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Orange County Bancorp
(NASDAQ:OBT)
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Rating:78Outperform
Price Target:
$44.00
▲(16.74% Upside)
Action:Reiterated
Date:08/11/26
OBT scores well primarily on strong financial performance—high profitability and improved leverage—supported by a constructive technical uptrend and a relatively low P/E valuation. The main risks tempering the score are the recent revenue decline and historical variability in leverage and cash-flow growth, while corporate events are supportive but not thesis-changing.
Positive Factors
High Profitability
Sustained high TTM net and operating margins indicate the bank earns strong spreads and controls costs versus peers. Durable profitability supports capital accumulation, dividend capacity and the ability to absorb loan losses, strengthening long-term resilience.
Negative Factors
Revenue Decline
A recent TTM revenue decline suggests softening top-line growth that can persist absent stronger loan origination or fee income. Weaker revenue limits margin expansion potential and constrains reinvestment, making earnings gains harder to sustain.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained high TTM net and operating margins indicate the bank earns strong spreads and controls costs versus peers. Durable profitability supports capital accumulation, dividend capacity and the ability to absorb loan losses, strengthening long-term resilience.
Read all positive factors
Orange County Bancorp (OBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$525.46M
Dividend Yield1.71%
Average Volume (3M)39.30K
Price to Earnings (P/E)11.0
Beta (1Y)0.83
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. Volume24,597
30 Day Avg. Volume39,297
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.45
Revenue Forecast (FY)$133.00M
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 makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated by taking in customer deposits and other funding at a lower cost and investi...
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
37.69
Price Trends
37.22
Positive
35.54
Positive
32.41
Positive
Market Momentum
0.54
Negative
62.21
Neutral
70.29
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 37.69 is below the 20-day moving average (MA) of 38.28, above the 50-day MA of 37.22, and above the 200-day MA of 32.41, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 62.21 is Neutral, neither overbought nor oversold. The STOCH value of 70.29 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 | $566.38M | 11.91 | 10.65% | 1.74% | 2.06% | 14.90% | |
78 Outperform | $525.46M | 11.04 | 16.44% | 1.78% | 6.51% | 38.77% | |
76 Outperform | $543.13M | 12.55 | 13.95% | 1.29% | 9.03% | 108.77% | |
73 Outperform | $531.63M | 11.92 | 12.38% | 2.44% | -1.11% | 17.59% | |
71 Outperform | $514.17M | 9.45 | 11.72% | 3.51% | 35.31% | 190.50% | |
70 Outperform | $502.14M | 14.62 | 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
39.19
15.20
63.38%
HBCP
Home Bancorp
71.96
20.15
38.88%
BSRR
Sierra Bancorp
41.01
12.77
45.23%
BWFG
Bankwell Financial Group
68.13
28.43
71.60%
PDLB
Ponce Financial Group Inc
20.76
6.27
43.27%
COFS
ChoiceOne Financial Services
34.38
5.68
19.78%
Orange County Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Orange County Bancorp Shareholders Reaffirm Board and Auditor
Positive
May 27, 2026
At the May 26, 2026 annual meeting of stockholders of Orange County Bancorp, Inc., shareholders elected three directors to new three-year terms, confirming Michael J. Gilfeather, Marianna R. Kennedy, and Richard B. Rowley with strong majority supp...
Dividends
Orange County Bancorp Declares Quarterly Cash Dividend
Positive
May 22, 2026
On May 22, 2026, Orange County Bancorp, Inc., the parent of Orange Bank Trust Company and Orange Investment Advisors, Inc., declared a cash dividend of $0.18 per share on its common stock. The dividend is scheduled to be paid on June 15, 2026, to...
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.