Orange County Bancorp, Inc. (OBT)

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.

Ticker
OBT
Exchange
Nasdaq
Sector
Financial Services
Industry
Banks - Regional
Market cap
$529.61M
52-week range
$25.01 - $41.66

Valuation

Share price
$39.50 (close of Nov 6, 2026)
P/E (TTM)
11.11x
Price to book
1.73x
Price to free cash flow
8.19x
Enterprise value
$229.29M
Book value per share
$22.87

Price performance

PeriodChange
1 day-0.90%
5 days+2.09%
1 month+5.33%
3 months+2.89%
6 months+13.87%
Year to date+38.35%
1 year+55.27%
3 years+82.96%
5 years+107.89%
10 years+242.88%
All time+271.76%

Short interest

As of
Oct 15, 2026
Short % of float
1.18%
Shares short
146.30K
Days to cover
2.12
Change since prior report
+10.54%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
14.63%
Return on assets
1.56%
Net margin
32.71%
Revenue growth
18.07%
Net income growth
49.25%
Free cash flow growth
25.74%

Cash flow and balance sheet

Free cash flow yield (TTM)
12.21%
Net debt to EBITDA
-3.68x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$127.20M
Net income
$41.61M
Earnings per share
$3.33
Interest expense
$30.93M
Shares outstanding
12.51M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$127.20M$41.61M$3.33
2024-12-31$107.74M$27.88M$2.47
2023-12-31$101.81M$29.48M$2.62
2022-12-31$90.08M$24.36M$2.17
2021-12-31$72.56M$21.29M$2.14
2020-12-31$60.16M$11.68M$1.30

Margins and returns by year

Period endNet marginReturn on equity
2025-12-3132.71%14.63%
2024-12-3125.88%15.03%
2023-12-3128.95%17.82%
2022-12-3127.04%17.64%
2021-12-3129.34%11.64%
2020-12-3119.41%8.62%

Cash and debt by year

Period endCash
2025-12-31$204.23M
2024-12-31$150.33M
2023-12-31$147.38M
2022-12-31$86.08M
2021-12-31$306.18M
2020-12-31$121.23M
2019-12-31$25.11M
2018-12-31$18.37M
2017-12-31$30.22M
2016-12-31$27.34M

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$41.33M$1.14M
2024-12-31$32.87M$1.75M
2023-12-31$40.96M$818.00K
2022-12-31$28.94M$503.00K
2021-12-31$18.36M$69.00K
2020-12-31$10.65M$154.00K
2019-12-31$11.88M-
2018-12-31$10.53M-
2017-12-31$6.86M-
2016-12-31$8.89M-

Dividend history

Most recent payment
Sep 4, 2026
Paid in the last twelve months
$0.72
Payment dateDividend per share
2026-09-04$0.18
2026-06-04$0.18
2026-03-04$0.18
2025-12-04$0.18
2025-09-08$0.13
2025-06-04$0.13
2025-03-04$0.13
2024-12-04$0.25

Investor relations

Past earnings dates

ReportedFiscal periodEPS estimate
2026-10-28Sep 2026$0.82
2026-07-28Jun 2026-
2026-04-28Mar 2026-
2026-02-04Dec 2025$0.75
2025-10-29Sep 2025$0.68
2025-07-30Jun 2025$0.76
2025-04-30Mar 2025$0.67
2025-02-05Dec 2024$0.68

Filings and sources

Company website
orangebanktrust.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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Understanding these figures

Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart

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