Orange County Bancorp (OBT)
NASDAQ:OBT
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OBT Stock Chart & Stats
$36.14
-$0.56(-1.05%)
At close: 4:00 PM EST
$36.14
-$0.56(-1.05%)
Day’s Range― - ―
52-Week Range$22.84 - $37.99
Previous CloseN/A
Volume2.10K
Average Volume (3M)39.30K
Market Cap
$448.76M
Enterprise Value$225.80M
Total Cash (Recent Filing)$362.57M
Total Debt (Recent Filing)$34.55M
Price to Earnings (P/E)9.5
Beta0.78
Next Earnings
Aug 03, 2026EPS Estimate
0.81Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)3.32
Shares Outstanding13,407,690
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 Cap0.50
Enterprise Value/Revenue1.43
Enterprise Value/Gross Profit1.89
Enterprise Value/Ebitda4.27
Forecast
1Y Price Target
$36.00Price Target Upside-0.39% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.4
Revenue Forecast (FY)$135.45M
Bulls Say, Bears Say
Bulls Say
High And Improving MarginsImproved operating and net margins indicate durable profitability and pricing power in core banking operations. Higher margins support healthier ROE and internal capital accumulation, enabling reinvestment in lending, reserve building, and continued shareholder distributions over the medium term.
De-risked Leverage And Stronger CapitalMaterial reduction in leverage and a larger equity base strengthen loss-absorption capacity and regulatory flexibility. A de-risked balance sheet lowers funding and refinancing pressure, supporting steady lending capacity and the ability to sustain dividends or absorb credit shocks.
Sustained Revenue Growth And Community Bank ModelMulti-year revenue expansion and a local community-bank franchise provide stable core deposit funding and recurring fee opportunities. A focused regional market and diversified products (lending, deposits, cash management) support predictable net interest and noninterest income over time.
Bears Say
Sharp Decline In Cash GenerationA roughly 77% year-over-year drop in operating and free cash flow materially weakens cash conversion and raises earnings-quality concerns. Sustained weak cash generation would constrain dividend sustainability, reserve builds, and organic growth funding, forcing balance-sheet adjustments.
Margin Volatility And Cycle SensitivityDocumented swings in margins and sensitivity to rate and credit cycles imply earnings and ROE can fluctuate materially. This undermines predictability for provisioning and profitability, increasing the chance of conservative capital or lending responses during adverse cycles.
Historical Leverage VariabilityLarge year-to-year swings in leverage signal inconsistent funding and capital policies. Such variability complicates trend analysis and heightens execution and regulatory risk, making future growth plans and return targets less predictable if management shifts funding strategies again.
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 $22.84 and its highest was $37.99 in the past 12 months.
What is Orange County Bancorp’s market cap?
Orange County Bancorp’s market cap is $448.76M.
When is Orange County Bancorp’s upcoming earnings report date?
Orange County Bancorp’s upcoming earnings report date is Aug 03, 2026 which is in 90 days.
How were Orange County Bancorp’s earnings last quarter?
Orange County Bancorp released its earnings results on Apr 28, 2026. The company reported $0.85 earnings per share for the quarter, beating the consensus estimate of $0.78 by $0.07.
Is Orange County Bancorp overvalued?
According to Wall Street analysts Orange County Bancorp’s price is currently Overvalued.
Does Orange County Bancorp pay dividends?
Orange County Bancorp pays a Quarterly dividend of $0.18 which represents an annual dividend yield of 2%. See more information on Orange County Bancorp dividends here
What is Orange County Bancorp’s EPS estimate?
Orange County Bancorp’s EPS estimate is 0.81.
How many shares outstanding does Orange County Bancorp have?
Orange County Bancorp has 13,407,690 shares outstanding.
What happened to Orange County Bancorp’s price movement after its last earnings report?
Orange County Bancorp reported an EPS of $0.85 in its last earnings report, beating expectations of $0.78. Following the earnings report the stock price went down -6.148%.
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
Outperform
1
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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.00 (-0.39% Downside)
$36.00 (-0.39% Downside)
Hedge Fund Trend
Decreased
By 25.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $6.2K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-14.07%
12-Months-Change
Fundamentals
Return on Equity
16.09%
Trailing 12-Months
Asset Growth
5.68%
Trailing 12-Months
Company Description
Orange County Bancorp
Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. It accepts various deposit products, 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. The company operates 14 full-service branches and one 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
$36.00
▼(-0.39% Downside)
Technical Analysis
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Ownership Overview
8.51% Insiders
10.46% Mutual Funds
8.74% Other Institutional Investors
62.26% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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