OBT trades 11.4% below Wall Street's consensus target of $44.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes OBT achieves its forward estimates and maintains a stable P/E multiple of 11.1x. This scenario reflects the blended consensus of 2 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Orange County Bancorp, Inc. (OBT) has a Wall Street consensus price target of $44.00, based on estimates from 2 covering analysts. With the stock currently trading at $39.50, this represents a potential upside of +11.4%. The company has a market capitalization of $530M.
Analyst price targets range from a low of $44.00 to a high of $44.00, representing a 0% spread in expectations. The median target of $44.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 2 analysts rating the stock as a Buy or Strong Buy,0 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, OBT trades at a trailing P/E of 10.6x and forward P/E of 11.1x. The forward PEG ratio of 0.53 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow +0.8% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $49.39, with bear and bull scenarios of $31.12 and $65.08 respectively. Model confidence stands at 53/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 DCOMDime Community Bancshares, Inc. | $1.9B | $42.21 | $48.50 | +14.9% | Buy | 12.4x | 10 |
 NBTBNBT Bancorp Inc. | $2.7B | $52.83 | $57.67 | +9.2% | Hold | 12.6x | 10 |
 TRMKTrustmark Corporation | $2.6B | $44.64 | $47.50 | +6.4% | Hold | 11.3x | 9 |
 CZWICitizens Community Bancorp, Inc. | $225M | $23.38 | $24.00 | +2.7% | Buy | 15.0x | 3 |
 FXNCFirst National Corporation | $275M | $30.42 | $21.00 | -31.0% | Buy | 11.6x | 1 |
 PBHCPathfinder Bancorp, Inc. | $103M | $16.71 | — | — | — | — | — |
 KRNYKearny Financial Corp. | $567M | $9.01 | $10.50 | +16.5% | Hold | 14.4x | 5 |
 MNSBMainStreet Bancshares, Inc. | $157M | $22.11 | — | — | Hold | 10.6x | 1 |
 FISFidelity National Information Services, Inc. | $14.8B | $28.73 | $42.93 | +49.4% | Hold | 4.6x | 40 |
 FISVFiserv, Inc. | $33.5B | $62.88 | $53.70 | -14.6% | Buy | 8.6x | 61 |
Quick answers to the most common questions about buying OBT stock.
Orange County Bancorp, Inc. (OBT) has a consensus 12-month price target of $44, implying 11.4% upside from $39.5. The 2 analysts covering OBT see moderate appreciation potential.
OBT has a consensus rating of "Buy" based on 2 Wall Street analysts. The rating breakdown is predominantly bullish, with 2 Buy/Strong Buy ratings. The consensus 12-month price target of $44 implies 11.4% upside from current levels.
With a forward P/E of 11.0514x, OBT trades at a relatively low valuation. The consensus target of $44 implies 11.4% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $44 for OBT, while the most conservative target is $44. The consensus of $44 represents the median expectation. Our quantitative valuation model projects a bull case target of $65 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
OBT is lightly followed, with 2 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 0 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month OBT stock forecast based on 2 Wall Street analysts shows a consensus price target of $44, with estimates ranging from $44 (bear case) to $44 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $49, with bear/bull scenarios of $31/$65.
Our quantitative valuation model calculates OBT's fair value at $49 (base case), with a bear case of $31 and bull case of $65. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 53/100.
OBT trades at a forward P/E ratio of 11.1x based on next-twelve-months earnings estimates compared to a trailing P/E of 10.6x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on OBT, with a "Buy" consensus rating and $44 price target (11.4% upside). 2 of 2 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
OBT analyst price targets range from $44 to $44, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $44 consensus represents the middle ground. Our model's $31-$65 range provides an independent fundamental perspective.
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