OBT
Orange County Bancorp, Inc.
Price Chart
Latest Quote
$36.57
+0.44 (+1.22%)
Current Price
| Previous Close | $36.13 |
| Open | $36.15 |
| Day High | $36.91 |
| Day Low | $36.15 |
| Volume | 4,916 |
Stock Information
| Quarterly Dividend / Yield | $0.67 / 1.85% |
| Shares Outstanding | 13.41M |
| Quarterly Dividend Yield | 1.85% |
| Quarterly Dividend | $0.67 |
| Total Debt | $34.58M |
| Cash Equivalents | $257.54M |
| Revenue | $124.19M |
| Net Income | $44.19M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $490.33M |
| P/E Ratio | 10.72 |
| EPS (TTM) | $3.41 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $261.47M |
| Sales | $124.19M |
| Income | $44.19M |
| Book/sh | $21.75 |
| Cash/sh | $19.21 |
| Employees | 235 |
Financial Ratios
| EPS Growth TTM | 29.60% |
Returns & Margins
| ROA | 1.68% |
| ROE | 17.93% |
| Operating Margin | 46.11% |
| Profit Margin | 35.59% |
Ownership
| Insider Ownership | 8.23% |
| Institutional Ownership | 54.70% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.54 |
| P/S | 3.95 |
| P/B | 1.68 |
Analyst Data
| Recommendation | none |
| Target Price | $39.00 |
Technical Indicators
| SMA20 | $35.08 |
| SMA50 | $34.62 |
| SMA200 | $30.01 |
| RSI | 62.44 |
| ATR | 1.4410 |
| Shares Float | 10.73M |
| Short Float | 0.77% |
| Short Ratio | 2.14 |
| Volatility | 0.43 |
| Rel Volume | 0.08 |
Performance History
| Week | +3.45% |
| Month | +8.17% |
| Quarter | +15.01% |
| 6 Months | +24.39% |
| YTD | +30.27% |
| Year | +56.80% |
| 3 Years | +136.38% |
| 5 Years | +140.55% |
| 10 Years | +303.66% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $36.57 | 4,916 |
| 2026-06-22 | $36.13 | 93,800 |
| 2026-06-18 | $37.23 | 222,300 |
| 2026-06-17 | $36.02 | 73,400 |
| 2026-06-16 | $35.46 | 71,300 |
| 2026-06-15 | $35.35 | 87,500 |
| 2026-06-12 | $36.73 | 57,700 |
| 2026-06-11 | $35.98 | 59,800 |
| 2026-06-10 | $35.82 | 82,400 |
| 2026-06-09 | $35.49 | 34,700 |
| 2026-06-08 | $34.68 | 31,300 |
| 2026-06-05 | $34.88 | 84,500 |
| 2026-06-04 | $34.06 | 96,600 |
| 2026-06-03 | $33.24 | 50,200 |
| 2026-06-02 | $34.17 | 34,000 |
| 2026-06-01 | $33.59 | 51,300 |
| 2026-05-29 | $33.94 | 41,600 |
| 2026-05-28 | $34.07 | 41,900 |
| 2026-05-27 | $33.89 | 30,400 |
| 2026-05-26 | $34.27 | 40,600 |
About Orange County Bancorp, Inc.
Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
đ° Latest News
Orange County Bancorp, Inc. (NASDAQ:OBT) Looks Interesting, And It's About To Pay A Dividend
Simply Wall St. âĸ 2026-05-31T14:16:32Z
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Simply Wall St. âĸ 2026-04-14T11:39:59Z
Orange County Bancorp, Inc. (OBT) Hits Fresh High: Is There Still Room to Run?
