Orange County Bancorp, Inc. (OBT) AI Stock Analysis

Founded in 1892 and based in Middletown, New York, Orange County Bancorp, Inc. provides commercial and consumer banking services alongside trust and wealth management solutions. It serves small businesses, middle-market enterprises, local municipal governments, and affluent individuals. Deposit products include interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. Its lending portfolio covers 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, the company provides asset management, financial planning, traditional trust and administration, and wealth management services.

Orange County Bancorp expanded revenue at a 5-year CAGR of 19.7% from FY2020 through FY2025. Annual revenue grew from $76.0M in FY2021 to $96.0M in FY2022, $131.1M in FY2023, $143.1M in FY2024, and $158.1M in FY2025. Net income increased from $21.3M in FY2021 to $41.6M in FY2025, supported by a net margin of 26.3% and EPS of $3.32. Operating margin improved from 24.3% in FY2024 to 32.6% in FY2025. For the trailing twelve months ended June 30, 2026, revenue stood at $122.7M with an operating margin of 40.9% and EPS of $3.56. In the latest quarter, quarterly revenue fell 5.0% year-over-year, while quarterly earnings grew 17.0%.

As of June 30, 2026, Orange County Bancorp maintained $730.8M in cash and short-term investments against $34.6M in total debt, creating net cash of $696.2M. Total assets reached $2.80B, with shareholders' equity of $306.6M and a debt-to-equity ratio of 0.11. For FY2025, the bank generated $43.8M in operating cash flow and $41.3M in free cash flow. Capital expenditures were $2.5M, while capital allocation included $7.1M paid in dividends and $158,000 allocated to share buybacks.

At the last close of $37.19 on October 16, 2026, Orange County Bancorp had an enterprise value of $198.3M and a price-to-book ratio of 1.6x. The stock trades at a trailing P/E of 10.4x, below the median of its US-listed Financial Services peers of 12.1x. Its price-to-sales multiple of 4.1x is higher than the peer median of 3.2x. Over the past year, the stock gained 60.8%, exceeding the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned 135.9% versus 83.0% for the S&P 500.

Orange County Bancorp pays a forward annual dividend of $0.72 per share, yielding 1.94% with a payout ratio of 20.3%. The dividend is paid quarterly, and the last ex-dividend date was September 4, 2026. The company has paid dividends for 19 consecutive years, producing a 5-year annualized dividend growth rate of 7.3%.

Wall Street analysts cover the stock with 2 Strong Buy ratings, 1 Buy rating, and 0 Hold or Sell ratings. The mean price target is $43.33, which sits 16.5% above the last close of $37.19. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $131.9M and EPS of $3.45. Orange County Bancorp has beaten EPS estimates in each of the last 4 quarters, and its next earnings date is November 4, 2026.

This page is an AI-written research summary of Orange County Bancorp, Inc. (OBT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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