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Orange County Bancorp, Inc.

OBT Financial Banks Regional

Orange County Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.1 million, up 10.4% from fiscal 2024. In the quarter to June 2026, revenue fell 16.3%, EPS grew 17.2%, free cash flow grew 491.7% and total debt fell 31.6%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.

37.19 0.46 +1.25%
Market cap
$492.5M
P/E
10.5×
Fwd P/E
10.3×
Dividend yield
1.94%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.01
Total sells 0.20
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — 1 — — — — — — —
Sell — 1 — — — — — — 1 1 — —
Insider Ownership 10.92%

Capital & Financial Ratios $m

Market Cap 492.48
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 10.48
Fwd P/E 10.30
P/S ratio 3.23
P/B ratio 1.62
Past 5Y EPS Growth 20.79% (at or above 15%: strong)
This Y EPS Growth 21.88% (at or above 15%: strong)
Next Y EPS Growth 8.70%
Next Y revenue growth 9.84%
Next 5Y EPS Growth 12.22%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.34%
10-year low 10-year high
P/S against its own 10 years 95.98%
10-year low 10-year high
P/B against its own 10 years 74.39%
10-year low 10-year high

Dividends

Payout Ratio 0.20
Annual Dividend Rate 0.72
Annual Dividend Yield 1.94%
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 special payouts not included in total or ratios

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 12.75 14.01 27.90 15.50 15.48 20.86 24.00 32.01 33.06 30.25
People
People Employees — 150 — 170 — 206 204 197 225 235
Revenue/emp, $m 0.00 0.29 0.00 0.35 0.00 0.37 0.47 0.67 0.64 0.67
Income, $m
Income, $m Revenue 38 43 49 59 65 77 96 131 143 158
Gross margin, % 89.75 93.34 94.28 91.76 92.72 94.82 93.62 77.61 75.24 80.44
EBT 4 7 9 14 15 27 30 37 35 52
EBT margin, % 11.38 15.11 18.84 23.71 22.38 34.86 31.47 28.32 24.31 32.60
Net income 4 2 8 11 12 21 24 29 28 42
Depreciation 4 4 4 4 4 4 3 3 3 3
Per share, $
Per share, $ Revenue 4.89 5.50 6.04 6.52 7.19 7.70 8.56 11.65 12.67 12.64
Earnings 0.46 0.30 0.94 1.23 1.26 2.14 2.17 2.62 2.47 3.33
Cash flow 1.20 1.07 1.48 1.52 1.26 2.04 2.71 3.95 3.06 3.51
Capex (0.06) 0.01 (0.18) (0.21) (0.08) (0.20) (0.14) (0.28) (0.12) 0.00
Free cash flow 1.14 1.08 1.31 1.32 1.18 1.85 2.57 3.68 2.95 3.51
Book value 11.80 11.66 13.45 13.42 15.02 18.40 12.29 14.69 16.41 22.73
Shares, m 8 8 8 9 9 10 11 11 11 13
Valuation, ×
Valuation, × P/E 7.95 7.95 7.95 7.95 7.09 9.33 10.80 11.24 11.25 8.60
P/S 0.00 0.00 0.00 0.00 0.98 2.61 2.74 2.52 2.19 2.26
P/B 0.00 0.00 0.00 1.09 0.45 1.09 1.91 2.00 1.69 1.26
EV/Sales 0.00 0.00 0.00 0.00 (0.64) (1.14) 3.41 3.33 2.14 1.19
EV/FCF 0.00 0.00 0.00 3.63 (2.04) (4.74) 11.35 10.57 9.22 4.27
Cash, $m
Cash, $m Operating cash flow 9 8 12 14 11 20 30 45 35 44
Capex (1) 0 (1) (2) (1) (2) (2) (3) (1) 0
Free cash flow 9 8 11 12 11 18 29 41 33 44
Balance, $m
Balance, $m Working capital (190) (248) (173) (196) (246) (354) (358) (191) (235) (204)
Total debt 63 20 36 5 19 19 151 254 143 35
Net debt 36 (10) 17 (20) (102) (287) 65 107 (7) (170)
Shareholders’ equity 92 91 109 121 135 183 138 165 186 284
Returns, %
Returns, % ROA 0.39 0.25 0.75 0.97 0.81 1.12 1.10 1.24 1.12 1.61
ROIC 2.12 5.01 4.57 8.63 27.07 0.00 9.32 8.54 12.21 28.10
ROE 3.97 2.56 7.56 9.67 9.11 13.38 15.18 19.42 15.89 17.71
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Orange County Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSVN Bank7 Corp. $528.6M 13.1× 10.1× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $519.5M 12.1× 9.9× +9.58% (above 0%: growing) +33.62% (above 0%: growing) +64.68% (above 0%: growing) 59.05% 0.00% Compare
HBCP Home Bancorp, Inc. $518.5M 10.9× 11.0× +1.51% (above 0%: growing) +1.36% (above 0%: growing) +15.46% (above 0%: growing) 74.76% 0.00% Compare
BSRR Sierra Bancorp $507.5M 11.6× 10.5× −3.43% (below 0%: shrinking) −1.28% (below 0%: shrinking) +114.97% (above 0%: growing) 78.74% 0.00% Compare
WTBA West Bancorporation, Inc. $493.3M 12.9× 9.3× +1.39% (above 0%: growing) +38.30% (above 0%: growing) +10.26% (above 0%: growing) 55.06% 0.00% Compare
OBT Orange County Bancorp, Inc. $492.5M 10.5× 10.3× −16.27% (below 0%: shrinking) +17.24% (above 0%: growing) +491.65% (above 0%: growing) 81.95% 0.00%
COFS ChoiceOne Financial Services, Inc. $492.3M 9.1× 8.8× −2.56% (below 0%: shrinking) −7.78% (below 0%: shrinking) +165.17% (above 0%: growing) 70.71% 0.00% Compare
PDLB Ponce Financial Group, Inc. $488.1M 14.2× 1.8× +10.97% (above 0%: growing) +38.46% (above 0%: growing) +35.79% (above 0%: growing) 59.40% 0.00% Compare
FMAO Farmers & Merchants Bancorp Inc. $483.7M 12.2× 10.0× +7.70% (above 0%: growing) +53.57% (above 0%: growing) +2,792.25% (above 0%: growing) 67.25% 0.00% Compare
Median of peers $500.4M 12.2× 9.9× +1.45% +17.49% +50.24% 68.98% 0.00%

All 323 Banks Regional stocks →

Orange County Bancorp, Inc. (OBT) key facts

  • Strength: Orange County Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.1 million, up 10.4% from fiscal 2024.
  • Strength: Net income was $41.6 million, or $3.33 per share (basic), a net margin of 26.3%.
  • Orange County Bancorp, Inc. (OBT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, OBT traded at $37.19, a market capitalization of $492.5 million.
  • At that price the stock trades at 10.5× trailing-twelve-month earnings and 3.2× sales; its P/E is higher than 73% of its own readings over the past ten years.
  • Orange County Bancorp, Inc. pays an annual dividend of $0.72 per share, a yield of 1.94%, with a payout ratio of 20.3%.
  • Return on equity was 17.7% and debt-to-equity 0.11.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Orange County Bancorp, Inc. (OBT) Latest News

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