Zacks âĸ 2026-02-06T14:15:05Z
Orange County Bancorp, Inc. (OBT) Beats Q4 Earnings and Revenue Estimates
Zacks âĸ 2026-02-04T23:30:01Z
US Market's Undiscovered Gems to Explore February 2026
Simply Wall St. âĸ 2026-02-03T11:33:17Z
Meridian Bank (MRBK) Q4 Earnings and Revenues Surpass Estimates
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Discovering US Hidden Gems With Strong Market Potential
Simply Wall St. âĸ 2025-12-11T11:33:14Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $127,114,000 | $107,625,000 | $101,690,000 | $89,869,000 |
| Operating Revenue | $127,114,000 | $107,625,000 | $101,690,000 | $89,869,000 |
| Expenses | ||||
| Interest Expense | $30,926,000 | $35,461,000 | $29,379,000 | $6,135,000 |
| Selling And Marketing Expense | $1,973,000 | $1,575,000 | $1,657,000 | $1,601,000 |
| General And Administrative Expense | $40,581,000 | $38,774,000 | $35,040,000 | $30,608,000 |
| Professional Expense And Contract Services Expense | $6,191,000 | $5,931,000 | $4,753,000 | $4,066,000 |
| Other Non Interest Expense | $5,838,000 | $7,789,000 | $5,127,000 | $4,244,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Net Interest Income | $104,056,000 | $91,766,000 | $88,391,000 | $78,088,000 |
| Interest Income | $134,982,000 | $127,227,000 | $117,770,000 | $84,223,000 |
| Normalized Income | $40,616,301 | $27,883,000 | $29,478,000 | $24,363,000 |
| Net Income From Continuing And Discontinued Operation | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Net Income Common Stockholders | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Net Income | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Net Income Including Noncontrolling Interests | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Net Income Continuous Operations | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Pretax Income | $51,556,000 | $34,818,000 | $37,149,000 | $30,277,000 |
| Depreciation Amortization Depletion Income Statement | $286,000 | $286,000 | $285,000 | $286,000 |
| Depreciation And Amortization In Income Statement | $286,000 | $286,000 | $285,000 | $286,000 |
| Amortization Of Intangibles Income Statement | $286,000 | $286,000 | $285,000 | $286,000 |
| Per Share | ||||
| Diluted EPS | $3.33 | $2.47 | $2.62 | $2.17 |
| Basic EPS | $3.33 | $2.47 | $2.62 | $2.17 |
| Other | ||||
| Tax Effect Of Unusual Items | $238,301 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $1,236,000 | $0 | - | - |
| Total Unusual Items Excluding Goodwill | $1,236,000 | $0 | - | - |
| Reconciled Depreciation | $1,829,000 | $1,947,000 | $1,966,000 | $1,693,000 |
| Diluted Average Shares | $12,508,985 | $11,303,118 | $11,258,300 | $11,243,260 |
| Basic Average Shares | $12,508,985 | $11,303,118 | $11,258,300 | $11,243,260 |
| Diluted NI Availto Com Stockholders | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Tax Provision | $9,942,000 | $6,935,000 | $7,671,000 | $5,914,000 |
| Gain On Sale Of Security | $-568,000 | $0 | $107,000 | $0 |
| Amortization | $286,000 | $286,000 | $285,000 | $286,000 |
| Selling General And Administration | $42,554,000 | $40,349,000 | $36,697,000 | $32,209,000 |
| Insurance And Claims | $1,320,000 | $1,308,000 | $1,403,000 | $1,411,000 |
| Salaries And Wages | $39,261,000 | $37,466,000 | $33,637,000 | $29,197,000 |
| Occupancy And Equipment | $12,941,000 | $10,742,000 | $9,811,000 | $9,270,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $278,470,000 | $179,351,000 | $158,910,000 | $131,387,000 |
| Total Assets | $2,659,377,000 | $2,509,927,000 | $2,485,468,000 | $2,287,334,000 |
| Goodwill And Other Intangible Assets | $5,894,000 | $6,180,000 | $6,466,000 | $6,751,000 |
| Other Intangible Assets | $535,000 | $821,000 | $1,107,000 | $1,392,000 |
| Receivables | $10,383,000 | $6,680,000 | $5,934,000 | $6,320,000 |
