Orange County Bancorp, Inc. (OBT)

NCM – Real Time Price. Currency in USD

39.23

+0.46 (1.19%)

Market open: Aug 12, 2026, 9:48 AM EDT

38.77

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 38.77$
Day's range: 38.03 - 39.1$
52-week range: 23.25 - 40.1$
Volume: 57 479
Average volume: 56 090
Beta: 0.32
EPS (TTM): 3.55
PE ratio (TTM): 10.92
Forward P/E: 11.25
Market cap: 519 824 474
Shares outstanding: 13 407 905
Dividend yield: $1.75 (1.75%)
Next earnings date: 2026-10-27
Sector: Financials
Industry: Banks - Regional

About the company

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... read more

CEO: Michael Gilfeather
Country: United States
IPO Date
Employees: 235
Fiscal Year End: January - December
Website: https://www.orangebanktrust...

Revenue Breakdown

Banking / 88.91%

Wealth Management / 11.09%

News

No Data

There are no news for this stock.

Chart: OBT

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Overall Score

4.8 / 1048%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $34.6M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.1) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.22	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.11	0.05	9.0
Debt to Assets	0.01	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	96M	131M	143M	158M	159M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	30M	37M	35M	52M	53M
Net Income	24M	29M	28M	42M	47M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	35.49	0.44	10
Net margin %	41.93	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.61	1.46	3.0
ROE	17.07	14.94	8.0
ROIC	15.06	0.00	8.0
ROCE	N/A	0.00	1.0
Weighted average score			5.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	-0.7	22.89	5.5
Next quarter	3.09	-8.61	2.5
Current year	3.85	21.79	7.0
Next year	7.91	9.48	6.0
Weighted average score			5.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	0.28	21.05	11.15	-26.02	5.0
Y/Y	-4.52	30.57	35.75	122.57	7.8
3y average	18.64	21.61	9.97	15.85	8.5
5y average	19.92	32.31	20.05	35.51	9.8
Weighted average score					7.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.78	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.06	3.37	4.0
P/B	1.68	1.53	5.6
Weighted average score			4.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR11.48%

FCF 5 year CAGR4

Fair value52.06$

Stock price38.77$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	1.96	1.96	6.0
Payout ratio	17.14	17.14	3.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	4.00	4.00	4.0
Weighted average score			4.3

Fair Value

$52.06

UndervaluedStock priceOvervalued

$38.77

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Michael Gilfeather

Country

United States

IPO Date

Employees

235

Fiscal Year End

January - December

Website

https://www.orangebanktrust...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.22

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.11

0.05

9.0

Debt to Assets

0.01

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

96M

131M

143M

158M

159M

Gross Profit

N/A

Operating Income

30M

37M

35M

52M

53M

Net Income

24M

29M

28M

42M

47M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

35.49

0.44

Net margin %

41.93

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.61

1.46

3.0

ROE

17.07

14.94

8.0

ROIC

15.06

0.00

8.0

ROCE

N/A

0.00

1.0

Weighted average score

5.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

-0.7

22.89

5.5

Next quarter

3.09

-8.61

2.5

Current year

3.85

21.79

7.0

Next year

7.91

9.48

6.0

Weighted average score

5.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

0.28

21.05

11.15

-26.02

5.0

Y/Y

-4.52

30.57

35.75

122.57

7.8

3y average

18.64

21.61

9.97

15.85

8.5

5y average

19.92

32.31

20.05

35.51

9.8

Weighted average score

7.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.78

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.06

3.37

4.0

P/B

1.68

1.53

5.6

Weighted average score

4.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

1.96

6.0

Payout ratio

17.14

3.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

4.00

4.0

Weighted average score

4.3

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Orange County Bancorp, Inc. (OBT)

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Orange County Bancorp, Inc. (OBT)

Stock details

About the company

Revenue Breakdown

News

Chart: OBT

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$52.06

$38.77

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: OBT

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$52.06

$38.77

Economic Moat