O

    Orange County Bancorp Inc (OBT)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $37.95
    -0.15 (-0.39%)

    Market Cap: $510.84M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

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

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.82
    Range$0.82 - $0.82
    1 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate Drift
    90d ago$0.86+5.5%
    60d ago$0.86+5.5%
    30d ago$0.86+5.5%
    7d ago$0.81-0.6%
    Current$0.82
    Revenue Consensus
    $33M
    Range$33M - $33M
    1 analysts
    Dec 31, 2026
    EPS Consensus$1.04
    Range$1.04 - $1.05
    2 analysts
    Revenue Consensus
    $33M
    Range$33M - $33M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.04---
    Sep 26EST
    		-$0.82---
    Jun 26
    		$1.02$0.80+27.50%Beat+17.2%
    Mar 26
    		$0.85$0.78+8.97%Beat+10.4%
    Dec 25
    		$0.93$0.74+25.68%Beat+47.6%
    Sep 25
    		$0.75$0.69+8.70%Beat+167.9%
    Jun 25
    		$0.87$0.69+26.09%Beat+19.2%
    Mar 25
    		$0.77$0.67+14.93%Beat-7.2%
    Dec 24
    		$0.63$0.70-10.00%Miss-12.5%
    Sep 24
    		$0.28N/A-62.67%Miss-65.4%
    Jun 24
    		$0.73$0.70+4.29%Beat-9.9%
    Mar 24
    		$0.83$0.67+23.88%Beat+29.7%
    Dec 23
    		$0.72$0.67+7.46%Beat-11.1%
    Sep 23
    		$0.81$0.66+22.73%Beat+15.7%
    Jun 23
    		$0.81$0.55+47.27%Beat+113.2%
    Mar 23
    		$0.64$0.69-7.25%Miss+33.3%
    Dec 22
    		$0.81$0.74+9.46%Beat+65.3%
    Sep 22
    		$0.70$0.53+32.08%Beat+32.1%
    Jun 22
    		$0.38N/A-60.42%Miss-67.2%
    Mar 22
    		$0.48$0.46+4.35%Beat-57.1%
    Dec 21
    		$0.49$0.43+13.95%Beat+32.4%
    Sep 21
    		$0.53$0.45+17.78%Beat+47.2%
    Jun 21
    		$1.16$0.94+23.40%Beat+274.2%
    Mar 21
    		$1.12$0.76+47.37%Beat+115.4%
    Dec 20
    		$0.37$0.33+12.12%Beat-42.5%
    Sep 20
    		$0.36$0.28+28.57%Beat+2.1%
    Jun 20
    		$0.31$0.27+14.81%Beat-1.1%
    Mar 20
    		$0.52$0.52+0.00%Beat+86.8%
    Dec 19
    		$0.64N/AN/ABeat+121.6%
    Sep 19
    		$0.35N/AN/ABeat+37.1%
    Jun 19
    		$0.31N/AN/ABeat+59.6%
    Mar 19
    		$0.28N/AN/ABeat+62.5%
    Dec 18
    		$0.29N/AN/ABeat-
    Sep 18
    		$0.26N/AN/ABeat-
    Jun 18
    		$0.20N/AN/ABeat-
    Mar 18
    		$0.17N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield1.77%
    Annual/Share$0.67
    Payout Ratio18.92%
    Frequency4
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+11.16%
    5Y CAGR+7.34%
    View OBT's full dividend history

    Key Metrics

    Valuation
    P/E Ratio10.69EV/EBITDAN/A
    Price/FCF7.85xFCF Yield12.74%
    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
    Beta0.42Avg Volume46.41K
    52-Week High$40.1052-Week Low$22.85

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$38.06
    SMA 20$38.42
    SMA 50$37.77
    SMA 200$33.16
    EMA 10$38.10
    EMA 20$38.15
    EMA 50$37.54
    EMA 200$33.64

