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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$22.98 - $40.10
Previous CloseN/A
Volume2.10K
Average Volume (3M)39.30K
Market Cap
$505.21M
Enterprise Value$259.99M
Total Cash (Recent Filing)$416.51M
Total Debt (Recent Filing)$34.58M
Price to Earnings (P/E)10.7
Beta0.82
Next Earnings
Aug 05, 2026EPS Estimate
0.8Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)3.40
Shares Outstanding13,407,904
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 Cap0.51
Enterprise Value/Revenue1.66
Enterprise Value/Gross Profit2.18
Enterprise Value/Ebitda4.99
Forecast
1Y Price Target
$40.00Price Target Upside10.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.4
Revenue Forecast (FY)$133.80M
Bulls Say, Bears Say
Bulls Say
Stronger Balance SheetA materially lower debt-to-equity (~0.12 in 2025) and equity growth improve capital resilience and loss-absorption capacity. This durable improvement supports lending capacity, regulatory compliance and strategic flexibility, reducing refinancing and solvency risk over the medium term.
Reliable Cash GenerationStrong TTM operating and free cash flow, with FCF tracking near net income, indicates high cash conversion. This underpins sustainable dividend payouts, internal funding for loan growth and reserves, and long-term financial flexibility versus peers with weaker cash conversion.
High Profitability & ROEA roughly 28% net profit margin and mid-teens ROE reflect enduring operational efficiency and pricing power. Sustained margins support internal capital formation, dividend capacity and buffer against cyclical revenue swings, making earnings generation structurally stronger.
Bears Say
Slowing Top-line MomentumA TTM revenue decline signals weakening core growth drivers—loan or fee expansion—reducing the durability of earnings. If sustained, lower revenue limits internal reinvestment and heightens reliance on margin expansion or noninterest income to maintain profit and dividend levels.
Historic Leverage And Cash-Flow VolatilityPast swings in leverage and year-to-year free cash-flow variability indicate management has operated with less predictable capital metrics. This elevates refinancing, regulatory and funding risks in stress periods and can force defensive actions that impair growth or returns.
Geographic Concentration RiskConcentration in the Hudson Valley and metro New York limits geographic diversification, exposing performance to local economic cycles and CRE trends. This structural exposure can amplify downside in regional downturns and constrain long-term growth versus more diversified banks.
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 $22.98 and its highest was $40.10 in the past 12 months.
What is Orange County Bancorp’s market cap?
Orange County Bancorp’s market cap is $505.21M.
When is Orange County Bancorp’s upcoming earnings report date?
Orange County Bancorp’s upcoming earnings report date is Aug 05, 2026 which is in 27 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 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 0.8.
How many shares outstanding does Orange County Bancorp have?
Orange County Bancorp has 13,407,904 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
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$40.00 (10.68% Upside)
$40.00 (10.68% Upside)
Hedge Fund Trend
Decreased
By 10.3K Shares
Last Quarter.
Last Quarter.
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., 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 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; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and 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
$40.00
▲(10.68% Upside)
Technical Analysis
Civista Bancshares
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Midland States Bancrop
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First Bank
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Farmers & Merchants Bancorp
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Blue Ridge Bankshares
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Ownership Overview
8.51% Insiders
10.83% Mutual Funds
11.96% Other Institutional Investors
57.40% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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