Last 47 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.60 | 9.93 | 9.01 | 9.41 | 7.67 | 8.40 | 7.43 | 7.59 | 11.03 | 26.93 | 9.05 | 7.01 | 10.46 | 6.75 | 5.71 | 18.97 | 7.19 | 6.88 | 24.99 | 10.64 | 10.26 |
| — | +18.2% | +21.4% | +23.9% | -30.4% | -68.8% | -18.0% | +8.3% | +5.4% | +299.1% | +58.6% | -63.0% | +45.5% | -1.9% | -77.1% | +78.2% | -29.9% | -17.0% | +241.0% | +55.0% | +20.4% | |
| P/S Ratio | 4.24 | 3.50 | 4.26 | 3.83 | 2.88 | 2.49 | 2.32 | 2.37 | 2.87 | 3.14 | 2.67 | 2.39 | 3.28 | 2.36 | 2.01 | 2.55 | 2.53 | 2.23 | 2.61 | 2.94 | 2.95 |
| — | +40.5% | +83.5% | +61.4% | +0.5% | -20.7% | -13.1% | -0.7% | -12.5% | +33.0% | +32.8% | -6.4% | +29.5% | +6.3% | -22.8% | -13.2% | -14.1% | -9.4% | +19.7% | +40.6% | +51.6% | |
| P/B Ratio | 1.74 | 1.60 | 1.60 | 1.46 | 1.34 | 1.24 | 1.19 | 1.32 | 1.69 | 1.77 | 1.68 | 1.54 | 2.05 | 1.69 | 1.41 | 1.67 | 1.90 | 1.59 | 1.46 | 1.37 | 1.24 |
| — | +28.6% | +34.4% | +11.2% | -20.9% | -29.5% | -29.0% | -14.3% | -17.5% | +4.6% | +19.5% | -8.0% | +8.1% | +6.2% | -4.0% | +21.9% | +53.1% | +55.6% | +35.2% | +34.2% | +36.6% | |
| P/FCF | 12.81 | — | 9.35 | 11.04 | 7.29 | 2.84 | — | 15.26 | 6.68 | 8.56 | 8.14 | 32.38 | 5.46 | 5.64 | 5.89 | 10.61 | 9.57 | 4.50 | 7.60 | 18.55 | 10.95 |
| — | — | — | -27.6% | +9.0% | -66.8% | — | -52.9% | +22.4% | +51.7% | +38.0% | +205.3% | -42.9% | +25.4% | -22.4% | -42.8% | -12.6% | -34.3% | -12.3% | +10.1% | -5.3% | |
| EV / EBITDA | 6.38 | 4.12 | 3.38 | 4.68 | 3.74 | 3.78 | 3.14 | 3.21 | 8.06 | 19.10 | 4.40 | 4.59 | 9.98 | 5.52 | 4.61 | 18.95 | 6.90 | 1.44 | -3.03 | -3.85 | -1.92 |
| — | +9.2% | +7.6% | +45.8% | -53.6% | -80.2% | -28.6% | -30.1% | -19.2% | +246.0% | -4.6% | -75.8% | +44.7% | +283.5% | +252.4% | +592.6% | +459.9% | +123.2% | +43.9% | -10.2% | -256.3% | |
| EV / EBIT | 6.98 | 4.12 | 3.38 | 4.90 | 3.86 | 3.91 | 3.25 | 3.34 | 8.55 | 21.34 | 4.60 | 4.78 | 10.42 | 5.75 | 4.80 | 21.69 | 7.09 | 1.51 | -3.55 | -4.11 | -2.04 |
| — | +5.6% | +4.1% | +46.5% | -54.8% | -81.7% | -29.4% | -30.0% | -17.9% | +271.0% | -4.2% | -78.0% | +46.9% | +280.7% | +235.3% | +628.2% | +448.2% | +123.0% | +38.1% | -10.6% | -252.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 93.9% | 97.7% | 103.5% | 100.0% | 95.3% | 88.5% | 93.5% | 99.3% | 100.2% | 73.5% | 92.1% | 99.0% | 98.2% | 96.7% | 99.2% | 73.8% | 96.1% | 91.4% | 73.1% | 95.2% | 97.2% |
| — | +10.4% | +10.7% | +0.7% | -4.9% | +20.4% | +1.5% | +0.2% | +2.0% | -24.0% | -7.2% | +34.2% | +2.2% | +5.8% | +35.7% | -22.4% | -1.1% | -3.4% | -23.4% | -4.4% | +8.8% | |
| Operating Margin | 40.5% | 48.9% | 49.1% | 37.3% | 41.4% | 38.6% | 41.9% | 40.4% | 32.8% | 14.8% | 36.7% | 42.8% | 41.4% | 44.0% | 43.4% | 16.2% | 44.5% | 39.9% | 12.3% | 34.4% | 36.5% |
| — | +26.6% | +17.2% | -7.6% | +26.2% | +161.5% | +14.3% | -5.6% | -20.8% | -66.4% | -15.5% | +164.6% | -7.1% | +10.1% | +254.0% | -52.9% | +22.0% | +7.7% | -66.7% | -9.2% | +28.3% | |
| Net Margin | 32.7% | 35.4% | 47.4% | 40.4% | 37.6% | 29.7% | 32.3% | 31.1% | 26.2% | 11.9% | 29.4% | 34.2% | 31.4% | 35.2% | 35.1% | 13.3% | 35.1% | 32.3% | 10.3% | 27.8% | 28.6% |
