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OBTOrange County Bancorp, Inc.
$39.50$530M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
OBT logo

Orange County Bancorp, Inc.

OBT
NASDAQ · Regional Banks
$39.50
At close - Nov 6, 4:00 PM EST - USD
Market Cap$530M
P/E10.6x
52W High$41.66
Volume53.16K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

NII Acceleration Masks Fee Collapse and Securities Concentration Risk

Orange County Bancorp's earnings power is accelerating, with NII growth reaching 13.1% year-over-year in 2026Q2 and EPS growing 17.2%, driven by a 10 basis point NIM expansion to 1.0%.

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

OBT price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

-17% Peers

P/E is 17% below peer median

03

Market leadership

RS 78 · Avg

Average momentum (RS Rating: 78)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 28

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OBT+41.09%
S&P 500 (^GSPC)+7.63%
1-Year Return
OBT+58.10%
S&P 500 (^GSPC)+9.69%
3-Year Return
OBT+90.81%
S&P 500 (^GSPC)+67.24%
5-Year Return
OBT+120.30%
S&P 500 (^GSPC)+55.38%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
10.6x
Forward P/E
11.1x
EV/EBITDA25th %ile
6.4x
FCF YieldCash Flow
7.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.6x
10.7x
40th· Fair
EV/EBITDA
6.4x
10.2x
25th· Low
Price/FCF
12.8x
9.0x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$127M+18.2% YoY
Net income FY25
$42M+49.2% YoY
Free cash flow FY25
$41M+25.7% YoY
Operating margin FY25
40.5%+8.2 pts YoY
ROIC (FY25)11.9%
Avg ROIC 5Y9.4%
ROE (TTM)16.7%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (80%)
Revenue Beat Rate5/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 28, 2026
$0.93+13.8%
vs $0.82
$35M+5.4%
vs $34M
Q3 2026
Jul 29, 2026
$1.02+27.5%
vs $0.80
$28M-15.7%
vs $33M
Q2 2026
Apr 28, 2026
$0.85+9.0%
vs $0.78
$32M-0.7%
vs $32M
Q1 2026
Feb 4, 2026
$0.93+24.0%
vs $0.75
$33M+5.2%
vs $31M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
GlobeNewsWire·Oct 28, 2026
Orange County Bancorp, Inc. Announces Record Third Quarter Earnings

MIDDLETOWN, N.Y., Oct. 28, 2026 (GLOBE NEWSWIRE) -- Orange County Bancorp, Inc. (the “Company” - Nasdaq: OBT), parent company of Orange Bank & Trust Co. (the “Bank”) and Orange Investment Advisors, Inc. (“OIA”), today announced net income of $12.5 million, or $0.93 per basic and diluted share, for the three months ended September 30, 2026. This compares with net income of $10.0 million, or $0.75 per basic and diluted share, for the three months ended September 30, 2025. The increase in earnings per share, basic and diluted, was due primarily to an increase in net interest income, which included a reduction in borrowing costs due to deposit growth, and reduction in provision for credit losses, partially offset by a decrease in noninterest income, resulting from the recognition of bank owned life insurance income in the prior year period. For the nine months ended September 30, 2026, net income reached $37.4 million, or $2.80 per basic and diluted share, as compared to $29.2 million, or $2.39 per basic and diluted share, for the nine months ended September 30, 2025.

Zacks Investment Research·Oct 23, 2026
Orange County Bancorp, Inc. (OBT) is on the Move, Here's Why the Trend Could be Sustainable

Orange County Bancorp, Inc. (OBT) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price Strength" screen.

Defense World·Oct 4, 2026
Orange County Bancorp (NASDAQ:OBT) & ABN AMRO Bank (OTCMKTS:AAVMY) Head-To-Head Comparison

ABN AMRO Bank (OTCMKTS:AAVMY - Get Free Report) and Orange County Bancorp (NASDAQ: OBT - Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, risk, earnings, analyst recommendations, dividends, institutional ownership and profitability. Profitability This table compares ABN AMRO

Defense World·Sep 29, 2026
Head to Head Analysis: Orange County Bancorp (NASDAQ:OBT) & Primis Financial (NASDAQ:FRST)

Orange County Bancorp (NASDAQ: OBT - Get Free Report) and Primis Financial (NASDAQ: FRST - Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, dividends, risk, profitability, analyst recommendations and institutional ownership. Insider and Institutional Ownership 42.5% of

Filtered for Orange County Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark OBT against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Orange County Bancorp, Inc. (OBT)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OBT logoOBTOrange County Bancorp, Inc.Current
$39.50$529.61M10.6018.19%39.87%16.74%1.44%
DCOM logoDCOMDime Community Bancshares, Inc.
$42.21$1.86B12.7544.2%28.05%9.5%2.36%
NBTB logoNBTBNBT Bancorp Inc.
$52.83$2.75B12.6814.54%28.98%11.31%2.7%
TRMK logoTRMKTrustmark Corporation
$44.64$2.62B11.0377.36%30.01%11.1%2.16%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.38$225.48M16.12-9.39%28.36%7.64%1.59%
FXNC logoFXNCFirst National Corporation
$30.42$275.03M12.0033.46%24.12%12.06%2.01%

Compare OBT vs Peers

Orange County Bancorp, Inc. (OBT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs DCOM

Most directly comparable listed peer for OBT.

Scale Benchmark

vs V

Larger-name benchmark to compare OBT against a more recognizable public peer.

Peer Set

Compare Top 5

vs DCOM, NBTB, TRMK, CZWI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

OBT SEC Filings & Documents

Orange County Bancorp, Inc. (OBT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 21, 2026·SEC

Material company update

Jul 28, 2026·SEC

Material company update

May 27, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 17, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

Aug 10, 2026·SEC

FY 2026

May 11, 2026·SEC

FY 2025

Nov 10, 2025·SEC

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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 2.9% over the trailing twelve months, compared with the twelve months before.

Is OBT profitable?

Yes. Orange County Bancorp, Inc. (OBT) earned $49.9M in net income over the trailing twelve months (a 39.9% net margin).

Dividend & Returns
Does OBT pay dividends?

Yes. Orange County Bancorp, Inc. (OBT) pays a dividend that yields 1.44% at the current price, a moderate yield.

What is OBT's return on equity?

Orange County Bancorp, Inc. (OBT) had a return on equity (ROE) of 16.7% over the trailing twelve months. That is above the market's typical 10-15%.

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 53.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in OBT back in 2011?

Total return calculator · dividends reinvested · 15+ years of data

See returns →