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Orange County Bancorp
(NASDAQ:OBT)
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Rating:74Outperform
Price Target:
$42.00
▲(11.05% Upside)
Action:Reiterated
Date:09/23/26
The score is driven primarily by strong financial performance (high margins, improved leverage, solid ROE, and cash flow supporting earnings) and favorable valuation (low P/E with a dividend). Offsetting this are weaker near-term technicals (below 20/50-day averages, muted momentum) and a recent TTM revenue decline, while corporate events provide only a modest positive tailwind.
Positive Factors
Strong Profitability
Strong 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.
Negative Factors
Recent Revenue Contraction
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Strong 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.
Read all positive factors
Orange County Bancorp (OBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$505.88M
Dividend Yield1.91%
Average Volume (3M)51.57K
Price to Earnings (P/E)10.6
Beta (1Y)0.76
Revenue Growth6.51%
EPS Growth38.77%
CountryUS
Employees235
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.55
Shares Outstanding13,407,963
10 Day Avg. Volume59,010
30 Day Avg. Volume51,572
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 Cap0.38
Enterprise Value/Revenue1.27
Enterprise Value/Gross Profit1.61
Enterprise Value/Ebitda3.67
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
Orange County Bancorp Business Overview & Revenue Model
Company Description
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 ac...
How the Company Makes Money
Orange County Bancorp primarily generates earnings through its subsidiary bank by (1) net interest income and (2) noninterest income, less operating costs and credit losses.
1) Net interest income (primary driver): The bank earns interest and fee...
Orange County Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 150.68M | 158.13M | 143.09M | 131.07M | 96.00M | 76.00M |
| Gross Profit | 119.05M | 119.46M | 99.92M | 93.82M | 80.35M | 69.60M |
| EBITDA | 52.22M | 53.10M | 36.77M | 39.12M | 31.97M | 28.34M |
| Net Income | 47.39M | 41.61M | 27.88M | 29.48M | 24.36M | 21.29M |
Balance Sheet | ||||||
| Total Assets | 2.80B | 2.66B | 2.51B | 2.49B | 2.29B | 2.14B |
| Cash, Cash Equivalents and Short-Term Investments | 730.83M | 362.57M | 594.11M | 637.33M | 619.54M | 770.98M |
| Total Debt | 34.60M | 34.55M | 143.09M | 254.02M | 150.95M | 22.38M |
| Total Liabilities | 2.49B | 2.38B | 2.32B | 2.32B | 2.15B | 1.96B |
| Stockholders Equity | 306.63M | 284.36M | 185.53M | 165.38M | 138.14M | 182.84M |
Cash Flow | ||||||
| Free Cash Flow | 65.49M | 41.33M | 32.87M | 40.96M | 28.94M | 18.36M |
| Operating Cash Flow | 66.78M | 43.85M | 34.60M | 44.50M | 30.48M | 20.32M |
| Investing Cash Flow | -36.22M | -74.15M | -29.42M | -144.92M | -434.11M | -291.31M |
| Financing Cash Flow | 128.76M | 84.20M | -2.23M | 161.72M | 183.53M | 455.93M |
Orange County Bancorp Technical Analysis
Positive
37.82
Price Trends
38.03
Negative
36.75
Positive
34.31
Positive
Market Momentum
-0.17
Positive
49.72
Neutral
44.71
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OBT, the sentiment is Positive. The current price of 37.82 is below the 20-day moving average (MA) of 37.89, below the 50-day MA of 38.03, and above the 200-day MA of 34.31, indicating a neutral trend. The MACD of -0.17 indicates Positive momentum. The RSI at 49.72 is Neutral, neither overbought nor oversold. The STOCH value of 44.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OBT.
Orange County Bancorp Risk Analysis
Orange County Bancorp disclosed 1 risk factors in its most recent earnings report. Orange County Bancorp reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Orange County Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $531.51M | 11.18 | 10.65% | 1.85% | 2.06% | 14.90% | |
76 Outperform | $531.33M | 12.27 | 13.95% | 1.20% | 9.03% | 108.77% | |
74 Outperform | $505.88M | 10.63 | 16.44% | 1.91% | 6.51% | 38.77% | |
71 Outperform | $495.18M | 9.10 | 11.72% | 3.50% | 35.31% | 190.50% | |
71 Outperform | $515.42M | 11.56 | 12.38% | 2.62% | -1.11% | 17.59% | |
70 Outperform | $492.22M | 14.33 | 6.18% | ― | 12.29% | 97.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
OBT
Orange County Bancorp
37.73
13.52
55.86%
HBCP
Home Bancorp
67.53
13.48
24.95%
BSRR
Sierra Bancorp
39.76
11.65
41.44%
BWFG
Bankwell Financial Group
66.65
24.10
56.65%
PDLB
Ponce Financial Group Inc
20.35
5.77
39.57%
COFS
ChoiceOne Financial Services
33.11
5.54
20.11%
Orange County Bancorp Corporate Events
Business Operations and StrategyFinancial Disclosures
Orange County Bancorp Highlights Strategy at Investor Forum
Positive
Sep 23, 2026
On September 23, 2026, Orange County Bancorp, Inc., parent of Orange Bank Trust Company and Orange Investment Advisors, distributed an investor slide presentation outlining its operating and growth strategies and recent financial performance, inc...
Dividends
Orange County Bancorp Declares Quarterly Cash Dividend
Positive
Aug 21, 2026
On August 21, 2026, Orange County Bancorp, Inc. declared a cash dividend of $0.18 per share on its common stock, marking a capital return to its shareholders. The dividend is scheduled to be paid on September 15, 2026, to shareholders of record as...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.