Orange County Bancorp (OBT) AI Stock Analysis

• Market Cap: $331.80M
• Dividend Yield: 2.01%
• Average Volume (3M): 74.02K
• Price to Earnings (P/E): 9.7
• Beta (1Y): 0.97
• Revenue Growth: 6.60%
• EPS Growth: -16.86%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.70
• Shares Outstanding: 13,362,912
• 10 Day Avg. Volume: 35,665
• 30 Day Avg. Volume: 74,020
• 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: 0.56
• Enterprise Value/Revenue: 1.28
• Enterprise Value/Gross Profit: 1.84
• Enterprise Value/Ebitda: 5.08
• 1Y Price Target: $29.33
• Price Target Upside: 23.96% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 75 Outperform
• Price Target: $29.00 ▲(22.57% Upside)

Orange County Bancorp's strong financial performance and strategic corporate events are the most significant factors driving the score. While technical indicators show mixed signals, the stock's valuation suggests it may be undervalued, offering a potential investment opportunity. The absence of earnings call data limits further insights into management's future outlook.

Orange County Bancorp Business Overview & Revenue Model

Company Description

Orange County Bancorp (OBT) is a financial institution based in the United States, primarily engaged in providing a wide array of banking and financial services to individuals, businesses, and communities in Orange County and surrounding areas. The company operates through various sectors, including commercial banking, retail banking, and wealth management, offering core products such as personal and business loans, deposit accounts, mortgage services, and investment advisory services.

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: Negative
• Last Price: 23.66
• 50DMA: Negative
• 100DMA: Negative
• 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 23.66 is below the 20-day moving average (MA) of 25.84, below the 50-day MA of 25.57, and below the 200-day MA of 25.98, indicating a bearish trend. The MACD of -0.71 indicates Positive momentum. The RSI at 45.27 is Neutral, neither overbought nor oversold. The STOCH value of 31.97 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
OBT	75 Outperform	$331.80M	9.71	13.74%	2.01%	6.60%	-16.86%
FRBA	74 Outperform	$400.39M	10.52	9.40%	1.58%	11.18%	24.61%
CIVB	73 Outperform	$395.72M	8.11	10.02%	3.40%	6.20%	18.80%
FMAO	72 Outperform	$337.47M	11.52	8.64%	3.43%	8.62%	37.01%
Sector *	62 Neutral	AU$10.41B	9.91	13.11%	4.73%	32.38%	21.40%
MSBI	57 Neutral	$376.87M	10.95	-16.46%	6.84%	14.49%	-379.97%
BRBS	41 Neutral	$351.92M	―	-0.06%	―	-20.44%	99.91%

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.