Orange County Bancorp, Inc. OBT R2K

Financial Services · Banks - Regional · United States

https://www.orangebanktrust.com

Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

Market & Price

Market Cap

$457.48M

Current Price

$34.12

High / Low (52W)

$36.27 / $22.52

Beta

0.45

Valuation

Stock P/E

10.01

Industry PE

12.01

Forward P/E

8.90

PEG Ratio

Book Value

$21.75

Price to Book

1.57

P/S

3.68

EV/EBITDA

Dividend Yield

1.96%

Profitability & Returns

ROCE

ROE

17.93%

ROA

1.68%

Profit Margin

35.59%

Op Margin

46.11%

EPS (Latest Qtr)

$0.85

EPS (TTM)

$3.41

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$34.58M

Total Assets

$2.66B

Current Assets

Working Capital

Ownership

Promoter Holding

8.23%

Chg in Prom Hold

FII / Inst Holding

54.66%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$234.52M

Total Revenue (TTM)

$124.19M

EBITDA

Free Cash Flow

Operating Cash Flow

$49.24M

Shares Outstanding

13.41M

Gross Margin

0.00%

Payout Ratio

18.18%

Growth (CAGR)

Revenue 5Y

12.25%

Profit 5Y

19.54%

Revenue (YoY)

17.00%

Earnings (YoY)

10.00%

PROS

Excellent profit margin of 35.6%.
Compounding revenue at 12.3% over 5 years.
Profit CAGR of 19.5% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OBT Orange County Bancorp, Inc. R2K	34.12	10.01	$457.48M	1.96%	-	17.93%	12.25%	19.54%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.96M	32.43M	33.71M	33.01M	32.05M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.28M	8.08M	7.58M	6.98M	6.52M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.29M	13.59M	13.02M	13.66M	14.59M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.58M	3.13M	3.00M	1.23M	3.31M
Net Income	2.88M	2.91M	5.03M	5.19M	5.58M	5.33M	2.11M	7.85M	3.23M	9.09M	9.04M	9.29M	8.21M	-	-	8.70M	10.46M	10.02M	12.43M	11.28M
Diluted EPS	-	0.65	1.12	1.16	1.06	0.95	0.38	1.40	0.57	1.61	1.61	0.82	0.73	-	-	0.77	0.87	0.75	0.93	0.85

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	89.87M	101.69M	107.62M	127.11M
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-
Interest Expense	-	-	6.13M	29.38M	35.46M	30.93M
Pretax Income	-	-	30.28M	37.15M	34.82M	51.56M
Tax Provision	-	-	5.91M	7.67M	6.93M	9.94M
Net Income	11.68M	-	24.36M	29.48M	27.88M	41.61M
Diluted EPS	2.59	-	2.17	2.62	2.47	3.33

Compounded Sales Growth

5 Years:	12.25%
1 Year:	17.00%

Compounded Profit Growth

5 Years:	19.54%
1 Year:	10.00%

Stock Price Performance

1 Year:	+36.42%
6 Months:	+26.73%
3 Months:	+3.30%
1 Month:	+0.24%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	1.66B	-	2.29B	2.49B	2.51B	2.66B
Current Assets	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	86.08M	147.38M	150.33M	204.23M
Inventory	-	-	-	-	-	-	-
Receivables	-	-	-	6.32M	5.93M	6.68M	10.38M
Total Liabilities	-	1.53B	-	2.15B	2.32B	2.32B	2.38B
Current Liabilities	-	-	-	-	-	-	-
Long Term Debt	-	-	-	19.45M	29.52M	29.59M	34.55M
Total Debt	-	-	-	150.95M	254.02M	143.09M	34.55M
Total Equity	122.06M	135.42M	-	138.14M	165.38M	185.53M	284.36M
Shares Outstanding	-	-	-	11.37M	11.37M	11.37M	13.38M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	11.34M	-	30.48M	44.50M	34.60M	43.85M
Investing Cash Flow	-330.96M	-	-434.11M	-144.92M	-29.42M	-74.15M
Financing Cash Flow	415.74M	-	183.53M	161.72M	-2.23M	84.20M
Capital Expenditure	-692.00K	-	-1.54M	-3.54M	-1.73M	-2.52M
Free Cash Flow	10.65M	-	28.94M	40.96M	32.87M	41.33M
Net Change in Cash	-	-	-220.10M	61.30M	2.95M	53.90M
Dividends Paid	3.58M	4.03M	4.67M	5.19M	5.33M	7.10M

Ratios (Annual)

Figures in %.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-
Net Margin %	-	-	27.1%	29.0%	25.9%	32.7%
ROE %	8.6%	-	17.6%	17.8%	15.0%	14.6%
ROCE %	-	-	-	-	-	-

Shareholding Pattern

Insiders

8.23%

Institutions

54.66%

Public Float

59.56%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	42.16%	1.89M	$64.57M
2	Orange Investment Advisors, Inc.	23.65%	1.06M	$36.22M
3	Wellington Management Group, LLP	11.08%	497.42K	$16.97M
4	Vanguard Capital Management LLC	10.29%	461.70K	$15.75M
5	Manufacturers Life Insurance Co.	6.89%	309.31K	$10.55M
6	Geode Capital Management, LLC	5.80%	260.47K	$8.89M
7	American Century Companies Inc	5.24%	235.28K	$8.03M
8	Alliancebernstein L.P.	4.88%	219.20K	$7.48M
9	BANC FUNDS CO LLC	4.40%	197.54K	$6.74M
10	State Street Corporation	4.17%	187.15K	$6.39M

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