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

Company Overview

Orange County Bancorp, Inc. (NASDAQ: OBT) is the bank holding company for Orange County Trust Bank, a community banking franchise headquartered in Goshen, New York. The company provides a full suite of financial services to individuals, small businesses and local organizations across Orange County and the surrounding Hudson Valley region.

Orange County Bancorp offers depository products that include checking and savings accounts, money market funds and certificates of deposit. On the lending side, the company extends commercial real estate and business loans, residential mortgage loans, consumer installment loans and home equity financing. Additional services cover digital banking, online and mobile platforms, electronic funds transfers and treasury management solutions tailored to middle-market and community clients.

Founded in 2008 to address the banking needs of local communities, Orange County Bancorp established its holding company structure in the early 2010s to support strategic growth and enhance financial flexibility. With a localized decision-making framework, the company emphasizes personalized service, relationship banking and community reinvestment initiatives. Leadership is guided by a board of directors and senior management team with strong ties to the region’s economic development and financial services sectors.

Key Stats

• Today's Range: $23.43 to $24.49
• 50-Day Range: $23.46 to $26.95
• 52-Week Range: $20.97 to $33.06
• Volume: 33,108 shs
• Average Volume: 46,997 shs
• Market Capitalization: $314.03 million
• P/E Ratio: 9.20
• Dividend Yield: 2.21%
• Price Target: $29.25
• Consensus Rating: Moderate Buy

Orange County Bancorp Stock Analysis - MarketRank™

Orange County Bancorp scored higher than 87% of companies evaluated by MarketBeat, and ranked 220th out of 947 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: 3.8 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Orange County Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Orange County Bancorp has a consensus price target of $29.25, representing about 24.5% upside from its current price of $23.50.

Amount of Analyst Coverage

Orange County Bancorp has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 15.55%

Earnings Growth

Earnings for Orange County Bancorp are expected to grow by 15.55% in the coming year, from $2.83 to $3.27 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Orange County Bancorp is 9.20, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 231.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orange County Bancorp is 9.20, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.76.

Price to Book Value per Share Ratio

Orange County Bancorp has a P/B Ratio of 1.44. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.88% 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 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orange County Bancorp has recently decreased by 10.62%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Orange County Bancorp pays a meaningful dividend of 2.13%, 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 20.31%. 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 15.90% next year. This indicates that Orange County Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.88% 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 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orange County Bancorp has recently decreased by 10.62%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.83

News Sentiment

Orange County Bancorp has a news sentiment score of 0.83. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Orange County Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Orange County Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.30% 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.

OBT Stock Analysis - Frequently Asked Questions

How have OBT shares performed this year?

Orange County Bancorp's stock was trading at $27.7850 at the start of the year. Since then, OBT shares have decreased by 15.4% and is now trading at $23.50.

How were Orange County Bancorp's earnings last quarter?

Orange County Bancorp, Inc. (NASDAQ:OBT) issued its quarterly earnings data on Wednesday, July, 30th. The company reported $0.87 EPS for the quarter, beating the consensus estimate of $0.76 by $0.11. The company had revenue of $32.46 million for the quarter, compared to analysts' expectations of $29 million. Orange County Bancorp had a net margin of 19.84% and a trailing twelve-month return on equity of 14.19%.

When did Orange County Bancorp's stock split?

Shares of Orange County Bancorp split on the morning of Monday, January 13th 2025.The 2-1 split was announced on Thursday, January 2nd 2025. The newly issued shares were payable to shareholders after the market closes on Sunday, January 12th 2025. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

When did Orange County Bancorp IPO?

Orange County Bancorp (OBT) raised $30 million in an initial public offering (IPO) on Thursday, August 5th 2021. The company issued 900,000 shares at $32.00-$35.00 per share.

How do I buy shares of Orange County Bancorp?

Shares of OBT stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Orange County Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Orange County Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Arista Networks (ANET), ServiceNow (NOW) and Advanced Micro Devices (AMD).

Company Calendar

• Last Earnings: 7/30/2025
• Record date for 9/16 Dividend: 9/08/2025
• Ex-Dividend for 9/16 Dividend: 9/08/2025
• Dividend Payable: 9/16/2025
• Today: 10/12/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OBT
• CIK: 1754226
• Web: orangebanktrust.com
• Phone: (845) 341-5000
• Fax: N/A
• Employees: 210
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Orange County Bancorp: $29.25
• High Price Target: $29.50
• Low Price Target: $29.00
• Potential Upside/Downside: +24.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.56
• Trailing P/E Ratio: 9.20
• Forward P/E Ratio: 8.30
• P/E Growth: N/A
• Net Income: $27.88 million
• Net Margins: 19.84%
• Pretax Margin: 25.42%
• Return on Equity: 14.19%
• Return on Assets: 1.16%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $112.97 million
• Price / Sales: 2.78
• Cash Flow: $2.73 per share
• Price / Cash Flow: 8.61
• Book Value: $16.35 per share
• Price / Book: 1.44

Miscellaneous

• Outstanding Shares: 13,363,000
• Free Float: 12,120,000
• Market Cap: $314.03 million
• Optionable: Not Optionable
• Beta: 0.45