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$22.98 - $37.99
Previous CloseN/A
Volume2.10K
Average Volume (3M)39.30K
Market Cap
$475.44M
Enterprise Value$259.99M
Total Cash (Recent Filing)$416.51M
Total Debt (Recent Filing)$34.58M
Price to Earnings (P/E)10.9
Beta0.81
Next Earnings
Aug 05, 2026EPS Estimate
0.79Next 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 Cap0.55
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)$135.55M
Bulls Say, Bears Say
Bulls Say
Strengthened Balance SheetVery low leverage (debt-to-equity ~0.12 in 2025) and equity growth reduce funding and regulatory risk, giving the bank capacity to absorb losses, support lending and return capital. Mid‑teens ROE provides durable profitability to sustain capital build and strategic flexibility.
Strong Cash GenerationConsistently strong operating and free cash flow (TTM FCF tracking close to net income) provides internal funding for loan growth, dividends and capital expenditures. High cash conversion increases resilience to stress and lowers dependence on costly external financing over multiple quarters.
Sustained ProfitabilityHigh and improving profitability (TTM net profit ~28% and net income up versus 2025) supports internal capital accumulation, cushions credit cycles and underpins a repeatable dividend policy. Strong margins help maintain competitive pricing and fund strategic investments.
Bears Say
Weakening Top-line MomentumA TTM revenue decline signals weakening loan originations or fee income at the franchise level. Because earnings rely on net interest income and fees, prolonged top-line weakness could erode long-term earnings power, constrain reinvestment, and pressure dividend and capital plans.
Historical Leverage/Cash-flow VolatilityPast swings in leverage and cash-flow growth indicate the bank's capital and liquidity position can be episodically unstable. Such variability raises the risk that management may need to tighten lending or cut distributions during downturns, complicating long-term planning.
Regional ConcentrationA concentrated Hudson Valley franchise limits geographic diversification and increases exposure to local economic or CRE cycles. Smaller scale versus national peers also constrains fee diversification and technology investment, which can cap sustainable growth and competitiveness.
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 $37.99 in the past 12 months.
What is Orange County Bancorp’s market cap?
Orange County Bancorp’s market cap is $475.44M.
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 48 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 0.79.
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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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.
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., operating through its subsidiaries, delivers a broad spectrum of commercial and consumer financial services, alongside specialized trust and wealth management offerings. Its clientele includes small and mid-sized businesses, local government entities, and affluent individuals. The institution provides diverse deposit accounts such as interest-bearing and non-interest-bearing checking options, money market and savings accounts, and certificates of deposit. On the lending side, it extends financing for commercial real estate, commercial and industrial ventures, real estate construction, residential properties, home equity, and various consumer needs. Complementing its banking operations, the company also offers traditional trust administration, sophisticated asset management, personalized financial planning, and holistic wealth management solutions. The company's physical footprint includes 14 full-service branches and one loan production office, strategically located across Orange, Westchester, Rockland, and Bronx counties within New York. Established in 1892, Orange County Bancorp, Inc. maintains its corporate headquarters in Middletown, New York.
OBT Stock 12 Month Forecast
Average Price Target
$40.00
▲(10.68% Upside)
Technical Analysis
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Ownership Overview
8.51% Insiders
10.74% Mutual Funds
11.96% Other Institutional Investors
58.20% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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