| Accounts Receivable | $10,383,000 | $6,680,000 | $5,934,000 | $6,320,000 |
| Cash And Cash Equivalents | $204,232,000 | $150,334,000 | $147,383,000 | $86,081,000 |
| Cash Cash Equivalents And Federal Funds Sold | $210,149,000 | $160,050,000 | $161,908,000 | $95,643,000 |
| Cash Financial | - | - | - | $86,081,000 |
| Debt | ||||
| Total Debt | $34,555,000 | $143,091,000 | $254,020,000 | $150,947,000 |
| Long Term Debt And Capital Lease Obligation | $34,555,000 | $29,591,000 | $29,520,000 | $19,447,000 |
| Long Term Debt | $34,555,000 | $29,591,000 | $29,520,000 | $19,447,000 |
| Current Debt And Capital Lease Obligation | $0 | $113,500,000 | $224,500,000 | $131,500,000 |
| Current Debt | $0 | $113,500,000 | $224,500,000 | $131,500,000 |
| Other Current Borrowings | $0 | $113,500,000 | $224,500,000 | $131,500,000 |
| Net Debt | - | - | $106,637,000 | $64,866,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,375,013,000 | $2,324,396,000 | $2,320,092,000 | $2,149,196,000 |
| Payables And Accrued Expenses | - | - | - | $23,862,000 |
| Equity | ||||
| Common Stock Equity | $284,364,000 | $185,531,000 | $165,376,000 | $138,138,000 |
| Total Equity Gross Minority Interest | $284,364,000 | $185,531,000 | $165,376,000 | $138,138,000 |
| Stockholders Equity | $284,364,000 | $185,531,000 | $165,376,000 | $138,138,000 |
| Gains Losses Not Affecting Retained Earnings | $-47,807,000 | $-67,751,000 | $-64,108,000 | $-68,196,000 |
| Other Equity Adjustments | $-47,807,000 | $-67,751,000 | $-64,108,000 | $-68,196,000 |
| Retained Earnings | $164,434,000 | $129,919,000 | $107,361,000 | $84,635,000 |
| Other | ||||
| Treasury Shares Number | $8,017 | $16,450 | $63,986 | $81,366 |
| Ordinary Shares Number | $13,368,447 | $11,350,158 | $11,302,622 | $11,285,242 |
| Share Issued | $13,376,464 | $11,366,608 | $11,366,608 | $11,366,608 |
| Tangible Book Value | $278,470,000 | $179,351,000 | $158,910,000 | $131,387,000 |
| Invested Capital | $318,919,000 | $328,622,000 | $419,396,000 | $289,085,000 |
| Total Capitalization | $318,919,000 | $215,122,000 | $194,896,000 | $157,585,000 |
| Treasury Stock | $199,000 | $375,000 | $1,111,000 | $1,250,000 |
| Additional Paid In Capital | $164,592,000 | $120,896,000 | $120,392,000 | $120,107,000 |
| Capital Stock | $3,344,000 | $2,842,000 | $2,842,000 | $2,842,000 |
| Common Stock | $3,344,000 | $2,842,000 | $2,842,000 | $2,842,000 |
| Investments And Advances | $158,340,000 | $144,268,000 | $489,948,000 | $533,461,000 |
| Goodwill | $5,359,000 | $5,359,000 | $5,359,000 | $5,359,000 |
| Net PPE | $15,482,000 | $15,808,000 | $16,160,000 | $14,739,000 |
| Accumulated Depreciation | $-18,521,000 | $-17,971,000 | $-17,710,000 | $-16,464,000 |
| Gross PPE | $34,003,000 | $33,779,000 | $33,870,000 | $31,203,000 |
| Leases | $10,419,000 | $8,902,000 | $8,119,000 | $6,874,000 |
| Machinery Furniture Equipment | $8,787,000 | $8,332,000 | $7,896,000 | $7,436,000 |
| Buildings And Improvements | $10,778,000 | $11,905,000 | $13,194,000 | $13,741,000 |
| Land And Improvements | $4,019,000 | $4,640,000 | $4,661,000 | $3,152,000 |
| Other Short Term Investments | $158,340,000 | $144,268,000 | $489,948,000 | $533,461,000 |
| Current Accrued Expenses | - | - | - | $23,862,000 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $41,333,000 | $32,873,000 | $40,964,000 | $28,938,000 |
| Operating Activities | ||||
| Operating Cash Flow | $43,849,000 | $34,603,000 | $44,500,000 | $30,483,000 |
| Cash Flow From Continuing Operating Activities | $43,849,000 | $34,603,000 | $44,500,000 | $30,483,000 |
| Operating Gains Losses | $-668,000 | - | $-107,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-2,516,000 | $-1,730,000 | $-3,536,000 | $-1,545,000 |
