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OBT

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Orange County Bancorp, Inc. · Financial Services · United States · $511M · Avg Vol: $2M/d

70
StockRank
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Q
62
V
43
M
59
P/E (TTM)
10.9x
ROE
16.9%
D/E
0.1x
Dividend %
1.8%
Dir. Trades · 180d
+$6.2K · −$176.1K →
Buybacks · 180d
$158K →

COMPANY DESCRIPTION

Orange County Bancorp, Inc. is a bank holding company for Orange Bank & Trust Company, providing a comprehensive suite of commercial and retail banking services to businesses and individuals primarily in the Hudson Valley region of New York. The company distinguishes itself through a community-focused banking model, emphasizing strong local relationships and personalized customer service.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue89.9M101.7M107.6M127.1M12.3%122.7M131.7M141.9M5.6%
EPS2.172.622.473.3315.4%3.563.443.756.1%
Shares11.3M11.3M11.4M13.4M+18.5%13.4M———
Debt150.9M254.0M143.1M34.6M-38.8%34.6M———
Equity138.1M165.4M185.5M284.4M27.2%————
Op CF30.5M44.5M34.6M43.8M12.9%66.8M———
Inv CF-434.1M-144.9M-29.4M-74.2M—————
Fin CF183.5M161.7M-2.2M84.2M—————
Loading 1Y...
PRICE (1Y)+1.4%
37.5037.9238.3438.7739.19Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$38.28
RSI (14)
53.7
52W High
$39.91
From 52W High
1.0%

SCORE BREAKDOWN

Quality
62
ROIC (ROA)
1.8%*52.9
ROE
16.9%78.4
GP/Assets
4.6%N/A
Op. Margin
40.9%58.7
FCF/Assets
1.8%N/A
Piotroski
567.4
Int. Cover
—50.0
D/E Ratio
0.12xN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
10.9x62.9
EV/EBITDA
bankN/A
P/FCF
10.9xN/A
P/B
1.7x32.3
P/S
4.2x41.5
Div Yield
1.8%21.1
Momentum
59
52W High %
96%78.9
RS 6M
12%74.9
SMA 50/200
1.13x80.6
EPS Rev 4W
0.0%27.7
EPS Rev 12W
-1.6%24.6
EPS Improve
+6%28.4
Q Growth
31%61.6

FUNDAMENTALS

Market Cap
$511M
P/E (Forward)
10.3x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OBT are excluded.

TickerCompanyMkt CapStockRankSignal
OBTOrange County Bancorp, Inc.(you)$511M70Buy
BWFGBankwell Financial Group, Inc.$531M72Buy
WTBAWest Bancorporation, Inc.$485M73Buy
PLBCPlumas Bancorp$430M71Buy
NRIMNorthrim BanCorp, Inc.$571M67Buy
PCBPCB Bancorp$386M70Buy
CIVBCivista Bancshares, Inc.$571M74Buy
CZNCCitizens & Northern Corporation$458M65Hold
KRNYKearny Financial Corp.$638M67Buy
ISTRInvestar Holding Corporation$417M67Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Orange County Bancorp, Inc. (OBT): Stock Score Summary

Orange County Bancorp, Inc. (OBT) has a MoatMap StockRank of 70/100 based on Quality (62/100), Value (43/100), and Momentum (59/100) factor scores. The current signal is BUY.

Orange County Bancorp, Inc. is a bank holding company for Orange Bank & Trust Company, providing a comprehensive suite of commercial and retail banking services to businesses and individuals primarily in the Hudson Valley region of New York. The company distinguishes itself through a community-focused banking model, emphasizing strong local relationships and personalized customer service.

Key Financial Metrics

Price$38.28
Market Cap$511M
P/E (TTM)10.88
P/E (Forward)10.26
Price/Book1.69
Return on Equity16.9%
Debt/Equity0.12x
Operating Margin40.9%
Revenue Growth-5.0%
Dividend Yield1.8%
Free Cash Flow$47M

Orange County Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Orange County Bancorp, Inc.’s (OBT) StockRank?
MoatMap’s StockRank for Orange County Bancorp, Inc. (OBT) is 70/100, with a Buy signal. It is a composite of Quality (62), Value (43), and Momentum (59) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Orange County Bancorp, Inc. have an economic moat?
Orange County Bancorp, Inc. (OBT) has a Quality factor score of 62/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Orange County Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Orange County Bancorp, Inc. (OBT) is Buy, based on a StockRank of 70/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Orange County Bancorp, Inc. in?
Orange County Bancorp, Inc. (OBT) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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