Orange County Bancorp (OBT) AI Stock Analysis

• Market Cap: $360.13M
• Dividend Yield: 1.86%
• Average Volume (3M): 33.72K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.98
• Revenue Growth: 6.60%
• EPS Growth: -16.86%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.70
• Shares Outstanding: 13,362,912
• 10 Day Avg. Volume: 34,513
• 30 Day Avg. Volume: 33,720
• 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: 0.51
• Enterprise Value/Revenue: 1.28
• Enterprise Value/Gross Profit: 1.84
• Enterprise Value/Ebitda: 5.08
• 1Y Price Target: $29.50
• Price Target Upside: 9.46% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 78 Outperform
• Price Target: $30.00 ▲(11.32% Upside)

Orange County Bancorp's strong financial performance and strategic corporate events are the most significant factors contributing to its score. The technical analysis supports a positive outlook with strong momentum indicators. Valuation is reasonable, providing a balanced risk-reward profile. The absence of earnings call data does not impact the overall assessment.

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 shows strong financial performance with significant revenue growth and solid profitability metrics. The balance sheet is stable with low leverage, and cash flow generation supports operational initiatives. However, careful management of liabilities and operational efficiency is necessary to sustain 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	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: 26.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 26.95 is above the 20-day moving average (MA) of 25.44, above the 50-day MA of 26.12, and above the 200-day MA of 25.77, indicating a bullish trend. The MACD of 0.33 indicates Negative momentum. The RSI at 61.31 is Neutral, neither overbought nor oversold. The STOCH value of 74.26 is Neutral, 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
FRBA	80 Outperform	$421.00M	11.07	9.40%	1.43%	11.18%	24.61%
OBT	78 Outperform	$360.13M	10.32	13.74%	1.86%	6.60%	-16.86%
FMAO	78 Outperform	$358.20M	12.22	8.64%	3.34%	8.62%	37.01%
CIVB	76 Outperform	$409.24M	8.21	10.02%	3.16%	6.20%	18.80%
Sector *	68 Neutral	$18.05B	11.73	10.24%	3.73%	9.66%	1.70%
MSBI	60 Neutral	$397.76M	10.95	-16.46%	6.70%	14.49%	-379.97%
BRBS	51 Neutral	$372.19M	―	-0.06%	―	-20.44%	99.91%

Orange County Bancorp Corporate Events

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.

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.

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.