Orange County Bancorp (OBT)
NASDAQ:OBT
OBT Stock Chart & Stats
$34.82
-$0.56(-1.05%)
At close: 4:00 PM EST
$34.82
-$0.56(-1.05%)
Day’s Range― - ―
52-Week Range$20.97 - $37.99
Previous CloseN/A
Volume2.10K
Average Volume (3M)39.30K
Market Cap
$465.89M
Enterprise Value$295.81M
Total Cash (Recent Filing)$623.64M
Total Debt (Recent Filing)$34.55M
Price to Earnings (P/E)8.6
Beta0.81
Next Earnings
May 04, 2026EPS Estimate
0.75Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)0.93
Shares Outstanding13,368,447
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 Cap0.63
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit2.48
Enterprise Value/Ebitda5.59
Forecast
1Y Price Target
$36.00Price Target Upside3.39% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.28
Revenue Forecast (FY)$135.15M
Bulls Say, Bears Say
Bulls Say
Strong Profitability And ReturnsSustained high margins and healthy ROE indicate the franchise earns a durable spread on assets and controls costs. Over 2–6 months this supports internal capital generation, resilience to modest NII pressure, and ability to fund lending and shareholder returns without immediate external financing.
De-risked Capital Structure And Larger Equity BaseMarkedly lower leverage and a bigger equity cushion materially reduce financial risk and improve loss-absorbing capacity. This strengthens lending flexibility, supports regulatory capital ratios, and makes the bank better positioned to withstand credit stress or pursue measured growth over the medium term.
Ongoing Capital Return Via DividendA recurring cash dividend signals management confidence in capital adequacy and earnings durability. For a regional bank, steady distributions attract income-focused shareholders and imply disciplined capital allocation, reinforcing credibility in the company’s ability to generate sustainable surplus capital.
Bears Say
Sharp Decline In Cash GenerationA dramatic drop in operating and free cash flow undermines earnings quality and the firm’s ability to self-fund growth or absorb shocks. Persistently weak cash conversion forces reliance on balance-sheet adjustments or external funding and raises medium-term risk to dividends and capital deployment plans.
Margin Volatility And Cycle SensitivityWide year-to-year swings in margins show earnings are sensitive to interest-rate moves and credit cycles. That structural sensitivity creates forecasting difficulty, risks episodic profit compression in adverse conditions, and makes stable long-term return assumptions and dividend coverage less certain.
Geographic Concentration Limits DiversificationA narrow regional footprint concentrates credit and deposit exposure to local economic cycles, limiting diversification benefits and growth runway. Over months this can amplify downside when local commercial real estate or small-business conditions deteriorate, constraining risk-adjusted expansion versus larger peers.
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 $20.97 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 $465.89M.
When is Orange County Bancorp’s upcoming earnings report date?
Orange County Bancorp’s upcoming earnings report date is May 04, 2026 which is in 20 days.
How were Orange County Bancorp’s earnings last quarter?
Orange County Bancorp released its earnings results on Feb 04, 2026. The company reported $0.93 earnings per share for the quarter, beating the consensus estimate of $0.737 by $0.193.
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 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 0.75.
How many shares outstanding does Orange County Bancorp have?
Orange County Bancorp has 13,368,447 shares outstanding.
What happened to Orange County Bancorp’s price movement after its last earnings report?
Orange County Bancorp reported an EPS of $0.93 in its last earnings report, beating expectations of $0.737. Following the earnings report the stock price went up 4.638%.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.00 (3.39% Upside)
$36.00 (3.39% Upside)
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
16.51%
Trailing 12-Months
Asset Growth
5.95%
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
▲(3.39% Upside)
Technical Analysis
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Ownership Overview
8.22% Insiders
10.36% Mutual Funds
14.01% Other Institutional Investors
57.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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