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OBT

BUY

Orange County Bancorp, Inc. · Financial Services · United States · $505M · Avg Vol: $4M/d

75
StockRank
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Q
63
V
43
M
62
P/E (TTM)
11.0x
ROE
17.9%
D/E
0.1x
Dividend %
1.7%
Dir. Trades · 180d
+$6.2K →
Buybacks · 180d
$187K →

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%124.2M133.9M144.9M6.8%
EPS2.172.622.473.3315.4%3.413.403.827.2%
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%49.2M———
Inv CF-434.1M-144.9M-29.4M-74.2M—————
Fin CF183.5M161.7M-2.2M84.2M—————
Loading 1Y...
PRICE (1Y)+10.0%
35.3536.2337.1138.0038.88Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$38.88
RSI (14)
72.1
52W High
$40.10
From 52W High
1.0%

SCORE BREAKDOWN

Quality
63
ROIC (ROA)
1.7%*51.9
ROE
17.9%81.7
GP/Assets
4.7%N/A
Op. Margin
46.1%67.3
FCF/Assets
1.8%N/A
Piotroski
565.2
Int. Cover
—50.0
D/E Ratio
0.12xN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
11.0x65.1
EV/EBITDA
bankN/A
P/FCF
10.8xN/A
P/B
1.7x29.6
P/S
4.0x46.9
Div Yield
1.7%15.3
Momentum
62
52W High %
97%53.8
RS 6M
24%87.7
SMA 50/200
1.14x85.6
EPS Rev 4W
-0.3%56.8
EPS Rev 12W
-1.9%29.9
EPS Improve
+12%36.2
Q Growth
30%63.5

FUNDAMENTALS

Market Cap
$505M
P/E (Forward)
9.8x
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)$505M75BUY
BSRRSierra Bancorp$548M74BUY
GCBCGreene County Bancorp, Inc.$562M76BUY
CBKCommercial Bancgroup, Inc.$454M74BUY
KRNYKearny Financial Corp.$592M73BUY
AROWArrow Financial Corporation$611M76BUY
BWFGBankwell Financial Group, Inc.$496M80STRONG BUY
CBNKCapital Bancorp, Inc.$588M78BUY
UNTYUnity Bancorp, Inc.$583M72BUY
PCBPCB Bancorp$400M76BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

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

Orange County Bancorp, Inc. (OBT) has a MoatMap StockRank of 75/100 based on Quality (63/100), Value (43/100), and Momentum (62/100) 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$38.88
Market Cap$505M
P/E (TTM)10.96
P/E (Forward)9.78
Price/Book1.72
Return on Equity17.9%
Debt/Equity0.12x
Operating Margin46.1%
Revenue Growth17.0%
Dividend Yield1.7%
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 75/100, with a Buy signal. It is a composite of Quality (63), Value (43), and Momentum (62) factor ranks across MoatMap’s 20,000+ stock universe.
Does Orange County Bancorp, Inc. have an economic moat?
Orange County Bancorp, Inc. (OBT) has a Quality factor score of 63/100. 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 75/100. 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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