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.
- Symbol
- OBT
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $501.99M
- 52 week range
- 23.25 - 40.1
Valuation
- Share price
- $37.38 (close of 2026-09-23)
- P/E (TTM)
- 10.52x
- Price to book
- 1.64x
- Price to free cash flow
- 7.76x
- Enterprise value
- $201.67M
- Book value per share
- $22.87
Price performance
| Period | Change |
|---|
| 1 day | -0.13% |
| 5 days | -3.61% |
| 1 month | -1.61% |
| 3 months | +2.41% |
| 6 months | +16.92% |
| Year to date | +30.93% |
| 1 year | +45.79% |
| 3 years | +71.31% |
| 5 years | +120.53% |
| 10 years | +221.13% |
| All time | +251.65% |
Profitability and growth
- Return on equity
- 14.63%
- Return on assets
- 1.56%
- Net margin
- 30.83%
- EBITDA margin
- 62.25%
- Revenue growth
- 6.10%
- Net income growth
- 49.25%
- Free cash flow growth
- 25.74%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 12.88%
- Net debt to EBITDA
- -3.73x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $134.98M
- EBITDA
- $84.03M
- Net income
- $41.61M
- Earnings per share
- $3.33
- Interest expense
- $30.93M
- Shares outstanding
- 12.51M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $134.98M | $41.61M | $3.33 |
| 2024-12-31 | $127.23M | $27.88M | $2.47 |
| 2023-12-31 | $117.77M | $29.48M | $2.62 |
| 2022-12-31 | $84.22M | $24.36M | $2.17 |
| 2021-12-31 | $64.43M | $21.29M | $2.14 |
| 2020-12-31 | $53.46M | $11.68M | $1.29 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 30.83% | 14.63% |
| 2024-12-31 | 21.92% | 15.03% |
| 2023-12-31 | 25.03% | 17.82% |
| 2022-12-31 | 28.93% | 17.64% |
| 2021-12-31 | 33.04% | 11.64% |
| 2020-12-31 | 21.85% | 8.62% |
Cash and debt by year
| Period end | Cash |
|---|
| 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 |
Free cash flow by year
| Period end | Free cash flow | Stock-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 |
Dividend history
- Most recent payment
- 2026-09-04
- Paid in the last twelve months
- $0.72
| Payment date | Dividend 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 | $0.13 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-11-04
- Consensus EPS estimate
- $0.81
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-28 | Jun/2026 | - |
| 2026-04-28 | - | - |
| 2026-02-04 | - | - |
| 2025-10-29 | - | - |
| 2025-07-30 | - | - |
| 2025-04-30 | - | - |
| 2025-02-05 | - | - |
| 2024-10-30 | - | - |
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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Price-to-earnings ratio · 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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