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

Company Overview

Orange County Bancorp, Inc. is a bank holding company headquartered in Middletown, New York. Its principal subsidiary, Orange Bank & Trust Company, provides commercial and community banking services to businesses, professionals, municipalities and individuals.

Orange Bank & Trust offers deposit accounts, commercial and residential real estate lending, business loans, lines of credit, consumer loans and treasury management services. The bank also provides wealth management and investment advisory services through its affiliated Hudson Valley Investment Advisors, Inc.

Founded in 1892, Orange Bank & Trust serves customers across New York’s Hudson Valley, including Orange, Rockland, Westchester, Dutchess and Ulster counties, as well as surrounding areas. The company emphasizes relationship-based banking and locally focused financial services for businesses and individuals.

Key Stats

• Today's Range: $36.73 to $37.54
• 50-Day Range: $36.95 to $39.19
• 52-Week Range: $23.25 to $40.10
• Volume: 86,507 shs
• Average Volume: 61,120 shs
• Market Capitalization: $495.23 million
• P/E Ratio: 10.40
• Dividend Yield: 1.95%
• Price Target: $43.25
• Consensus Rating: Strong Buy

Orange County Bancorp Stock Analysis - MarketRank™

Orange County Bancorp scored higher than 89% of companies evaluated by MarketBeat, and ranked 251st out of 836 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: 3.9 / 5
• Analyst Rating: Strong Buy

Consensus Rating

Orange County Bancorp has received a consensus rating of Strong Buy. The company's average rating score is 3.50, and is based on 2 strong buy ratings, 2 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Orange County Bancorp has a consensus price target of $43.25, representing about 16.6% upside from its current price of $37.08.

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: 3.40%

Earnings Growth

Earnings for Orange County Bancorp are expected to grow by 3.40% in the coming year, from $3.53 to $3.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Orange County Bancorp is 10.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orange County Bancorp is 10.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.72.

Price to Book Value per Share Ratio

Orange County Bancorp has a P/B Ratio of 1.74. 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

1.35% 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 3.8, 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 2.29%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Orange County Bancorp pays a meaningful dividend of 1.94%, 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 19.73% next year. This indicates that Orange County Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.9 / 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 higher news sentiment than the 0.56 average news sentiment score 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: 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: 10/09/2026
• 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: +17.1%
• Consensus Rating: Strong Buy
• Rating Score (0-4): 3.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.55
• Trailing P/E Ratio: 10.40
• Forward P/E Ratio: 10.46
• 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: 3.13
• Cash Flow: $3.31 per share
• Price / Cash Flow: 11.16
• Book Value: $21.27 per share
• Price / Book: 1.74

Miscellaneous

• Outstanding Shares: 13,410,000
• Free Float: 12,309,000
• Market Cap: $495.23 million
• Optionable: Not Optionable
• Beta: 0.42