Orange County Bancorp (OBT) AI Stock Analysis

• Market Cap: $347.13M
• Dividend Yield: 1.96%
• Average Volume (3M): 66.42K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.99
• 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: 13,104,168
• 10 Day Avg. Volume: 110,075
• 30 Day Avg. Volume: 66,417
• PEG Ratio: -4.87
• Price to Book (P/B): 1.34
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.88
• Enterprise Value/Market Cap: 0.57
• Enterprise Value/Revenue: 0.35
• Enterprise Value/Gross Profit: 1.97
• Enterprise Value/Ebitda: 1.26
• 1Y Price Target: $40.17
• Price Target Upside: 47.96% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 78 Outperform
• Price Target: $28.00 ▲(3.13%Upside)

Orange County Bancorp's strong financial performance and strategic corporate events are key strengths. Its attractive valuation further supports the stock's outlook. Technical indicators suggest a neutral trend, which tempers the overall positive sentiment.

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 interest income generated from its loan portfolio, which includes personal, commercial, and real estate loans. The company earns additional revenue through fees and service charges related to its banking services, such as account maintenance fees, transaction fees, and overdraft fees. Furthermore, its wealth management division contributes to revenue through asset management fees, financial planning, and investment advisory services. The bank also benefits from strategic partnerships and collaborations that enhance its product offerings and broaden its customer base. The combination of these revenue streams, along with prudent financial management, supports the company's profitability and growth.

Orange County Bancorp Financial Statement Overview

Summary

Orange County Bancorp exhibits strong revenue growth and operational performance. The balance sheet shows financial stability with solid equity growth and no debt. 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	144.60M	143.09M	131.07M	96.00M	76.00M	64.43M
Gross Profit	100.78M	99.92M	93.82M	80.35M	69.60M	54.29M
EBITDA	36.44M	36.77M	39.12M	31.97M	28.34M	16.08M
Net Income	27.30M	27.88M	29.48M	24.36M	21.29M	11.68M
Balance Sheet
Total Assets	2.56B	2.51B	2.49B	2.29B	2.14B	1.66B
Cash, Cash Equivalents and Short-Term Investments	287.32M	594.11M	637.33M	619.54M	770.98M	451.34M
Total Debt	50.11M	143.09M	254.02M	150.95M	22.38M	22.32M
Total Liabilities	2.36B	2.32B	2.32B	2.15B	1.96B	1.53B
Stockholders Equity	201.32M	185.53M	165.38M	138.14M	182.84M	135.42M
Cash Flow
Free Cash Flow	35.22M	32.87M	40.96M	28.94M	18.36M	10.65M
Operating Cash Flow	37.19M	34.60M	44.50M	30.48M	20.32M	11.34M
Investing Cash Flow	-86.62M	-29.42M	-144.92M	-434.11M	-291.31M	-330.96M
Financing Cash Flow	68.88M	-2.23M	161.72M	183.53M	455.93M	415.74M

Orange County Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 27.15
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 27.15 is above the 20-day moving average (MA) of 24.47, above the 50-day MA of 24.87, and above the 200-day MA of 26.24, indicating a bullish trend. The MACD of 0.27 indicates Negative momentum. The RSI at 63.16 is Neutral, neither overbought nor oversold. The STOCH value of 90.16 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OBT.

Orange County Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNLC	80 Outperform	$292.16M	10.36	11.19%	5.52%	13.08%	1.42%
OBT	78 Outperform	$347.13M	10.98	14.76%	1.96%	6.08%	-23.52%
SFST	76 Outperform	$319.40M	17.47	5.60%	―	8.57%	37.95%
PCB	75 Outperform	$308.79M	11.12	7.60%	3.71%	14.10%	11.51%
CZFS	73 Outperform	$294.25M	10.34	9.62%	3.20%	9.53%	63.45%
WSBF	69 Neutral	$266.68M	13.80	5.50%	4.29%	5.89%	96.63%
Sector *	67 Neutral	$16.86B	11.64	9.71%	3.83%	11.61%	-9.60%

Orange County Bancorp Corporate Events

Orange County Bancorp Completes Overallotment Option Sale

On June 9, 2025, Orange County Bancorp, Inc. announced the completion of an overallotment option sale of 258,064 additional shares of common stock at $23.25 per share, resulting in expected net proceeds of approximately $5.7 million. This move, facilitated by underwriters Piper Sandler & Co. and Stephens Inc., signifies a strategic financial maneuver aimed at strengthening the company’s capital position, potentially enhancing its market competitiveness and offering further growth opportunities.

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 Announces Public Stock Offering

On June 3, 2025, Orange County Bancorp, Inc. announced an underwritten public offering of 1,720,430 shares of its common stock, with an option for underwriters to purchase an additional 258,064 shares. The offering is expected to close on June 5, 2025, with net proceeds estimated at $37.5 million, intended for general corporate purposes including investments in the bank, regulatory capital, liquidity, and potential strategic acquisitions. Piper Sandler & Co. and Stephens Inc. are managing the offering, which aims to bolster the company’s financial position and support its growth strategy.

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 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.