Orange County Bancorp (OBT) AI Stock Analysis

• Market Cap: $342.76M
• Dividend Yield: 2.01%
• Average Volume (3M): 41.72K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.93
• Revenue Growth: 6.60%
• EPS Growth: -16.86%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.70
• Shares Outstanding: 13,362,912
• 10 Day Avg. Volume: 69,649
• 30 Day Avg. Volume: 41,717
• PEG Ratio: -1.97
• Price to Book (P/B): 1.69
• Price to Sales (P/S): 2.20
• P/FCF Ratio: 9.56
• Enterprise Value/Market Cap: 0.54
• Enterprise Value/Revenue: 1.24
• Enterprise Value/Gross Profit: 1.75
• Enterprise Value/Ebitda: 4.65
• 1Y Price Target: $29.00
• Price Target Upside: 13.06% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 70 Outperform
• Price Target: $28.00 ▲(9.16% Upside)

The overall stock score of 70 reflects strong financial performance and attractive valuation, offset by mixed technical indicators. The company's profitability and improved leverage management are significant strengths, while concerns about cash flow sustainability and neutral market momentum present potential risks.

Orange County Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Orange County Bancorp generates revenue through multiple key streams, primarily by earning interest on loans and other financial products. The company issues loans to both consumers and businesses, and the interest accrued on these loans constitutes a significant portion of its income. Additionally, OBT earns income from fees associated with deposit accounts, transaction services, and wealth management advisory services. The bank also benefits from non-interest income sources, such as fees from mortgage origination and servicing, as well as commissions from investment products. Strategic partnerships with local businesses and community organizations further enhance its service offerings and customer base, contributing to overall revenue growth.

Orange County Bancorp Financial Statement Overview

Summary

Orange County Bancorp exhibits strong financial performance with consistent revenue growth and solid profitability metrics. The balance sheet is stable, with low leverage and improving equity. Cash flow performance supports its operational and strategic initiatives, although careful management of liabilities and operational efficiency will be key to sustaining growth.

Income Statement

Orange County Bancorp has demonstrated strong revenue growth, with a substantial increase from $64.4M in 2020 to $144.6M in TTM 2025. Gross profit margins remain robust, indicating efficient cost management. However, there was a slight decline in EBIT margin in TTM 2025 as compared to earlier periods, suggesting some pressure on operational efficiency.

Balance Sheet

The balance sheet reflects a solid equity base, with Stockholders' Equity growing steadily. The debt-to-equity ratio remains low, indicating prudent financial leverage. The equity ratio has slightly improved, reinforcing financial stability. However, the increase in total liabilities requires monitoring to prevent potential leverage risks.

Cash Flow

Cash flow analysis shows a healthy increase in operating cash flow, aligning well with net income growth. Free cash flow has been consistently positive, although its growth rate has moderated, reflecting higher capital expenditures. The operating cash flow to net income ratio suggests efficient cash conversion, yet further improvements could enhance financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	148.83M	143.09M	131.07M	96.00M	76.00M	64.43M
Gross Profit	105.42M	99.92M	93.82M	80.35M	69.60M	54.29M
EBITDA	39.80M	36.77M	39.12M	31.97M	28.34M	16.08M
Net Income	29.55M	27.88M	29.48M	24.36M	21.29M	11.68M
Balance Sheet
Total Assets	2.61B	2.51B	2.49B	2.29B	2.14B	1.66B
Cash, Cash Equivalents and Short-Term Investments	586.42M	594.11M	637.33M	619.54M	770.98M	451.34M
Total Debt	50.63M	143.09M	254.02M	150.95M	22.38M	22.32M
Total Liabilities	2.35B	2.32B	2.32B	2.15B	1.96B	1.53B
Stockholders Equity	252.59M	185.53M	165.38M	138.14M	182.84M	135.42M
Cash Flow
Free Cash Flow	20.37M	32.87M	40.96M	28.94M	18.36M	10.65M
Operating Cash Flow	22.96M	34.60M	44.50M	30.48M	20.32M	11.34M
Investing Cash Flow	-123.10M	-29.42M	-144.92M	-434.11M	-291.31M	-330.96M
Financing Cash Flow	86.07M	-2.23M	161.72M	183.53M	455.93M	415.74M

Orange County Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 25.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OBT, the sentiment is Negative. The current price of 25.65 is below the 20-day moving average (MA) of 26.16, below the 50-day MA of 25.73, and above the 200-day MA of 25.40, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 47.02 is Neutral, neither overbought nor oversold. The STOCH value of 10.59 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OBT.

Orange County Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRBA	80 Outperform	$413.71M	10.87	10.32%	1.46%	11.18%	24.61%
CIVB	76 Outperform	$399.00M	8.17	8.16%	3.24%	6.20%	18.80%
OBT	70 Outperform	$342.76M	10.03	13.74%	2.01%	6.60%	-16.86%
FMAO	69 Neutral	$360.80M	12.31	8.43%	3.37%	8.62%	37.01%
MSBI	54 Neutral	$378.09M	-3.16	5.35%	7.12%	14.49%	-380.35%
BRBS	51 Neutral	$397.98M	-881.63	-4.69%	―	-20.44%	99.91%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Orange County Bancorp Corporate Events

Orange County Bancorp CEO Gus Scacco Resigns

On September 2, 2025, Gustave “Gus” J. Scacco resigned from his roles as Director of Orange County Bancorp, Inc., and as Chief Executive Officer and Chief Investment Officer of its subsidiary, Hudson Valley Investment Advisors, Inc. This leadership change could impact the company’s strategic direction and investment management operations, potentially influencing stakeholder confidence and market positioning.

The most recent analyst rating on (OBT) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on Orange County Bancorp stock, see the OBT Stock Forecast page.

Orange County Bancorp Declares Cash Dividend Announcement

On August 27, 2025, Orange County Bancorp, Inc. announced a cash dividend of $0.13 per share of its common stock, payable on September 16, 2025, to shareholders recorded by September 8, 2025. This dividend declaration reflects the company’s ongoing commitment to providing value to its shareholders and may enhance its attractiveness in the financial market.

The most recent analyst rating on (OBT) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on Orange County Bancorp stock, see the OBT Stock Forecast page.