| — | +19.0% | +46.9% | +29.9% | +43.8% | +150.5% | +9.5% | -9.0% | -16.7% | -66.3% | -16.2% | +157.2% | -10.4% | +8.9% | +240.8% | -52.1% | +22.7% | +8.7% | -65.2% | -8.8% | +24.4% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.7% | 4.1% | 4.6% | 3.9% | 4.5% | 3.8% | 4.6% | 4.5% | 3.8% | 1.7% | 4.7% | 5.6% | 5.3% | 6.2% | 6.1% | 2.3% | 6.6% | 5.6% | 1.4% | 3.1% | 3.0% |
| — | +5.8% | -0.9% | -12.9% | +18.5% | +120.9% | -2.8% | -19.1% | -28.0% | -72.0% | -22.6% | +146.5% | -20.6% | +11.1% | +350.8% | -26.5% | +118.8% | +60.6% | -63.9% | -17.4% | +10.8% | |
| ROA | 1.6% | 0.5% | 0.5% | 0.4% | 0.5% | 0.4% | 0.4% | 0.3% | 0.3% | 0.1% | 0.3% | 0.4% | 0.3% | 0.4% | 0.4% | 0.1% | 0.4% | 0.3% | 0.1% | 0.2% | 0.3% |
| — | +18.0% | +22.5% | +22.5% | +64.8% | +197.2% | +21.7% | -8.8% | -13.5% | -64.8% | -9.3% | +176.3% | -15.5% | +10.9% | +306.6% | -43.5% | +53.1% | +25.1% | -65.6% | -14.3% | +18.8% | |
| ROIC | 11.9% | 3.8% | 3.2% | 2.4% | 3.2% | 3.1% | 3.7% | 2.9% | 2.0% | 1.0% | 2.9% | 2.5% | 2.2% | 2.6% | 2.3% | 0.8% | 3.9% | 4.5% | 1.1% | 2.5% | 2.6% |
| — | +22.0% | -13.4% | -17.1% | +61.1% | +215.6% | +27.7% | +16.5% | -9.4% | -62.1% | +26.6% | +196.0% | -43.7% | -41.8% | +114.4% | -66.5% | +49.7% | +56.4% | -64.9% | -15.1% | +19.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.11 | 0.11 | 0.12 | 0.12 | 0.21 | 0.20 | 0.25 | 0.77 | 0.84 | 0.45 | 0.64 | 1.54 | 1.22 | 1.26 | 1.74 | 1.09 | 0.16 | 0.15 | 0.14 | 0.12 |
| — | -46.9% | -43.7% | -52.4% | -84.2% | -74.8% | -55.3% | -61.0% | -49.8% | -31.4% | -64.3% | -63.4% | +40.6% | +640.4% | +716.1% | +1181.4% | +792.9% | +32.9% | -3.1% | -17.7% | -25.8% | |
| Debt / EBITDA | 0.65 | 2.01 | 2.44 | 3.17 | 2.45 | 4.23 | 3.60 | 4.26 | 15.04 | 36.11 | 7.44 | 8.90 | 22.74 | 14.91 | 15.92 | 57.50 | 12.73 | 2.20 | 7.62 | 3.18 | 3.00 |
| — | -52.6% | -32.2% | -25.5% | -83.7% | -88.3% | -51.6% | -52.1% | -33.9% | +142.1% | -53.3% | -84.5% | +78.6% | +577.7% | +109.0% | +1709.4% | +324.6% | -27.4% | +133.4% | -5.4% | -34.3% | |
| Current Ratio | 0.16 | — | 0.31 | 0.18 | 0.16 | 0.13 | 0.26 | 0.13 | 0.27 | 0.28 | 0.29 | 0.29 | 0.28 | 0.29 | 0.30 | 0.31 | 0.29 | 0.33 | 0.38 | 0.41 | 0.40 |
| — | — | +17.4% | +40.4% | -39.1% | -53.4% | -11.8% | -55.3% | -6.8% | -1.4% | -0.8% | -5.4% | -3.3% | -13.8% | -21.4% | -26.0% | -26.8% | -20.1% | +0.8% | +17.0% | +32.2% | |
| Quick Ratio | 0.16 | — | 0.31 | 0.18 | 0.16 | 0.13 | 0.26 | 0.13 | 0.27 | 0.28 | 0.29 | 0.29 | 0.28 | 0.29 | 0.30 | 0.31 | 0.29 | 0.33 | 0.38 | 0.41 | 0.40 |
| — | — | +17.4% | +40.4% | -39.1% | -53.4% | -11.8% | -55.3% | -6.8% | -1.4% | -0.8% | -5.4% | -3.3% | -13.8% | -21.4% | -26.0% | -26.8% | -20.1% | +0.8% | +17.0% | +32.2% | |
| Interest Coverage | 1.67 | 2.75 | 2.31 | 1.60 | 1.96 | 1.72 | 1.68 | 1.36 | 0.98 | 0.47 | 1.22 | 1.23 | 1.14 | 1.49 | 1.57 | 0.75 | 4.11 | 6.81 | 2.57 | 7.09 | 7.46 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying OBT stock.
Orange County Bancorp, Inc.'s current P/E is 10.6x. The average P/E over the last 4 quarters is 9.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Orange County Bancorp, Inc.'s current operating margin is 40.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Orange County Bancorp, Inc.'s business trajectory between earnings reports.