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    Orange County Bancorp Inc (OBT)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $36.73
    +0.39 (+1.07%)

    Market Cap: $487.25M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    85%(22/26)
    Avg Surprise
    +10.81%
    Streak
    6 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.82
    Range$0.81 - $0.83
    2 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.86-5.2%
    60d ago$0.86-5.2%
    30d ago$0.820.0%
    7d ago$0.81+0.6%
    Current$0.82
    Revenue Consensus
    $33M
    Range$33M - $34M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.05
    Range$1.02 - $1.08
    3 analysts
    Revenue Consensus
    $33M
    Range$33M - $33M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.05---
    Sep 26EST
    		-$0.82---
    Jun 26
    Reported Jul 29
    		$1.02$0.80+27.50%Beat+17.2%
    Mar 26
    Reported Apr 28
    		$0.85$0.78+8.97%Beat+10.4%
    Dec 25
    Reported Feb 4
    		$0.93$0.74+25.68%Beat+47.6%
    Sep 25
    Reported Nov 10
    		$0.75$0.69+8.70%Beat+167.9%
    Jun 25
    Reported Jul 30
    		$0.87$0.69+26.09%Beat+19.2%
    Mar 25
    Reported Apr 30
    		$0.77$0.67+14.93%Beat-7.2%
    Dec 24
    Reported Mar 17
    		$0.63$0.70-10.00%Miss-12.5%
    Sep 24
    Reported Oct 30
    		$0.28N/A-62.67%Miss-65.4%
    Jun 24
    Reported Jul 31
    		$0.73$0.70+4.29%Beat-9.9%
    Mar 24
    Reported May 1
    		$0.83$0.67+23.88%Beat+29.7%
    Dec 23
    Reported Mar 29
    		$0.72$0.67+7.46%Beat-11.1%
    Sep 23
    Reported Oct 25
    		$0.81$0.66+22.73%Beat+15.7%
    Jun 23
    Reported Jul 26
    		$0.81$0.55+47.27%Beat+113.2%
    Mar 23
    Reported May 1
    		$0.64$0.69-7.25%Miss+33.3%
    Dec 22
    Reported Mar 24
    		$0.81$0.74+9.46%Beat+65.3%
    Sep 22
    Reported Oct 25
    		$0.70$0.53+32.08%Beat+32.1%
    Jun 22
    Reported Aug 1
    		$0.38N/A-60.42%Miss-67.2%
    Mar 22
    Reported Apr 27
    		$0.48$0.46+4.35%Beat-57.1%
    Dec 21
    Reported Mar 30
    		$0.49$0.43+13.95%Beat+32.4%
    Sep 21
    Reported Oct 25
    		$0.53$0.45+17.78%Beat+47.2%
    Jun 21
    Reported Aug 12
    		$1.16$0.94+23.40%Beat+274.2%
    Mar 21
    Reported May 3
    		$1.12$0.76+47.37%Beat+115.4%
    Dec 20
    Reported Feb 1
    		$0.37$0.33+12.12%Beat-42.5%
    Sep 20
    Reported Oct 22
    		$0.36$0.28+28.57%Beat+2.1%
    Jun 20
    Reported Jul 27
    		$0.31$0.27+14.81%Beat-1.1%
    Mar 20
    Reported Apr 27
    		$0.52$0.52+0.00%Beat+86.8%
    Dec 19
    Reported Jan 23
    		$0.64N/AN/ABeat+121.6%
    Sep 19
    Reported Sep 30
    		$0.35N/AN/ABeat+37.1%
    Jun 19
    Reported Jun 30
    		$0.31N/AN/ABeat+59.6%
    Mar 19
    Reported Mar 31
    		$0.28N/AN/ABeat+62.5%
    Dec 18
    Reported Mar 31
    		$0.29N/AN/ABeat-
    Sep 18
    Reported Sep 30
    		$0.26N/AN/ABeat-
    Jun 18
    Reported Jun 30
    		$0.20N/AN/ABeat-
    Mar 18
    Reported Mar 31
    		$0.17N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield1.96%
    Forward Annual Dividend$0.72
    Payout Ratio20.33%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+11.16%
    5Y CAGR+7.34%
    OBT dividend history and ex-dividend datesRun OBT in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.35EV/EBITDA3.44x
    Price/FCF7.60xFCF Yield13.16%
    Profitability
    Profit Margin38.60%Operating Margin40.90%
    ROE17.00%ROIC13.89%
    Financial Health
    Debt/Equity0.11xInterest Coverage1.94x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.43Avg Volume69.68K
    52-Week High$39.9152-Week Low$22.74

