Orange County Bancorp, Inc. (OBT)
Valuation Overview•Is Orange County Bancorp, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
High-quality fundamentals with a strong composite quality score of 76/100, backed by robust profitability and solvency.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral with steady expected earnings growth. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
OBT exhibits elite business quality, driven by exceptional capital efficiency and highly lucrative margins. This is backed by a fortress balance sheet, holding significant net cash ($170M) and minimal debt risk.
The company maintains stable top-line performance paired with robust earnings compounding (15.3% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 32.4% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $34.4M | +10.5% | — | — | +16.7% | |
| EBITDA | $10.5M | — | +18.4% | — | — | |
| Net Income | $11.3M | +49.2% | +19.5% | — | — | |
| EPS (Diluted) | $0.85 | +34.8% | +15.3% | +20.7% | — | |
| Free Cash Flow | $9.7M | +25.7% | +12.6% | +31.2% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 76.5% | 72.3% | 78.4% | 82.7% |
| Operating Margin | 32.4% | 28.4% | 30.4% | 24.5% |
| Net Margin | 28.3% | 22.8% | 24.3% | 19.1% |
| FCF Margin | 29.9% | 26.8% | 26.9% | 23.3% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.78 | $0.85 | +9.0% | ||
| Q1'26 | — | $0.93 | — | ||
| Q1'26 | $0.75 | $0.93 | +24.0% | ||
| Q4'25 | — | $0.75 | — | ||
| Q4'25 | $0.68 | $0.75 | +10.3% | ||
| Q3'25 | $0.76 | $0.87 | +14.5% | ||
| Q2'25 | $0.67 | $0.77 | +14.9% | ||
| Q1'25 | $0.74 | $0.63 | -14.0% |
Total return is +46.0% (1Y), outperforming the benchmark by +25.2%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +30.7% | +23.4% | — |
| 1Y | +46.0% | +25.2% | +2.6% |
| 3YCAGR | +30.0% | +11.8% | +9.3% |
| 5YCAGR | +18.5% | +6.9% | +14.8% |
| 10YCAGR | +13.4% | -0.3% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Orange County Bancorp, Inc. (OBT) valuation, health, and returns.
Based on peer relative multiples, Orange County Bancorp, Inc. appears Slightly cheap versus peers compared to industry peers.
Orange County Bancorp, Inc. has multiple valuation anchors: Peer Relative Fair Value: $42.64 | Wall Street Analyst Target: $36.00 (implying -2.6% upside). A convergence of these signals offers higher conviction.
Orange County Bancorp, Inc. displays good financial health with a composite quality score of 76/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 11.9%.
Orange County Bancorp, Inc. pays a 1.5% dividend yield, covered by a 17% payout ratio with 4 years of growth, supplemented by a 0.0% buyback yield.
Orange County Bancorp, Inc.'s current growth trajectory is Decelerating. The company achieved +10.5% 1Y revenue growth and +34.8% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 2 analysts, beating EPS expectations in 75% of recent quarters with a 5-quarter streak. The consensus price target represents a -2.6% change from current levels.
Investment risks for Orange County Bancorp, Inc. include: -18.0% 1-year max drawdown. Volatility risk is characterized by a beta of 0.60x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.