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
▲(7.91% 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
High and improving margins
Improved operating and net margins indicate durable profitability and pricing power in core banking operations. Higher margins support healthier ROE and internal capital accumulation, enabling reinvestment in lending, reserve building, and continued shareholder distributions over the medium term.
Negative Factors
Sharp decline in cash generation
A roughly 77% year-over-year drop in operating and free cash flow materially weakens cash conversion and raises earnings-quality concerns. Sustained weak cash generation would constrain dividend sustainability, reserve builds, and organic growth funding, forcing balance-sheet adjustments.
Read all positive and negative factors
Positive Factors
Negative Factors
High and improving margins
Improved operating and net margins indicate durable profitability and pricing power in core banking operations. Higher margins support healthier ROE and internal capital accumulation, enabling reinvestment in lending, reserve building, and continued shareholder distributions over the medium term.
Read all positive factors
Orange County Bancorp (OBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$448.76M
Dividend Yield2%
Average Volume (3M)39.30K
Price to Earnings (P/E)9.5
Beta (1Y)0.78
Revenue Growth10.89%
EPS Growth40.90%
CountryUS
Employees225
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.32
Shares Outstanding13,407,690
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 Cap0.54
Enterprise Value/Revenue1.53
Enterprise Value/Gross Profit2.03
Enterprise Value/Ebitda4.57
Forecast
1Y Price Target
$40.00Price Target Upside10.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.4
Revenue Forecast (FY)$135.45M
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 | 362.57M | 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
36.14
Price Trends
33.22
Positive
30.99
Positive
28.14
Positive
Market Momentum
0.92
Negative
75.18
Negative
86.69
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 36.14 is above the 20-day moving average (MA) of 33.39, above the 50-day MA of 33.22, and above the 200-day MA of 28.14, indicating a bullish trend. The MACD of 0.92 indicates Negative momentum. The RSI at 75.18 is Negative, neither overbought nor oversold. The STOCH value of 86.69 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $510.43M | 7.87 | 10.21% | 2.96% | 4.52% | 19.77% | |
72 Outperform | $448.76M | 9.46 | 16.09% | 2.00% | 10.89% | 40.90% | |
71 Outperform | $538.35M | 6.43 | 6.16% | 5.87% | -19.77% | ― | |
70 Outperform | $364.17M | 9.21 | 9.85% | 3.18% | 6.00% | 31.08% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $366.46M | 13.05 | 9.60% | 1.41% | 7.99% | 8.25% | |
49 Neutral | $306.90M | 110.96 | 3.15% | ― | -10.96% | ― |
* Financial Sector Average
OBT
Orange County Bancorp
33.47
8.28
32.89%
CIVB
Civista Bancshares
25.00
2.91
13.18%
MSBI
Midland States Bancrop
27.79
11.18
67.36%
FRBA
First Bank
15.16
0.90
6.29%
FMAO
Farmers & Merchants Bancorp
27.17
3.17
13.18%
BRBS
Blue Ridge Bankshares
3.43
0.60
21.29%
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.