares of common stock at $23.25 per share, with gross proceeds expected to be approximately $40 million. The underwriters have a 30-day option to purchase an additional 258,064 shares, potentially raising total proceeds to $46 million. The funds will be used for general corporate purposes, including investments in the Bank, regulatory capital, and liquidity. The offering is set to close on June 5, 2025, pending customary conditions. Piper Sandler & Co. and Stephens Inc. are the joint book-running managers. The public offering is expected to enhance the company's capital position, impacting financial performance moderately.

3

Orange County Bancorp, Inc. has announced the launch of a public offering of common stock. The offering aims to raise capital for general corporate purposes, including potential investments and growth initiatives. The company has not disclosed the number of shares to be offered or the expected pricing details at this time. The public offering may influence financial performance and market sentiment but is not expected to fundamentally alter the company's trajectory.

stockrow.com/OBT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com