Orange County Bancorp (OBT) AI Stock Analysis

• Market Cap: $290.29M
• Dividend Yield: 1.85%
• Average Volume (3M): 22.00K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.92
• Revenue Growth: 6.08%
• EPS Growth: -23.52%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 11,383,738
• 10 Day Avg. Volume: 22,382
• 30 Day Avg. Volume: 21,995
• PEG Ratio: -0.53
• Price to Book (P/B): 1.45
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.94
• Enterprise Value/Market Cap: 0.45
• Enterprise Value/Revenue: 0.25
• Enterprise Value/Gross Profit: 1.03
• Enterprise Value/Ebitda: 0.82
• 1Y Price Target: $45.25
• Price Target Upside: 77.45% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 77 Outperform
• Price Target: $29.00 ▲( 13.73% Upside)

Orange County Bancorp's robust financial foundations and reasonable valuation contribute significantly to its overall score. Despite liquidity challenges, its operational efficiency and market momentum present a solid investment case. The dividend announcement further supports investor confidence, although not factored into the score due to weighting adjustments.

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 makes money primarily through the interest income generated from its loan portfolio, which includes commercial loans, residential mortgages, and consumer loans. The company also earns revenue from non-interest income sources, such as fees for account services, transaction processing, and wealth management services. Additionally, the bank invests in securities, which contributes to its earnings through interest and dividends. The company's earnings are further supported by its strategic focus on building strong customer relationships and maintaining a diverse range of financial products tailored to meet the needs of its local community.

Orange County Bancorp Financial Statement Overview

Summary

Orange County Bancorp shows strong revenue growth and operational performance, with excellent management of debt and equity. However, concerns exist regarding net income margins and cash flow management, which need addressing for sustained financial health.

Income Statement

Orange County Bancorp has demonstrated strong revenue growth, with a significant increase from $59.7 million in 2020 to $127.2 million in 2024. The gross profit margin remains high at 100%, as expected in the banking industry, where cost of goods sold is minimal. The net profit margin decreased slightly from 31.4% in 2023 to 21.9% in 2024, indicating increased expenses or lower efficiency. Nevertheless, the EBIT margin improved significantly from 39.5% in 2023 to 95.3% in 2024, showcasing strong operational performance. Overall, the income statement reflects robust revenue growth and operational efficiency but highlights potential concerns in net income management.

Balance Sheet

The balance sheet indicates a strong equity base with stockholders' equity increasing from $165.4 million in 2023 to $185.5 million in 2024. The debt-to-equity ratio is excellent at 0, reflecting a debt-free position in 2024. The return on equity declined from 17.8% in 2023 to 15.0% in 2024, suggesting a slight decrease in profitability relative to equity. The equity ratio remains stable, covering a healthy portion of total assets. Overall, the balance sheet portrays financial stability with solid equity growth and no debt, though there is a slight dip in profitability.

Cash Flow

Cash flow analysis shows a decrease in operating cash flow from $44.5 million in 2023 to $5.66 million in 2024, which could indicate liquidity concerns or increased operational costs. The free cash flow also decreased significantly from $40.96 million in 2023 to $5.66 million in 2024, reflecting tight cash management. The operating cash flow to net income ratio dropped significantly, indicating a weakening cash conversion. While the company has managed cash effectively in the past, recent figures suggest a need for improved cash flow management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
107.63M	93.94M	89.87M	72.03M	59.71M
	Gross Profit
107.63M	93.94M	89.87M	72.03M	59.71M
	EBIT
34.82M	37.15M	36.41M	26.68M	14.52M
	EBITDA
0.00	39.12M	31.97M	28.34M	15.80M
	Net Income Common Stockholders
27.88M	29.48M	24.36M	21.29M	11.68M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
594.11M	147.38M	619.54M	770.98M	451.34M
	Total Assets
2.51B	2.49B	2.29B	2.14B	1.66B
	Total Debt
143.09M	254.02M	282.45M	22.38M	22.32M
	Net Debt
-7.24M	106.64M	196.37M	-283.80M	-98.91M
	Total Liabilities
2.32B	2.32B	2.15B	22.38M	22.32M
	Stockholders Equity
185.53M	165.38M	138.14M	182.84M	135.42M
Cash Flow		Free Cash Flow
32.87M	40.96M	28.94M	18.36M	10.65M
	Operating Cash Flow
34.60M	44.50M	30.48M	20.32M	11.34M
	Investing Cash Flow
-29.42M	-144.92M	-434.11M	-291.31M	-330.96M
	Financing Cash Flow
-2.23M	161.72M	183.53M	455.93M	415.74M

Orange County Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 25.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 25.5 is below the 20-day moving average (MA) of 25.65, above the 50-day MA of 24.19, and below the 200-day MA of 26.73, indicating a neutral trend. The MACD of 0.72 indicates Positive momentum. The RSI at 51.16 is Neutral, neither overbought nor oversold. The STOCH value of 36.72 is Neutral, 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
FNLC	78 Outperform	$278.60M	9.88	11.19%	5.79%	13.25%	1.46%
OBT	77 Outperform	$290.29M	10.57	14.76%	1.85%	6.08%	-23.52%
CZFS	75 Outperform	$298.48M	10.49	9.62%	3.21%	9.53%	63.45%
PCB	75 Outperform	$284.87M	10.20	8.00%	3.66%	14.10%	11.76%
SFST	69 Neutral	$314.58M	16.32	5.60%	―	8.57%	37.95%
Sector *	64 Neutral	$12.66B	9.79	7.67%	17015.07%	12.23%	-6.06%
WSBF	60 Neutral	$241.31M	12.49	5.50%	4.74%	5.89%	96.63%

Orange County Bancorp Corporate Events

Orange County Bancorp Approves Key Proposals at Annual Meeting

On May 20, 2025, Orange County Bancorp, Inc. held its Annual Meeting of Stockholders where all submitted proposals were approved. Key decisions included the election of directors for varying terms and the ratification of Crowe LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025.

The most recent analyst rating on (OBT) stock is a Buy with a $35.00 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 May 16, 2025, Orange County Bancorp, Inc. announced a $0.13 cash dividend per share of its common stock, to be paid on June 16, 2025, to shareholders of record on June 4, 2025. This declaration reflects the company’s ongoing commitment to providing value to its shareholders and may positively influence its market positioning by reinforcing investor confidence.

The most recent analyst rating on (OBT) stock is a Buy with a $35.00 price target. To see the full list of analyst forecasts on Orange County Bancorp stock, see the OBT Stock Forecast page.