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
$462.04M
Enterprise Value$233.58M
Total Cash (Recent Filing)$416.51M
Total Debt (Recent Filing)$34.58M
Price to Earnings (P/E)9.5
Beta0.80
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 Cap0.51
Enterprise Value/Revenue1.50
Enterprise Value/Gross Profit1.95
Enterprise Value/Ebitda4.52
Forecast
1Y Price Target
$40.00Price Target Upside10.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.39
Revenue Forecast (FY)$135.55M
Bulls Say, Bears Say
Bulls Say
Stronger Capital StructureA materially lower debt-to-equity (~0.12 in 2025) and equity growth meaningfully improve financial flexibility and regulatory resilience. Persistently lower leverage reduces funding stress in downturns and supports capacity for lending, capital returns, and steady risk-weighted asset growth over months.
Robust Cash GenerationConsistent operating cash flow and free cash flow that track near net income indicate durable internal funding for lending, dividends, and capital needs. Strong cash conversion helps absorb credit cycles and supports strategic investments without reliance on volatile wholesale funding.
High ProfitabilitySustained high profitability (TTM net profit ~28% and mid-teens ROE) reflects efficient operations and attractive spread generation. Durable margins provide an earnings buffer against credit stress and enable continued reinvestment and shareholder distributions over the next several quarters.
Bears Say
Top-line WeaknessA recent shift to negative TTM revenue growth signals cooling loan originations or fee income and could pressure long-term earnings if persistent. Without sustained top-line drivers, the bank may need to rely more on margin expansion or noncore activities to maintain profit levels.
Historic Leverage VolatilityPrior episodes of much higher leverage indicate the capital structure has been unstable historically. This volatility increases refinancing and regulatory risk during stress periods and suggests management may need to prioritize capital buffers over growth when markets tighten.
Cash-flow VariabilityUneven free cash flow year-to-year, including a 2024 decline and inconsistent debt-service coverage signals, raises forecasting risk for dividend sustainability and balance sheet planning. Variability complicates capital allocation and may force conservative provisioning or retained earnings build-up.
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 $462.04M.
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 69 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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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.
Insider Transactions
Bought Shares
Worth $6.2K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
$40.00
▲(10.68% Upside)
Technical Analysis
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Blue Ridge Bankshares
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Ownership Overview
8.51% Insiders
10.47% Mutual Funds
11.96% Other Institutional Investors
58.91% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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