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: $26.05 to $26.56
• 50-Day Range: $23.46 to $28.58
• 52-Week Range: $20.97 to $33.06
• Volume: 20,365 shs
• Average Volume: 29,529 shs
• Market Capitalization: $348.03 million
• P/E Ratio: 10.20
• Dividend Yield: 2.00%
• Price Target: $29.25
• Consensus Rating: Buy

Orange County Bancorp Stock Analysis - MarketRank™

Orange County Bancorp scored higher than 74% of companies evaluated by MarketBeat, and ranked 421st out of 959 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: 2.7 / 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 2 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Orange County Bancorp has a consensus price target of $29.25, representing about 12.3% upside from its current price of $26.05.

Amount of Analyst Coverage

Orange County Bancorp has only been the subject of 1 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 10.43, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.46.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orange County Bancorp is 10.43, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.60.

Price to Book Value per Share Ratio

Orange County Bancorp has a P/B Ratio of 1.59. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.98% 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 1.5, 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 4.17%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Orange County Bancorp pays a meaningful dividend of 1.95%, 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

0.98% 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 1.5, 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 4.17%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.07

News Sentiment

Orange County Bancorp has a news sentiment score of 1.07. 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 6 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 6.2% and is now trading at $26.05.

How were Orange County Bancorp's earnings last quarter?

Orange County Bancorp, Inc. (NASDAQ:OBT) released its quarterly earnings results on Wednesday, July, 30th. The company reported $0.87 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.76 by $0.11. The company earned $32.46 million during the quarter, compared to the consensus estimate 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?

Orange County Bancorp shares split on the morning of Monday, January 13th 2025.The 2-1 split was announced on Thursday, January 2nd 2025. The newly minted shares were distributed 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 a price of $32.00-$35.00 per share.

Who are Orange County Bancorp's major shareholders?

Orange County Bancorp's top institutional shareholders include Hudson Valley Investment Advisors Inc. ADV (8.87%), The Manufacturers Life Insurance Company (2.39%), Fourthstone LLC (1.80%) and Geode Capital Management LLC (1.68%). Insiders that own company stock include Michael J Gilfeather, Joseph A Ruhl, Jon Schiller, Gregory Sousa, Michael Listner, Michael J Coulter and Stephen Rooney.
View institutional ownership trends.

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

• Record date for 6/16 Dividend: 6/04/2025
• Ex-Dividend for 6/16 Dividend: 6/04/2025
• Dividend Payable: 6/16/2025
• Last Earnings: 7/30/2025
• Record date for 9/16 Dividend: 9/08/2025
• Ex-Dividend for 9/16 Dividend: 9/08/2025
• Today: 9/12/2025
• Dividend Payable: 9/16/2025
• 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: +12.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.56
• Trailing P/E Ratio: 10.43
• Forward P/E Ratio: 9.20
• 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: $128.82 million
• Price / Sales: 2.70
• Cash Flow: $2.67 per share
• Price / Cash Flow: 9.76
• Book Value: $16.35 per share
• Price / Book: 1.59

Miscellaneous

• Outstanding Shares: 13,360,000
• Free Float: 12,120,000
• Market Cap: $348.03 million
• Optionable: Not Optionable
• Beta: 0.47