Orange County Bancorp, Inc. OBT R2K
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 17.9%, reflecting efficient use of shareholder capital.
Net profit has compounded at 28.9% per year over the last five years.
Trades at a P/E of 10.8, below the sector median of 13.3.
Maintains a net profit margin of 35.6%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +17.0%, earnings +10.0%.
- 5-Year Trend Long-term compounding — profit CAGR 28.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 17.00% |
Compounded Profit Growth
| 5 Years: | 28.93% |
| 1 Year: | 10.00% |
Stock Price Performance
| 1 Year: | +35.51% |
| 6 Months: | +28.97% |
| 3 Months: | +6.61% |
| 1 Month: | +2.61% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.73 · Neutral
P/E of 10.83 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 35.6%.
- Profit CAGR of 28.9% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 36.92 | 10.83 | $495.02M | 1.82% | - | 17.93% | - | 28.93% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 3.22M | 8.70M | 10.46M | 10.02M | 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 | 0.28 | 0.77 | 0.87 | 0.75 | 0.85 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Net Income | 11.68M | 21.29M | 24.36M | 29.48M | 27.88M | 41.61M |
| Diluted EPS | 2.59 | 4.28 | 4.33 | 2.62 | 2.47 | 3.33 |
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 | 2.14B | 2.29B | 2.49B | 2.51B | 2.66B |
| Total Equity | 122.06M | 135.42M | 182.84M | 138.14M | 165.38M | 185.53M | 284.36M |
| Total Liabilities | - | 1.53B | 1.96B | 2.15B | 2.32B | 2.32B | 2.38B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 11.34M | 20.32M | 30.48M | 44.50M | 34.60M | 43.85M |
| Investing Cash Flow | -330.96M | -291.31M | -434.11M | -144.92M | -29.42M | -74.15M |
| Financing Cash Flow | 415.74M | 455.93M | 183.53M | 161.72M | -2.23M | 84.20M |
| Capital Expenditure | -692.00K | -1.96M | -1.54M | -3.54M | -1.73M | -2.52M |
| Free Cash Flow | 10.65M | 18.36M | 28.94M | 40.96M | 32.87M | 41.33M |
| 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 % | - | - | - | - | - | - |
| ROE % | 8.6% | 11.6% | 17.6% | 17.8% | 15.0% | 14.6% |
| ROCE % | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 42.16% | 1.89M | $71.13M |
| 2 | Orange Investment Advisors, Inc. | 23.65% | 1.06M | $39.90M |
| 3 | Wellington Management Group, LLP | 11.08% | 497.42K | $18.70M |
| 4 | Vanguard Capital Management LLC | 10.29% | 461.70K | $17.36M |
| 5 | Manufacturers Life Insurance Co. | 6.89% | 309.31K | $11.63M |
| 6 | Geode Capital Management, LLC | 5.80% | 260.47K | $9.79M |
| 7 | American Century Companies Inc | 5.24% | 235.28K | $8.84M |
| 8 | Alliancebernstein L.P. | 4.88% | 219.20K | $8.24M |
| 9 | BANC FUNDS CO LLC | 4.40% | 197.54K | $7.43M |
| 10 | State Street Corporation | 4.17% | 187.15K | $7.03M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for OBT
Director at Orange County Bancorp (OBT) receives new phantom stock award - Stock Titan
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How Orange County Bancorp Inc (OBT) Affects Rotational Strategy Timing - Stock Traders Daily
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Orange County Bancorp (OBT) Gains 1.57% as Stock Edges Closer to Key Resistance - Volume Profile - DonanımHaber
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Orange County Bancorp (OBT) director updates holdings with new phantom stock grant - Stock Titan
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Form 4 Orange County Bancorp Inc For: 6 July By Investing.com - Investing.com Nigeria
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OBT — Frequently Asked Questions
What is the current share price of Orange County Bancorp, Inc. (OBT)?
As of 2026-07-14 21:23 PDT, Orange County Bancorp, Inc. (OBT) trades at $36.92 on NasdaqCM. Its 52-week range is $22.94 to $37.68.
What is the market capitalisation of OBT?
Orange County Bancorp, Inc. (OBT) has a market capitalisation of $495.02M on NasdaqCM.
What is the P/E ratio of OBT?
OBT trades at a trailing price-to-earnings (P/E) ratio of 10.83. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.69.
Does OBT pay a dividend?
Orange County Bancorp, Inc. (OBT) currently offers a dividend yield of 1.82%.
What is the return on equity (ROE) of OBT?
OBT has a return on equity (ROE) of 17.93%.
Is OBT a good stock to buy?
This page provides a data-driven analysis of Orange County Bancorp, Inc. (OBT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.