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$37.14
    SMA 20$37.32
    SMA 50$37.84
    SMA 200$34.74
    EMA 10$37.03
    EMA 20$37.29
    EMA 50$37.45
    EMA 200$34.57

    MACD

    Line: -0.29Signal: -0.22Hist: -0.08

    ADX

    ADX: 19.6+DI: 17.4-DI: 20.9

    Aroon & PSAR

    Aroon Up24.0
    Aroon Down60.0
    PSAR$38.82

    Bollinger Bands

    Upper Band$38.22
    Lower Band$36.42
    %B Position482%(Upper)
    Band Width0.17

    RSI (14-Day)

    Neutral
    42.2

    Momentum Oscillators

    Stoch %K34.0
    Stoch %D41.6
    Williams %R-64.2
    ROC (10d)-1.2%
    Momentum-0.46
    CCI (20d)-95.5
    MFI (14d)46.0

    Volatility Measures

    ATR (14d)$1.07(2.9%)
    StdDev (20d)0.45
    Hist Vol17.1%(Low)

    Volume Flow

    VWAP$36.87
    OBV4.3M
    AD Line-15.7M
    CMF (20d)-0.220

    Volume Metrics

    Avg Vol (20d)71.4K
    Vol Ratio0.9x
    VWMA (20d)$37.39

    Pivot Points

    R3$37.59
    R2$37.23
    R1$36.78
    Pivot Point$36.42
    S1$35.97
    S2$35.61
    S3$35.16

    Advanced Oscillators

    TSI-13.49
    Ultimate Osc40.7
    KST-22.91

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$27.82M$32.08M$33.03M$33.73M$32.46M$27.98M$27.38M$27.14M$27.93M$25.29M$25.89M$25.72M
    Cost of RevenueN/A$6.52M$8.54M$11.46M$10.20M$8.48M$9.08M$15.66M$10.60M$9.73M$9.88M$8.44M
    Gross ProfitN/A$27.90M$31.47M$29.84M$30.32M$27.76M$27.42M$19.92M$25.68M$26.89M$25.40M$24.85M
    Operating Expenses$17.27M$17.92M$17.81M$16.84M$16.75M$16.49M$18.47M$15.95M$15.49M$15.31M$14.73M$13.59M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$10.41M$13.66M$13.02M$13.59M$11.29M$8.97M$4.00M$10.23M$11.62M$10.70M$11.29M
    Interest Income$34.55M$34.42M$35.32M$34.53M$33.22M$31.91M$32.21M$31.44M$32.51M$31.07M$31.57M$30.10M
    Interest Expense$6.13M$6.52M$6.98M$7.58M$8.08M$8.28M$9.13M$8.47M$8.39M$9.47M$9.42M$7.60M
    Income Before Tax$11.56M$14.59M$13.66M$13.02M$13.59M$11.29M$8.97M$4.00M$10.23M$11.62M$10.70M$11.29M
    Income Tax Expense$-2,099,000$3.31M$1.23M$3.00M$3.13M$2.58M$1.80M$788,000$2.02M$2.33M$2.58M$2.26M
    Net Income$13.66M$11.28M$12.43M$10.02M$10.46M$8.70M$7.16M$3.22M$8.21M$9.29M$8.12M$9.04M
    EBITDA$12.29M$15.30M$14.35M$13.71M$14.28M$12.01M$9.80M$4.78M$10.98M$12.36M$11.46M$12.12M
    EBIT$11.56M$14.59M$13.66M$13.02M$13.59M$11.29M$8.97M$4.00M$10.23M$11.62M$10.70M$11.29M
    * Some calculated fields are derived from available data when not provided by source

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    News

    (OBT) Price Dynamics and Execution-Aware Positioning

    This article provides an in-depth analysis of Orange County Bancorp Inc (NYSE: OBT), highlighting weak near-term sentiment despite long-term strength. It details specific trading strategies, including position trading...

