Orange County Bancorp (OBT)
NASDAQ:OBT
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Orange County Bancorp
(NASDAQ:OBT)
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Rating:72Outperform
Price Target:
$39.00
▲(11.91% Upside)
Action:ReiteratedDate:03/17/26
The score is primarily supported by strong profitability, healthy returns, and improved leverage, plus an attractive valuation (low P/E and a dividend). Offsetting these positives are the pronounced 2025 cash-flow drop and weak near-term technical momentum (negative MACD and price below short-term moving averages), which temper the overall rating.
Positive Factors
Sustained Profitability
High and improving margins with mid-teens ROE indicate a profitable franchise that can internally generate capital and absorb shocks. Sustained profitability supports loan growth, dividend capacity and capital accumulation, strengthening long-term franchise value and strategic flexibility.
Negative Factors
Sharp Cash-Flow Decline
A dramatic drop in operating and free cash flow strains earnings quality and reduces internal funding for lending, capital returns, or loss provisioning. Persistent weak cash conversion would impair flexibility and raise the risk that profits are less durable than reported net income.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
High and improving margins with mid-teens ROE indicate a profitable franchise that can internally generate capital and absorb shocks. Sustained profitability supports loan growth, dividend capacity and capital accumulation, strengthening long-term franchise value and strategic flexibility.
Read all positive factors
Orange County Bancorp (OBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$465.89M
Dividend Yield2%
Average Volume (3M)39.30K
Price to Earnings (P/E)8.6
Beta (1Y)0.81
Revenue Growth8.90%
EPS Growth18.23%
CountryUS
Employees225
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.93
Shares Outstanding13,368,447
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 Cap0.64
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit2.48
Enterprise Value/Ebitda5.60
Forecast
1Y Price Target
$36.00Price Target Upside3.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.28
Revenue Forecast (FY)$135.15M
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
84
Very Positive
Balance Sheet
76
Positive
Cash Flow
52
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 158.13M | 143.09M | 131.07M | 96.00M | 76.00M |
| Gross Profit | 119.46M | 99.92M | 93.82M | 80.35M | 69.60M |
| EBITDA | 53.10M | 36.77M | 39.12M | 31.97M | 28.34M |
| Net Income | 41.61M | 27.88M | 29.48M | 24.36M | 21.29M |
Balance Sheet | |||||
| Total Assets | 2.66B | 2.51B | 2.49B | 2.29B | 2.14B |
| Cash, Cash Equivalents and Short-Term Investments | 623.64M | 594.11M | 637.33M | 619.54M | 770.98M |
| Total Debt | 34.55M | 143.09M | 254.02M | 150.95M | 22.38M |
| Total Liabilities | 2.38B | 2.32B | 2.32B | 2.15B | 1.96B |
| Stockholders Equity | 284.36M | 185.53M | 165.38M | 138.14M | 182.84M |
Cash Flow | |||||
| Free Cash Flow | 41.33M | 32.87M | 40.96M | 28.94M | 18.36M |
| Operating Cash Flow | 43.85M | 34.60M | 44.50M | 30.48M | 20.32M |
| Investing Cash Flow | -74.15M | -29.42M | -144.92M | -434.11M | -291.31M |
| Financing Cash Flow | 84.20M | -2.23M | 161.72M | 183.53M | 455.93M |
Orange County Bancorp Technical Analysis
Positive
34.85
Price Trends
32.83
Positive
30.49
Positive
27.89
Positive
Market Momentum
0.57
Negative
70.72
Negative
89.81
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 34.85 is above the 20-day moving average (MA) of 32.32, above the 50-day MA of 32.83, and above the 200-day MA of 27.89, indicating a bullish trend. The MACD of 0.57 indicates Negative momentum. The RSI at 70.72 is Negative, neither overbought nor oversold. The STOCH value of 89.81 is Negative, 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | $465.89M | 8.58 | 16.51% | 2.00% | 8.90% | 18.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $425.27M | 9.41 | 10.03% | 1.41% | 9.76% | 4.43% | |
64 Neutral | $498.68M | 9.14 | 10.02% | 2.96% | 3.49% | 33.86% | |
63 Neutral | $374.36M | 10.19 | 9.33% | 3.18% | 6.52% | 36.77% | |
54 Neutral | $520.13M | -3.72 | -21.66% | 5.87% | 12.76% | -401.62% | |
49 Neutral | $381.80M | 26.69 | 3.15% | ― | -15.07% | ― |
* Financial Sector Average
OBT
Orange County Bancorp
34.85
13.93
66.57%
CIVB
Civista Bancshares
24.05
5.72
31.20%
MSBI
Midland States Bancrop
24.23
10.10
71.47%
FRBA
First Bank
16.92
4.03
31.30%
FMAO
Farmers & Merchants Bancorp
27.23
6.55
31.65%
BRBS
Blue Ridge Bankshares
4.18
1.25
42.66%
Orange County Bancorp Corporate Events
Dividends
Orange County Bancorp Declares Quarterly Cash Dividend Payment
Positive
Feb 20, 2026
On February 20, 2026, Orange County Bancorp, Inc., parent of Orange Bank Trust Company and Orange Investment Advisors, Inc., announced it had declared a cash dividend of $0.18 per share on its common stock. The dividend was scheduled to be paid o...
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.