8-K Announcements
6Material company update
May 27, 2026·SEC
Material company update
May 22, 2026·SEC
Material company update
Apr 28, 2026·SEC
Orange County Bancorp, Inc.(OBT)Earnings, Financials & Key Ratios
OBT•NASDAQ•Banking & Credit
$36.95
11.1× P/E·Price updated Jun 27, 2026
AboutOrange 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.Show more
- Net Interest Income$104M+13.4%
- Total Revenue$158M+10.5%
- Net Income$42M+49.2%
- Return on Equity17.71%+11.5%
- Net Interest Margin3.91%+7.0%
- Efficiency Ratio42.94%-5.6%
- ROA1.61%+44.2%
- Equity / Assets10.69%+44.7%
- Book Value per Share22.73+38.5%
OBT Price & Volume
Orange County Bancorp, Inc. (OBT) stock price & volume — 10-year historical chart
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Regional Expansion Drives Net Interest Income Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial Position:Healthy
Cash Flow:Stable
Primary Risk:CRE concentration and provisioning
"Orange County Bancorp is successfully scaling its footprint into the Bronx and Westchester markets, evidenced by an 18.1% year-over-year growth in net interest income as of 2026Q1. While the bank maintains a robust capital position with an equity-to-assets ratio of 0.11, investors should monitor the volatility in credit provisioning, which swung from a $7.2 million charge in 2024Q3 to zero in 2026Q1. The reliance on a $2.1 billion securities portfolio for liquidity management warrants caution regarding potential interest rate sensitivity and duration risk."
Verdict Logic
while the bank shows solid asset growth and a 1.5% dividend yield, the current 1.63 price-to-book ratio and volatile credit provisioning suggest that investors should wait for more consistent earnings quality before increasing exposure.
OBT Growth Metrics
Orange County Bancorp, Inc. (OBT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years16.72%
5 Years19.67%
3 Years18.1%
TTM-
Profit CAGR
10 Years-
5 Years28.93%
3 Years19.54%
TTM61.9%
EPS CAGR
10 Years-
5 Years20.7%
3 Years15.34%
TTM41.08%
Return on Capital
10 Years11.74%
5 Years16.67%
3 Years17.31%
Last Year17.42%
OBT Recent Earnings
Orange County Bancorp, Inc. (OBT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.85+9.0%
$0.78
Rev
$32M-0.7%
$32M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.93
—
Rev
$40M
—
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$0.93+24.0%
$0.75
Rev
$33M+5.2%
$31M
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$0.75
—
Rev
$41M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.85vs $0.78+9.0% | $32Mvs $32M-0.7% |
| Q2 2026 | Mar 16, 2026 | $0.93 | $40M |
| Q1 2026 | Feb 4, 2026 | $0.93vs $0.75+24.0% | $33Mvs $31M+5.2% |
| Q4 2025 | Nov 10, 2025 | $0.75 | $41M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Orange County Bancorp, Inc. (OBT)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $36.95 | $495.42M | 11.10 | 10.51% | 26.32% | 17.71% | 1.54% | |
| $40.59 | $1.79B | 17.13 | 13.03% | 16.65% | 8.46% | — | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — | |
| $46.59 | $2.73B | 12.59 | 34.75% | 19% | 10.75% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $30.54 | $276.11M | 15.58 | 27.11% | 18.05% | 11.51% | — |
Compare OBT vs Peers
Orange County Bancorp, Inc. (OBT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OBT SEC Filings & Documents
Orange County Bancorp, Inc. (OBT) SEC filings — annual & quarterly reports (10-K, 10-Q)
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OBT Frequently Asked Questions
Orange County Bancorp, Inc. (OBT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Orange County Bancorp, Inc. growing?
Orange County Bancorp, Inc. (OBT) grew revenue by 10.5% over the past year. This is steady growth.
Is OBT profitable?
Yes, Orange County Bancorp, Inc. (OBT) is profitable, generating $44.2M in net income for fiscal year 2025 (26.3% net margin).
Dividend & Returns
Does OBT pay dividends?
Yes, Orange County Bancorp, Inc. (OBT) pays a dividend with a yield of 1.54%. This makes it attractive for income-focused investors.
What is OBT's return on equity?
Orange County Bancorp, Inc. (OBT) has a return on equity (ROE) of 17.7%. This is reasonable for most industries.
Industry Metrics
What is Orange County Bancorp, Inc.'s net interest margin?
Orange County Bancorp, Inc. (OBT) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.
What is Orange County Bancorp, Inc.'s efficiency ratio?
Orange County Bancorp, Inc. (OBT) has an efficiency ratio of 42.9%. This is excellent, indicating strong cost control.