    Stock Traders Daily•10/13/26•Somewhat-Bullish

    Orange County Bancorp (NASDAQ:OBT) Stock Rating Raised to "Strong-Buy" at Zacks Research

    Zacks Research has upgraded Orange County Bancorp (NASDAQ:OBT) to a "strong-buy" rating, contributing to the stock's overall "Strong Buy" consensus and a $43.25 average price target. The company's shares opened at...

    MarketBeat•10/9/26•Bullish

    Orange Bank & Trust hires Natasha Chang as trust officer

    Orange Bank & Trust Company has announced the appointment of Natasha Chang as Director and Trust Officer for its Trust Services Division, covering the Westchester, Bronx...

    Investing.com•10/6/26•Bullish

    Orange Bank & Trust names new trust officer for Westchester markets

    Orange Bank & Trust Company has appointed Natasha Chang as Director and Trust Officer for its Westchester, Bronx, and Yonkers markets. Chang, previously a staff attorney at White & Case LLP...

    StreetInsider•10/6/26•Somewhat-Bullish

    Orange Bank & Trust hires Natasha Chang as trust officer By Investing.com

    Orange Bank & Trust Company has announced the appointment of Natasha Chang as Director and Trust Officer for its Trust Services Division, serving the Westchester, Bronx...

    Investing.com Canada•10/6/26•Bullish

    OBT Valuation and Fair Value

    P/E
    10.3x
    EV/EBITDA
    3.4x
    P/FCF
    7.6x
    P/B
    1.6x
    See GNG's fair value

    OBT Profitability: Margins, ROIC and FCF

    Operating margin
    40.9%
    Net margin
    38.6%
    ROIC
    13.9%
    ROE
    17.0%
    FCF margin
    51.1%
    FCF yield
    13.2%

    OBT Competitors

    CompanyTicker
    First Foundation Inc.FFWM
    Greenlight Capital Re LtdGLRE
    OppFi IncOPFI
    Ponce Financial Group IncPDLB
    American Coastal Insurance CorpACIC
    West BancorporationWTBA
    Gemini Space Station, Inc. Class A Common StockGEMI
    ChoiceOne Financial Services IncCOFS

    Sector: Financial Services

    OBT Bull Case vs Bear Case

    Bull case

    • OBT converts 51.1% of revenue into free cash flow.
    • OBT has a 38.6% net profit margin.
    • OBT beat EPS estimates in 75.0% of its last 8 reported quarters.

    Bear case

    • OBT's quarterly revenue changed -5.0% year over year.

    OBT Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    4.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.82
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    OBT Dividend

    Forward yield
    2.0%
    Payout ratio
    20.3%
    3Y DPS growth
    11.2%
    5Y DPS growth
    7.3%
    Pay months
    Mar, Jun, Sep, Dec
    OBT dividend history

    Frequently Asked Questions About OBT

    What is OBT's current dividend yield?

    Orange County Bancorp Inc (OBT) has a forward dividend yield of 1.96%.

    Does OBT pay dividends?

    Yes, Orange County Bancorp Inc pays dividends with a forward dividend yield of 1.96%.

    What is OBT's P/E ratio?

    Orange County Bancorp Inc has a price-to-earnings (P/E) ratio of 10.35.

    What is OBT's market cap?

    Orange County Bancorp Inc (OBT) has a market capitalization of $487.25M with a current stock price of $36.73.

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