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: $37.86 to $38.94
• 50-Day Range: $33.42 to $38.88
• 52-Week Range: $22.98 to $40.10
• Volume: 57,643 shs
• Average Volume: 60,227 shs
• Market Capitalization: $520.31 million
• P/E Ratio: 10.78
• Dividend Yield: 1.86%
• Price Target: $39.25
• Consensus Rating: Moderate Buy

Orange County Bancorp Stock Analysis - MarketRank™

Orange County Bancorp scored higher than 44% of companies evaluated by MarketBeat, and ranked 633rd out of 849 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: 1.9 / 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 2.75, and is based on no strong buy ratings, 3 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Orange County Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Orange County Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Orange County Bancorp is 10.93, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orange County Bancorp is 10.93, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.89.

Price to Book Value per Share Ratio

Orange County Bancorp has a P/B Ratio of 1.82. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.06% 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 2.1, 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 increased by 20.97%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Orange County Bancorp pays a meaningful dividend of 1.88%, 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%.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.67

News Sentiment

Orange County Bancorp has a news sentiment score of 0.67. 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 is a lower news sentiment than the 0.79 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Orange County Bancorp this week, compared to 1 article on an average week.

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 $118,071.00 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

• Record date for 6/15 Dividend: 6/04/2026
• Ex-Dividend for 6/15 Dividend: 6/04/2026
• Dividend Payable: 6/15/2026
• Last Earnings: 7/29/2026
• Today: 8/04/2026
• 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: 210
• Year Founded: 1892

Price Target and Rating

• Average Price Target for Orange County Bancorp: $39.25
• High Price Target: $42.50
• Low Price Target: $36.00
• Potential Upside/Downside: +1.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.55
• Trailing P/E Ratio: 10.93
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $41.61 million
• Net Margins: 30.80%
• Pretax Margin: 34.19%
• Return on Equity: 16.80%
• Return on Assets: 1.78%

Debt

• Debt-to-Equity Ratio: 0.12
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $158.13 million
• Price / Sales: 3.29
• Cash Flow: $3.37 per share
• Price / Cash Flow: 11.51
• Book Value: $21.27 per share
• Price / Book: 1.82

Miscellaneous

• Outstanding Shares: 13,410,000
• Free Float: 12,309,000
• Market Cap: $520.31 million
• Optionable: Not Optionable
• Beta: 0.41