Orange County Bancorp, Inc. (OBT)

NASDAQ: OBT · USD

$38.1

-0.40 (-1.0%)· Recorded snapshot

Market cap	510.2M
Revenue (ttm)	122.7M
Net income (ttm)	47.4M
EPS (ttm)	$3.55
Shares out	13.4M
P/E (trailing)	10.7x
P/E (forward)	11.1x
Dividend	$0.72 (1.89%)
Volume	34,047
Beta	0.43

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 122.7M
Net income (ttm): 47.4M
EPS (ttm): $3.55
P/E (trailing): 10.7x
P/E (forward): 11.1x
Market cap: 510.2M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E11.1

P25 n/aP50 n/aP75 n/a

Trailing P/E10.7

P25 n/aP50 n/aP75 n/a

ROE16.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All OBT indicators

Market & fundamental data

Available fields

245

Groups with data

Currency

USD

Showing 245 of 245 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001754226
Company name	Orange County Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	68417L107
Earnings date	2026-11-10
Earnings time	amc
Employees	235
Employees change	10
Employees growth	4.44%
Enterprise value	$209.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1892
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US68417L1070
Last 10-K release date	2026-03-16
Last earnings date	2026-07-28
Last refreshed	2026-10-28
Last stock split date	2025-01-13
Last stock split type	Forward
Market cap	$510.2M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	No
Price	$38.05
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	OBT
U.S. state	New York
Website	https://www.orangebanktrust.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	15.16x
Average P/E ratio (3Y)	9.88x
Average P/E ratio (5Y)	10.05x
Earnings yield	9.32%
EV/Earnings	4.44x
EV/FCF	3.26x
EV/Sales	1.72x
FCF / EV yield	30.72%
FCF yield	12.66%
Forward EV/Sales	1.54x
Forward P/E	11.06x
Forward P/S	3.74x
Graham number	42.72381
Graham upside	12.14%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$83.11
Lynch upside	118.14%
P/B ratio	1.68x
P/E ratio	10.73x
P/FCF ratio	7.9x
P/OCF ratio	7.65x
P/S ratio	4.16x
Price / tangible book value	1.7x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	10.29%
FCF margin	52.72%
Operating margin	44.24%
Pretax margin	43.06%
Profit margin	38.63%
Profit per employee	$201,668
Profitable quarters	26
Profitable years	7
Revenue per employee	$522,017
ROA	1.75%
ROA (5Y)	1.24%
ROE	16.95%
ROE (5Y)	16.32%
SBC / revenue	1.12%
Tax / revenue	4.43%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	38.05%
EPS growth (Q)	17.04%
EPS growth (QoQ)	20.78%
EPS growth 10Y	29.63%
EPS growth 3Y	10.93%
EPS growth 5Y	14.03%
EPS growth quarters	5
EPS growth years	1
FCF growth	217.55%
FCF growth (QoQ)	27.59%
FCF growth 3Y	24.46%
FCF growth 5Y	35.14%
Net income growth	60.41%
Net income growth (Q)	30.57%
Net income growth (QoQ)	21.05%
Net income growth 3Y	17.47%
Net income growth 5Y	23.43%
Net income growth quarters	5
Net income growth years	1
OCF growth	190.79%
OCF growth (QoQ)	23.01%
OCF growth 3Y	21.09%
OCF growth 5Y	34.27%
Revenue growth	16.27%
Revenue growth (Q)	-4.99%
Revenue growth (QoQ)	-11.33%
Revenue growth 10Y	16.02%
Revenue growth 3Y	10.55%
Revenue growth 5Y	14.63%
Revenue growth years	6