    MACD

    Line: 0.05Signal: 0.18Hist: -0.13

    ADX

    ADX: 21.6+DI: 16.5-DI: 21.8

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down92.0
    PSAR$38.95

    Bollinger Bands

    Upper Band$39.35
    Lower Band$37.48
    %B Position486%(Upper)
    Band Width0.25

    RSI (14-Day)

    Neutral
    48.5

    Momentum Oscillators

    Stoch %K36.3
    Stoch %D29.0
    Williams %R-65.3
    ROC (10d)-2.0%
    Momentum-0.77
    CCI (20d)-97.3
    MFI (14d)52.6

    Volatility Measures

    ATR (14d)$0.91(2.4%)
    StdDev (20d)0.47
    Hist Vol16.1%(Low)

    Volume Flow

    VWAP$37.81
    OBV4.2M
    AD Line-14.6M
    CMF (20d)-0.031

    Volume Metrics

    Avg Vol (20d)46.1K
    Vol Ratio1.1x
    VWMA (20d)$38.42

    Pivot Points

    R3$38.89
    R2$38.64
    R1$38.37
    Pivot Point$38.12
    S1$37.85
    S2$37.60
    S3$37.33

    Advanced Oscillators

    TSI2.10
    Ultimate Osc51.0
    KST9.83

    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

    Press Release: Orange County Bancorp, Inc. Declares Cash Dividend

    Orange County Bancorp, Inc. (NASDAQ: OCBI) has declared a quarterly cash dividend of $0.17 per share of its common stock. This dividend will be payable on September 25, 2026, to shareholders of record as of September 11, 2026. The announcement was made by President and CEO Michael Gilfeather.

    Moomoo•8/22/26•
    Neutral

    Orange County Bancorp declares $0.18 dividend per share

    Orange County Bancorp, Inc. has announced a cash dividend of $0.18 per share of common stock. The dividend is scheduled to be paid on September 15, 2026, to shareholders who are on record as of September 4, 2026. The company, which is the parent of Orange Bank & Trust Company and Orange Investment Advisors, Inc., currently holds approximately $2.6 billion in total assets.

    Investing.com•8/21/26•
    Bullish

    Orange County Bancorp Keeps Quarterly Dividend at $0.18 Per Share; Payable Sept. 15 to Shareholders of Record on Sept. 4

    Orange County Bancorp announced that it will keep its quarterly dividend at $0.18 per share. The dividend is payable on September 15, 2026, to shareholders of record as of September 4, 2026. This decision reflects the company's consistent dividend policy.

    marketscreener.com•8/21/26•
    Somewhat-Bullish

    Orange County Bancorp shareholders of record will receive $0.18 on Sept. 15

    Orange County Bancorp (Nasdaq: OBT) has declared a cash dividend of $0.18 per common share. This dividend is scheduled for payment on September 15, 2026, to shareholders who are on record as of September 4, 2026. The announcement highlights the company's commitment to returning value to its shareholders.

    Stock Titan•8/21/26•
    Bullish

    Dimensional Fund Advisors LP Has $4.06 Million Position in Orange County Bancorp, Inc. $OBT

    Dimensional Fund Advisors LP increased its stake in Orange County Bancorp, Inc. (NASDAQ:OBT) by 29.9% in the first quarter, now holding 126,936 shares valued at $4.06 million. Despite the company beating EPS estimates but missing revenue forecasts, analysts maintain a "Moderate Buy" rating with an average price target of $39.25. However, company insiders have recently sold shares totaling $176,136.

    MarketBeat•8/13/26•
    Somewhat-Bullish

    Frequently Asked Questions About OBT

    What is OBT's current dividend yield?
    Orange County Bancorp Inc (OBT) has a current dividend yield of 1.77%.
    Does OBT pay dividends?
    Yes, Orange County Bancorp Inc pays dividends with a current yield of 1.77%.
    What is OBT's P/E ratio?
    Orange County Bancorp Inc has a price-to-earnings (P/E) ratio of 10.69.
    What is OBT's market cap?
    Orange County Bancorp Inc (OBT) has a market capitalization of $510.84M with a current stock price of $37.95.

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