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Orange County Bancorp (OBT)
NASDAQ:OBT
OBT Stock Chart & Stats
$33.21
-$0.56(-1.05%)
At close: 4:00 PM EST
$33.21
-$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
$443.91M
Enterprise Value$476.86M
Total Cash (Recent Filing)$616.51M
Total Debt (Recent Filing)$56.98M
Price to Earnings (P/E)10.0
Beta0.76
Next Earnings
May 04, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)0.93
Shares Outstanding13,366,740
10 Day Avg. Volume24,597
30 Day Avg. Volume39,297
Financial Highlights & Ratios
PEG Ratio-1.97
Price to Book (P/B)1.69
Price to Sales (P/S)2.20
P/FCF Ratio9.56
Enterprise Value/Market Cap1.07
Enterprise Value/Revenue3.09
Enterprise Value/Gross Profit4.13
Enterprise Value/Ebitda9.77
Forecast
1Y Price Target
$36.00Price Target Upside8.40% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.22
Revenue Forecast (FY)$131.90M
Bulls Say, Bears Say
Bulls Say
High Profitability MarginsSustained gross margins above 70% and near-20% net margins indicate durable pricing power and operational efficiency for a regional bank. These margins support internal capital generation, underwriting capacity, and cushioning through credit cycles, underpinning long-term earnings resilience.
Improved Leverage ManagementA materially improved debt-to-equity ratio suggests management has reduced leverage and strengthened the balance sheet. Lower leverage enhances financial flexibility for lending growth, stress absorption, and regulatory capital management, reducing refinancing risk over multiple quarters.
Dividend Increase Signals Capital DisciplineA cash dividend increase reflects management confidence in recurring earnings and capital allocation discipline. Maintaining and raising payouts implies predictable cash generation and a shareholder-friendly policy, supporting investor trust and signaling sustainable surplus capital over the medium term.
Bears Say
Declining Free Cash Flow GrowthA decline in free cash flow growth weakens the bank's ability to fund loans, dividends, and operational investment from internal sources. Over months this raises reliance on wholesale funding or debt, limiting strategic flexibility and elevating exposure to funding cost shifts or liquidity stress.
Low Operating Cash ConversionLow conversion of net income into operating cash suggests earnings may not be fully cash-backed, potentially from timing, credit or working-capital issues. Persistent weak cash conversion undermines balance sheet liquidity and makes dividend coverage and loan growth less sustainable over time.
Relatively Low Equity RatioA relatively low equity ratio indicates greater dependence on debt funding, increasing sensitivity to interest-rate rises and credit stress. Over a medium-term horizon this can constrain capital deployment, raise regulatory capital risk, and amplify earnings volatility during economic downturns.
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 $443.91M.
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 62 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 0.78.
How many shares outstanding does Orange County Bancorp have?
Orange County Bancorp has 13,366,740 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.00 (8.40% Upside)
$36.00 (8.40% Upside)
Hedge Fund Trend
Decreased
By 25.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $28.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-14.07%
12-Months-Change
Fundamentals
Return on Equity
15.69%
Trailing 12-Months
Asset Growth
5.04%
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
▲(8.40% Upside)
Technical Analysis
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Ownership Overview
8.21% Insiders
10.20% Mutual Funds
12.92% Other Institutional Investors
59.16% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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