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-2.1M
EPS	$3.55
FCF per share	$4.82
Financing cash flow	$128.8M
Free cash flow	$64.7M
Gross profit	$122.7M
Income taxes	$5.4M
Investing cash flow	$-36.2M
Net borrowing	$-16.4M
Net cash flow	$159.3M
Net income	$47.4M
Operating income	$54.3M
Revenue	$122.7M
Stock-based compensation	$1.4M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$22.87
Debt / equity	0.11
Debt / FCF	0.54
Goodwill	$5.4M
Net cash (debt)	$300.3M
Net cash / market cap	58.79%
Net cash growth	140.3%
Net debt / equity	-0.98
Net debt / FCF	-4.64
Piotroski F-Score	4
Property, plant and equipment	$15.5M
Shareholders' equity	$306.6M
Tangible book value	$300.9M
Tangible book value per share	$22.44
Total assets	$2.8B
Total cash	$334.9M
Total debt	$34.6M
Total liabilities	$2.5B
WACC	6.2%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-16.2%
Dividend growth	39.81%
Dividend growth (10Y)	8.88%
Dividend growth (3Y)	16.11%
Dividend growth (5Y)	12.47%
Dividend growth years	4
Dividend payment date	2026-09-15
Dividend payment years	19
Dividend payout frequency	Quarterly
Dividend per share	$0.72
Dividend yield	1.89%
Ex-dividend date	2026-09-04
FCF payout ratio	14.93%
Last dividend	$0.18
Payout ratio	20.3%
Shareholder yield	-14.31%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	230.15%
10Y return CAGR	15.57%
10Y total return	325.09%
150-day SMA	$36.42
15Y price change	278.61%
15Y return CAGR	12.42%
15Y total return	479.02%
1D price change	-1.04%
1M price change	0.61%
1M total return	0.61%
1W price change	1.96%
1W total return	1.96%
1Y price change	55.37%
1Y return CAGR	58.9%
1Y total return	58.85%
20-day SMA	$37.45
200-day SMA	$35.36
20Y price change	204.4%
20Y return CAGR	8.68%
20Y total return	428.05%
3M price change	0.98%
3M total return	1.46%
3Y price change	79.48%
3Y return CAGR	23.99%
3Y total return	90.64%
50-day SMA	$37.74
50-day SMA vs 200-day SMA	50over200
52-week high	$40.10
52-week high date	2026-06-22
52-week low	$23.25
52-week low date	2025-10-29
5Y price change	93.89%
5Y return CAGR	16.55%
5Y total return	114.99%
6M price change	7.52%
6M total return	8.61%
All-time high	$40.10
All-time high date	2026-06-22
All-time low	$3.75
All-time low date	1999-02-25
Average true range (ATR)	$0.94
Average volume	64.5K
Beta (1Y)	0.27
Beta (2Y)	0.72
Beta (5Y)	0.43
Change from 52-week high	-5.11%
Change from 52-week low	63.69%
Change from all-time high	-5.11%
Change from all-time low	914.67%
Change from open	0.93%
Day's gap	-1.95%
Dollar volume	$1.3M
High price	$38.05
Low price	$37.70
Monthly RSI	68.12
Open price	$37.70
Position in 52-week range	100%
Previous close	$38.45
Price vs 150-day SMA	4.48%
Price vs 20-day SMA	1.61%
Price vs 200-day SMA	7.6%
Price vs 50-day SMA	0.81%
Relative volume	0.53
RSI	54.44
Sharpe ratio	1.79
Sharpe ratio (3Y)	0.68
Sharpe ratio (5Y)	0.55
Sortino ratio	3
Sortino ratio (3Y)	1.14
Sortino ratio (5Y)	0.95
Volume	34K
Weekly RSI	59.28
YTD price change	33.28%
YTD total return	35.37%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	11.4M
Float percentage	84.79%
Shares change (QoQ)	0.22%
Shares change (YoY)	16.2%
Shares held by insiders	7.27%
Shares held by institutions	54.65%
Shares outstanding	13.4M
Short % of float	1.16%
Short % of shares	0.99%
Short ratio	2.3 days

Deeper analysis on OBT

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this OBT report

Is a complete OBT research report available?

No complete published report is available for Orange County Bancorp, Inc. (OBT) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Orange County Bancorp, Inc. (OBT)

Price

Financial snapshot

Fair-value bridge

Latest news · OBT

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All OBT indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on OBT

Frequently asked questions