Orange County Bancorp (OBT)
NASDAQ:OBT
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Orange County Bancorp
(NASDAQ:OBT)
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Rating:75Outperform
Price Target:
$39.00
▲(7.91% Upside)
Action:Reiterated
Date:05/28/26
The score is driven primarily by strong financial performance (profitability, improved leverage, and solid cash generation). Valuation is also supportive with a low P/E and a modest dividend yield. Offsetting these positives, technical signals are only moderately constructive due to mixed momentum readings.
Positive Factors
Strengthened Balance Sheet
Very 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.
Negative Factors
Weakening Top-line Momentum
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strengthened Balance Sheet
Very 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.
Read all positive factors
Orange County Bancorp (OBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$459.22M
Dividend Yield2%
Average Volume (3M)39.30K
Price to Earnings (P/E)10.3
Beta (1Y)0.80
Revenue Growth10.89%
EPS Growth40.90%
CountryUS
Employees225
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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/Revenue1.51
Enterprise Value/Gross Profit1.98
Enterprise Value/Ebitda4.57
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
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 afflue...
How the Company Makes Money
Orange County Bancorp primarily makes money through its bank subsidiary’s net interest income and noninterest income. Net interest income is earned on the spread between (1) interest income from loans (such as commercial real estate and other busi...
Orange County Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 156.24M | 158.13M | 143.09M | 131.07M | 96.00M | 76.00M |
| Gross Profit | 119.53M | 119.46M | 99.92M | 93.82M | 80.35M | 69.60M |
| EBITDA | 51.66M | 53.10M | 36.77M | 39.12M | 31.97M | 28.34M |
| Net Income | 44.19M | 41.61M | 27.88M | 29.48M | 24.36M | 21.29M |
Balance Sheet | ||||||
| Total Assets | 2.71B | 2.66B | 2.51B | 2.49B | 2.29B | 2.14B |
| Cash, Cash Equivalents and Short-Term Investments | 416.51M | 362.57M | 594.11M | 637.33M | 619.54M | 770.98M |
| Total Debt | 34.58M | 34.55M | 143.09M | 254.02M | 150.95M | 22.38M |
| Total Liabilities | 2.41B | 2.38B | 2.32B | 2.32B | 2.15B | 1.96B |
| Stockholders Equity | 291.66M | 284.36M | 185.53M | 165.38M | 138.14M | 182.84M |
Cash Flow | ||||||
| Free Cash Flow | 46.66M | 41.33M | 32.87M | 40.96M | 28.94M | 18.36M |
| Operating Cash Flow | 49.24M | 43.85M | 34.60M | 44.50M | 30.48M | 20.32M |
| Investing Cash Flow | -43.31M | -74.15M | -29.42M | -144.92M | -434.11M | -291.31M |
| Financing Cash Flow | 87.44M | 84.20M | -2.23M | 161.72M | 183.53M | 455.93M |
Orange County Bancorp Technical Analysis
Positive
36.14
Price Trends
33.89
Positive
32.83
Positive
29.36
Positive
Market Momentum
>-0.01
Negative
51.28
Neutral
67.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OBT, the sentiment is Positive. The current price of 36.14 is above the 20-day moving average (MA) of 33.90, above the 50-day MA of 33.89, and above the 200-day MA of 29.36, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 51.28 is Neutral, neither overbought nor oversold. The STOCH value of 67.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OBT.
Orange County Bancorp Risk Analysis
Orange County Bancorp disclosed 1 risk factors in its most recent earnings report. Orange County Bancorp reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Orange County Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $459.22M | 10.31 | 16.09% | 2.00% | 10.89% | 40.90% | |
75 Outperform | $535.59M | 10.51 | 10.21% | 2.96% | 4.52% | 19.77% | |
73 Outperform | $575.25M | 16.84 | 6.16% | 5.87% | -19.77% | ― | |
70 Outperform | $382.89M | 10.69 | 9.85% | 3.18% | 6.00% | 31.08% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $395.87M | 9.31 | 9.60% | 1.41% | 7.99% | 8.25% | |
54 Neutral | $295.81M | 24.34 | 3.68% | ― | -10.96% | ― |
* Financial Sector Average
OBT
Orange County Bancorp
34.12
9.11
36.43%
CIVB
Civista Bancshares
25.90
4.04
18.51%
MSBI
Midland States Bancrop
27.80
11.97
75.57%
FRBA
First Bank
15.64
1.38
9.70%
FMAO
Farmers & Merchants Bancorp
27.93
4.94
21.48%
BRBS
Blue Ridge Bankshares
3.30
0.49
17.35%
Orange County Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Orange County Bancorp Shareholders Reaffirm Board and Auditor
Positive
May 27, 2026
At the May 26, 2026 annual meeting of stockholders of Orange County Bancorp, Inc., shareholders elected three directors to new three-year terms, confirming Michael J. Gilfeather, Marianna R. Kennedy, and Richard B. Rowley with strong majority supp...
Dividends
Orange County Bancorp Declares Quarterly Cash Dividend
Positive
May 22, 2026
On May 22, 2026, Orange County Bancorp, Inc., the parent of Orange Bank Trust Company and Orange Investment Advisors, Inc., declared a cash dividend of $0.18 per share on its common stock. The dividend is scheduled to be paid on June 15, 2026, to...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.