| Investing Cash Flow | $-74,152,000 | $-29,419,000 | $-144,922,000 | $-434,107,000 |
| Cash Flow From Continuing Investing Activities | $-74,152,000 | $-29,419,000 | $-144,922,000 | $-434,107,000 |
| Net Other Investing Changes | $17,285,000 | $4,809,000 | $-4,963,000 | $-7,346,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-158,000 | $-518,000 | $-447,000 | $-308,000 |
| Issuance Of Capital Stock | $43,389,000 | $0 | - | $0 |
| Financing Cash Flow | $84,201,000 | $-2,233,000 | $161,724,000 | $183,526,000 |
| Cash Flow From Continuing Financing Activities | $84,201,000 | $-2,233,000 | $161,724,000 | $183,526,000 |
| Cash Dividends Paid | $-7,099,000 | $-5,325,000 | $-5,191,000 | $-4,669,000 |
| Common Stock Dividend Paid | $-7,099,000 | $-5,325,000 | $-5,191,000 | $-4,669,000 |
| Net Common Stock Issuance | $43,231,000 | $-518,000 | $-447,000 | $-308,000 |
| Common Stock Issuance | $43,389,000 | $0 | - | $0 |
| Other | ||||
| Repayment Of Debt | $-20,000,000 | $0 | $0 | $-3,000,000 |
| Issuance Of Debt | $24,555,000 | $0 | $10,000,000 | $0 |
| Interest Paid Supplemental Data | $30,535,000 | $36,919,000 | $27,533,000 | $6,118,000 |
| Income Tax Paid Supplemental Data | $10,364,000 | $10,109,000 | $7,822,000 | $7,255,000 |
| End Cash Position | $204,232,000 | $150,334,000 | $147,383,000 | $86,081,000 |
| Beginning Cash Position | $150,334,000 | $147,383,000 | $86,081,000 | $306,179,000 |
| Changes In Cash | $53,898,000 | $2,951,000 | $61,302,000 | $-220,098,000 |
| Common Stock Payments | $-158,000 | $-518,000 | $-447,000 | $-308,000 |
| Net Issuance Payments Of Debt | $-108,945,000 | $-111,000,000 | $103,000,000 | $128,500,000 |
| Net Short Term Debt Issuance | $-113,500,000 | $-111,000,000 | $93,000,000 | $131,500,000 |
| Net Long Term Debt Issuance | $4,555,000 | $0 | $10,000,000 | $-3,000,000 |
| Long Term Debt Payments | $-20,000,000 | $0 | $0 | $-3,000,000 |
| Long Term Debt Issuance | $24,555,000 | $0 | $10,000,000 | $0 |
| Net Investment Purchase And Sale | $46,013,000 | $40,341,000 | $42,279,000 | $-145,467,000 |
| Sale Of Investment | $68,646,000 | $45,757,000 | $49,121,000 | $66,282,000 |
| Purchase Of Investment | $-22,633,000 | $-5,416,000 | $-6,842,000 | $-211,749,000 |
| Net PPE Purchase And Sale | $19,000 | $-1,309,000 | $-3,101,000 | $-1,545,000 |
| Sale Of PPE | $2,535,000 | $421,000 | $435,000 | $0 |
| Purchase Of PPE | $-2,516,000 | $-1,730,000 | $-3,536,000 | $-1,545,000 |
| Change In Working Capital | $-2,500,000 | $-2,862,000 | $7,012,000 | $-1,990,000 |
| Change In Other Current Liabilities | $2,645,000 | $611,000 | $3,450,000 | $863,000 |
| Change In Other Current Assets | $-1,442,000 | $-2,727,000 | $3,176,000 | $-3,176,000 |
| Change In Receivables | $-3,703,000 | $-746,000 | $386,000 | $323,000 |
| Changes In Account Receivables | $-3,703,000 | $-746,000 | $386,000 | $323,000 |
| Other Non Cash Items | $-6,446,000 | $-2,988,000 | $-3,925,000 | $-4,477,000 |
| Stock Based Compensation | $1,143,000 | $1,758,000 | $871,000 | $669,000 |
| Deferred Tax | $240,000 | $69,000 | $103,000 | $-958,000 |
| Deferred Income Tax | $240,000 | $69,000 | $103,000 | $-958,000 |
| Depreciation Amortization Depletion | $1,829,000 | $1,947,000 | $1,966,000 | $1,693,000 |
| Depreciation And Amortization | $1,829,000 | $1,947,000 | $1,966,000 | $1,693,000 |
| Amortization Cash Flow | $286,000 | $286,000 | $285,000 | $286,000 |
| Amortization Of Intangibles | $286,000 | $286,000 | $285,000 | $286,000 |
| Depreciation | $1,543,000 | $1,661,000 | $1,681,000 | $1,407,000 |
| Gain Loss On Investment Securities | $568,000 | $0 | $-107,000 | $0 |
| Net Income From Continuing Operations | $41,614,000 | $27,883,000 | $29,478,000 | $24,363,000 |
| Short Term Debt Issuance | - | - | - | $131,500,000 |
Fetched: 2026-06-22