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OBT Stock Chart & Stats
$37.82
$0.45(1.21%)
At close: 4:00 PM EDT
$37.82
$0.45(1.21%)
Day’s Range― - ―
52-Week Range$23.25 - $40.10
Previous Close$37.69
Volume72.53K
Average Volume (3M)54.93K
Market Cap
$495.16M
Enterprise Value$191.85M
Total Cash (Recent Filing)$730.83M
Total Debt (Recent Filing)$34.60M
Price to Earnings (P/E)10.4
Beta0.75
Next Earnings
Oct 27, 2026EPS Estimate
0.82Next Dividend Ex-DateN/A
Dividend Yield1.95%
Share Statistics
EPS (TTM)3.55
Shares Outstanding13,407,963
10 Day Avg. Volume59,616
30 Day Avg. Volume54,927
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)1.26
Price to Sales (P/S)2.26
P/FCF Ratio8.64
Enterprise Value/Market Cap0.39
Enterprise Value/Revenue1.27
Enterprise Value/Gross Profit1.61
Enterprise Value/Ebitda3.65
Forecast
1Y Price Target
$44.00Price Target Upside16.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.44
Revenue Forecast (FY)$131.97M
Bulls Say, Bears Say
Bulls Say
Strong ProfitabilityStrong margins and return on equity indicate that Orange County Bancorp is converting its relationship-based banking activities into substantial earnings. If these levels remain supported by lending and deposits, they provide capital for growth, resilience, and continued shareholder distributions.
Conservative Current LeverageThe latest low debt-to-equity position gives the bank a stronger capital cushion and greater flexibility to manage changing credit or funding conditions. A solid 16% ROE also shows that the company is generating meaningful returns without relying on the currently high leverage seen in prior periods.
High-Quality Cash GenerationFree cash flow that closely tracks net income supports the quality of reported earnings and gives management internally generated resources for lending, investment, capital needs, or dividends. Improving TTM operating and free cash flow strengthens the bank’s ability to sustain its business over coming quarters.
Bears Say
Recent Revenue ContractionThe recent revenue decline suggests that underlying growth in lending, deposits, pricing, or fee activity has softened even though profitability remains strong. If weaker top-line momentum persists, it could limit operating leverage, reduce reinvestment capacity, and make future earnings growth more dependent on cost control.
Volatile Cash-Flow GrowthAlthough current cash generation is healthy, the uneven year-to-year pattern reduces confidence that recent improvement will continue consistently. Cash-flow volatility can complicate capital planning and dividend decisions, particularly if business growth or banking conditions require greater funding at the same time.
Historically Variable LeverageThe sharp historical swing in leverage is a structural risk because the current conservative position may not fully represent how the balance sheet behaves across changing business or funding conditions. A return to higher leverage could reduce flexibility, increase financial risk, and make returns more sensitive to balance-sheet decisions.
Orange County Bancorp News
OBT FAQ
What was Orange County Bancorp’s price range in the past 12 months?
Orange County Bancorp lowest stock price was $23.25 and its highest was $40.10 in the past 12 months.
What is Orange County Bancorp’s market cap?
Orange County Bancorp’s market cap is $495.16M.
When is Orange County Bancorp’s upcoming earnings report date?
Orange County Bancorp’s upcoming earnings report date is Oct 27, 2026 which is in 16 days.
How were Orange County Bancorp’s earnings last quarter?
Orange County Bancorp released its earnings results on Jul 28, 2026. The company reported $0.945 earnings per share for the quarter, beating the consensus estimate of $0.8 by $0.145.
Is Orange County Bancorp overvalued?
According to Wall Street analysts Orange County Bancorp’s price is currently Undervalued.
Does Orange County Bancorp pay dividends?
Orange County Bancorp pays a Quarterly dividend of $0.18 which represents an annual dividend yield of 1.95%. See more information on Orange County Bancorp dividends here
What is Orange County Bancorp’s EPS estimate?
Orange County Bancorp’s EPS estimate is 0.82.
How many shares outstanding does Orange County Bancorp have?
Orange County Bancorp has 13,407,963 shares outstanding.
What happened to Orange County Bancorp’s price movement after its last earnings report?
Orange County Bancorp reported an EPS of $0.945 in its last earnings report, beating expectations of $0.8. Following the earnings report the stock price went down -0.796%.
Which hedge fund is a major shareholder of Orange County Bancorp?
Currently, no hedge funds are holding shares in OBT
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Orange County Bancorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$44.00 (16.34% Upside)
$44.00 (16.34% Upside)
Blogger Sentiment
Bullish
OBT Sentiment 100%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Decreased
By 6.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $176.1K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
54.94%
12-Months-Change
Fundamentals
Return on Equity
16.44%
Trailing 12-Months
Asset Growth
7.45%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Orange County Bancorp
Orange County Bancorp, Inc., a bank holding company, 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 company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
OBT Stock 12 Month Forecast
Average Price Target
$44.00
▲(16.34% Upside)
Technical Analysis
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Ownership Overview
8.50% Insiders
10.83% Mutual Funds
0.06% Other Institutional Investors
67.99% Public Companies and
Individual Investors