About OBT Dividend Returns
Orange County Bancorp, Inc. (OBT) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.
How We Calculate Total Return
Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.
Frequently Asked Questions
Q1What is the total return of OBT over the past year?
Orange County Bancorp, Inc. (OBT) delivered a total return of 46.02% over the past year when dividends are reinvested. The price-only return was 43.40%, meaning dividends contributed an additional 2.62 percentage points to total returns.
Q2How much would $10,000 invested in OBT be worth today?
A $10,000 investment in Orange County Bancorp, Inc. one year ago would be worth $14,602 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $14,340. Dividend reinvestment added $262 to the portfolio value.
Q3Does OBT pay dividends?
Yes, Orange County Bancorp, Inc. (OBT) pays dividends. In the last year, OBT paid approximately $0.57 per share in dividends (1.54% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.
Q4Did OBT beat the S&P 500?
Yes, Orange County Bancorp, Inc. (OBT) outperformed the S&P 500 by 25.18 percentage points over the past year. OBT delivered a total return of 46.02%, compared to the S&P 500's 20.84%. This 25.18pp alpha means investors in OBT earned more than a passive S&P 500 index fund.
Q5What is OBT's worst drawdown?
Orange County Bancorp, Inc. (OBT) experienced a maximum drawdown of -17.98% over the past year, declining from its peak on 2025-07-17 to its trough on 2025-10-29. The stock recovered to its prior peak by 2025-12-10. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.
Q6What is OBT's long-term total return over 10, 20, or 30 years?
Here are Orange County Bancorp, Inc. (OBT)'s long-term returns with dividends reinvested. Over 10 years, the total return is 253.0% (13.4% CAGR) — $10,000 would have grown to $35,304. Over 20 years: 235.1% total return (6.2% CAGR) — $10,000 → $33,506. Over 30 years: 909.0% total return (8.0% CAGR) — $10,000 → $100,897. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.
Q7What was OBT's best and worst year?
Orange County Bancorp, Inc.'s best calendar year was 2021 with a total return of 50.4%. Its worst year was 2008 with a total return of -14.0%. This range shows the volatility investors should expect — the difference between the best and worst year is 64.4 percentage points.
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