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ORANGE COUNTY BANCORP INC

OBTNASDAQ
πŸ† #2954 by market capUS Equity
$222.49β–² $19.31 (+8.68%)
Simulated price
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🏦Market Cap
$507M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+10.5%
Healthy
πŸ“ŠGross Margin
79.0%
High
πŸ’΅FCF Margin
43.5%
Strong
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
76
Good
No chart data available for OBT.

Trading Snapshot

Day Range
$220.97 – $224.76
52-Week Range
$23.25 – $40.10
Volume
$1.75B
Avg Volume
$1.50B
Shares Outstanding
13.4M
Next Earnings
Dec 6, 2026

Fundamentals Snapshot

Annual Revenue
$158M
Last Q Revenue
$35M
P/E Ratio
10.7
P/S Ratio
3.4x
EPS (TTM)
$3.55
Dividend Yield
1.90%
Dilution (1yr)
+18.0%

Why Investors Own OBT

  • βœ“High-growth profile β€” revenue up +41.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 67% gross margin and 7% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

OBT logo

ORANGE COUNTY BANCORP INC

OBT
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$158Mβ–² +10.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.5%β–² +8.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$52Mβ–² +48.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$41Mβ–² +25.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
13.3Mβ–² +18.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$170Mβ–² +$162M YoY
StockOtter Β· stockotter.space

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$240.63
β–² +8.2% Upside
High Target$302.19
Low Target$212.10
Based on 28 analysts

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