Orange County Bancorp (OBT) Stock Price, News & Analysis

Company Overview

Orange County Bancorp, Inc. is a bank holding company headquartered in Middletown, New York. Through its principal subsidiary, Orange Bank & Trust Company, it provides banking and financial services to businesses, individuals, professionals and nonprofit organizations.

Orange Bank & Trust offers commercial and residential lending, business banking, deposit accounts, cash-management services, online banking and other treasury-management solutions. Its lending activities include commercial real estate, construction, commercial and industrial, residential mortgage and consumer loans.

The company also provides wealth-management and investment-advisory services through Hudson Valley Investment Advisors, Inc. Orange Bank & Trust traces its roots to the formation of Orange County Trust Company in 1892 and serves communities in New York’s Hudson Valley and the broader New York metropolitan region, including Orange, Rockland, Westchester, Dutchess and Ulster counties. Michael Gilfeather serves as president and chief executive officer of Orange County Bancorp and Orange Bank & Trust Company.

Key Stats

• Today's Range: $37.20 to $38.24
• 50-Day Range: $37.19 to $39.19
• 52-Week Range: $23.25 to $40.10
• Volume: 68,071 shs
• Average Volume: 61,189 shs
• Market Capitalization: $502.07 million
• P/E Ratio: 10.55
• Dividend Yield: 1.92%
• Price Target: $43.25
• Consensus Rating: Buy

Orange County Bancorp Stock Analysis - MarketRank™

Orange County Bancorp scored higher than 70% of companies evaluated by MarketBeat, and ranked 409th out of 837 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Orange County Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 strong buy rating, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Orange County Bancorp has a consensus price target of $43.25, representing about 15.5% upside from its current price of $37.44.

Amount of Analyst Coverage

Orange County Bancorp has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.71%

Earnings Growth

Earnings for Orange County Bancorp are expected to grow by 5.71% in the coming year, from $3.50 to $3.70 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Orange County Bancorp is 10.55, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.13.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orange County Bancorp is 10.55, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.33.

Price to Book Value per Share Ratio

Orange County Bancorp has a P/B Ratio of 1.76. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.32% of the float of Orange County Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Orange County Bancorp has a short interest ratio ("days to cover") of 4.

Change versus previous month

Short interest in Orange County Bancorp has recently increased by 2.95%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Orange County Bancorp pays a meaningful dividend of 1.87%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Orange County Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Orange County Bancorp is 20.28%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Orange County Bancorp will have a dividend payout ratio of 19.46% next year. This indicates that Orange County Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

MarketBeat Follows

1 people have added Orange County Bancorp to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Orange County Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $176,136.00 in company stock.

Percentage Held by Insiders

8.20% of the stock of Orange County Bancorp is held by insiders.

Percentage Held by Institutions

42.55% of the stock of Orange County Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/28/2026
• Record date for 9/15 Dividend: 9/04/2026
• Ex-Dividend for 9/15 Dividend: 9/04/2026
• Dividend Payable: 9/15/2026
• Today: 9/22/2026
• Next Earnings (Estimated): 10/28/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:OBT
• CIK: 1754226
• Web: orangebanktrust.com
• Phone: (845) 341-5000
• Fax: N/A
• Employees: 235
• Year Founded: 1892

Price Target and Rating

• Average Price Target for Orange County Bancorp: $43.25
• High Price Target: $44.00
• Low Price Target: $42.50
• Potential Upside/Downside: +15.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.55
• Trailing P/E Ratio: 10.55
• Forward P/E Ratio: 10.70
• P/E Growth: N/A
• Net Income: $41.61 million
• Net Margins: 30.80%
• Pretax Margin: 34.33%
• Return on Equity: 16.44%
• Return on Assets: 1.75%

Debt

• Debt-to-Equity Ratio: 0.11
• Current Ratio: 0.93
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $158.13 million
• Price / Sales: 3.18
• Cash Flow: $3.23 per share
• Price / Cash Flow: 11.59
• Book Value: $21.27 per share
• Price / Book: 1.76

Miscellaneous

• Outstanding Shares: 13,410,000
• Free Float: 12,309,000
• Market Cap: $502.07 million
• Optionable: Not Optionable
• Beta: 0.41