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OBT Stock Chart & Stats
$37.69
$0.45(1.21%)
At close: 4:00 PM EDT
$37.69
$0.45(1.21%)
Day’s Range― - ―
52-Week Range$22.98 - $40.10
Previous Close$37.69
Volume72.53K
Average Volume (3M)39.30K
Market Cap
$506.42M
Enterprise Value$191.85
Total Cash (Recent Filing)$416.51M
Total Debt (Recent Filing)$34.58M
Price to Earnings (P/E)10.8
Beta0.90
Next Earnings
Oct 27, 2026EPS Estimate
0.82Next Dividend Ex-DateN/A
Dividend Yield1.75%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.41
Revenue Forecast (FY)$133.00M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthA materially lower debt-to-equity (~0.12) and equity growth provide durable capital cushion and regulatory headroom. This strengthens the bank’s ability to absorb loan losses, support lending activity, and maintain payouts without needing immediate external capital in the coming months.
Cash GenerationConsistent operating cash flow and free cash flow tracking near net income indicate reliable internal funding for operations, loan growth and capital returns. Strong cash generation reduces reliance on volatile wholesale funding and supports strategic flexibility over the medium term.
Governance & Capital ReturnAn ongoing quarterly cash dividend and recent shareholder ratifications signal disciplined capital allocation and stable governance. Predictable payouts and board continuity support investor confidence and reflect management intent to balance growth and returns sustainably over time.
Bears Say
Slowing Revenue MomentumA TTM decline in revenue after prior modest growth is a structural concern: weaker top-line limits the bank’s ability to expand interest and fee income, forces tighter expense management, and reduces cushion for margin shocks or higher credit provisioning in the medium term.
Historical Leverage VolatilityPast episodes of elevated leverage indicate the capital profile has swung meaningfully, which can raise regulatory and funding risk perceptions. Recurrence of such volatility could constrain lending, force capital raises, or limit dividends during stress, affecting medium-term stability.
Deposit And Rate SensitivityCore earnings depend on net interest income driven by deposit mix and rate spreads. Structural sensitivity to deposit costs and loan repricing means sustained adverse rate moves or deposit outflows can compress margins and constrain net interest growth absent offsetting loan repricing or fee expansion.
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 $506.42M.
When is Orange County Bancorp’s upcoming earnings report date?
Orange County Bancorp’s upcoming earnings report date is Oct 27, 2026 which is in 87 days.
How were Orange County Bancorp’s earnings last quarter?
Orange County Bancorp released its earnings results on Jul 28, 2026. The company reported $0.945 earnings per share for the quarter, beating the consensus estimate of $0.8 by $0.145.
Is Orange County Bancorp overvalued?
According to Wall Street analysts Orange County Bancorp’s price is currently Overvalued.
Does Orange County Bancorp pay dividends?
Orange County Bancorp pays a Quarterly dividend of $0.18 which represents an annual dividend yield of 1.75%. See more information on Orange County Bancorp dividends here
What is Orange County Bancorp’s EPS estimate?
Orange County Bancorp’s EPS estimate is 0.82.
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 $0.945 in its last earnings report, beating expectations of $0.8. Following the earnings report the stock price went down -0.797%.
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
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3
4
5
6
7
8
9
10
Hedge Fund Trend
Decreased
By 10.3K Shares
Last Quarter.
Last Quarter.
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
1.75%
Trailing 12-Months
Asset Growth
7.45%
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.
Technical Analysis
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Ownership Overview
8.51% Insiders
10.83% Mutual Funds
8.45% Other Institutional Investors
60.53% Public Companies and
Individual Investors