NASDAQ · Banks - Regional

Orange County Bancorp, Inc. (OBT) Stock

$38.31 +0.16% NASDAQ: OBT Financial Services

Valuation

MetricValue
Price$38.31
Market Cap$513.66M
P/E Ratio10.63
P/B Ratio1.64
P/S Ratio3.36
EPS (TTM)$3.33
52-Week High$40.10
52-Week Low$23.25
Dividend Yield1.91%

Financials & Margins

MetricValue
ROE16.44%
ROA1.69%
ROCE13.88%
Gross Margin32.28%
Operating Margin32.91%
Net Margin31.45%
Debt/Equity0.12
Current Ratio0.16

Annual Financials (USD)

Metric20212022202320242025
Revenue$76.0M$96.0M$131.0M$143.0M$158.0M
Operating Profit$27.0M$30.0M$37.0M$35.0M$52.0M
Net Profit$21.0M$24.0M$29.0M$28.0M$42.0M
EPS$2.14$2.17$2.62$2.47$3.33
Op Margin35.1%31.5%28.3%24.3%32.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.1B$2.3B$2.5B$2.5B$2.7B
Total Liabilities$2.0B$2.1B$2.3B$2.3B$2.4B
Cash$306.0M$86.0M$147.0M$150.0M$204.0M
Borrowings$22.0M$151.0M$254.0M$143.0M$35.0M

Latest News

Orange County Bancorp, Inc. (NASDAQ:OBT) Looks Interesting, And It's About To Pay A Dividend Simply Wall St. · May 31, 2026 Top Undervalued Small Caps With Insider Buying To Watch In May 2026 Simply Wall St. · May 25, 2026 Orange County Bancorp, Inc. Declares Cash Dividend GlobeNewswire · May 22, 2026 Orange County Bancorp, Inc. Named to KBW’s Bank Honor Roll GlobeNewswire · May 18, 2026 Orange County Bancorp, Inc. Announces Record First Quarter Earnings: GlobeNewswire · Apr 28, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$20.0M$30.0M$45.0M$35.0M$44.0M
Investing Cash Flow$-293.0M$-436.0M$-148.0M$-31.0M$-77.0M
Financing Cash Flow$425.0M$60.0M$64.0M$114.0M$157.0M
Net Cash Flow$185.0M$-220.0M$61.0M$3.0M$54.0M
Free Cash Flow$18.0M$29.0M$41.0M$33.0M$41.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.27
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y38.23%
Return 3Y93.73%
Return 5Y139.66%

Ownership

Insiders Held8.23%
Institutions Held54.56%
Institutions Float Held59.45%
Institutional HolderSharesReport Date
Blackrock Inc.1,892,3202026-03-31
Orange Investment Advisors, Inc.1,061,4902026-03-31
Wellington Management Group, LLP497,4222026-03-31
Vanguard Capital Management LLC461,7022026-03-31
Manufacturers Life Insurance Co.309,3102026-03-31

About Orange County Bancorp, Inc.

Orange County Bancorp, Inc. is led by CEO Michael J. Gilfeather, publicly traded since 2003.

Orange County Bancorp, Inc. (OBT) stock trades at $38.31 with a market capitalization of $513.66M. The stock is valued at a price-to-earnings (P/E) ratio of 10.63, price-to-book of 1.64, price-to-sales of 3.36. Over the past 52 weeks the stock has ranged between $23.25 and $40.10, and currently trades 4.5% below its 52-week high. It pays a dividend yielding 1.91%.

On profitability, Orange County Bancorp, Inc. generates a return on equity (ROE) of 16.44%, above the typical market range of roughly 12-15%, return on capital employed of 13.88%, an operating margin of 32.91%, a net profit margin of 31.45%.

Orange County Bancorp, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Orange County Bancorp, Inc. reported revenue of $38.0M rising to $158.0M, a change of +315.8% across 10 years. Compounded, revenue has grown 19.8% a year over five years, 18.1% over three, 10.5% over the last twelve months. Net profit rose to $42.0M.

Operating margin went from 11.4% in 2016 to 32.6% in 2025, a gain of 21.2 percentage points. The most recent net margin is 31.45%. On a trailing twelve-month basis to Jun '26, revenue is $150.0M and net profit $47.0M.

Borrowings fell from $88.0M to $35.0M, cash from operations was $44.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 15.3% over five years, and was 14.8% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Orange County Bancorp, Inc. (OBT) — frequently asked questions

What is Orange County Bancorp, Inc. (OBT) stock price today?

Orange County Bancorp, Inc. (OBT) is currently trading at $38.31, up 0.16% today.

What is OBT P/E ratio?

Orange County Bancorp, Inc.'s P/E ratio is 10.63. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is OBT return on equity (ROE)?

Orange County Bancorp, Inc.'s return on equity (ROE) is 16.44%. ROE measures net income relative to shareholders' equity. This is above the typical market range of roughly 12-15%.

What is Orange County Bancorp, Inc.'s market cap?

Orange County Bancorp, Inc. has a market capitalization of $513.66M.

Does OBT pay a dividend?

Yes. Orange County Bancorp, Inc. currently yields 1.91%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does OBT carry?

Orange County Bancorp, Inc. has a debt-to-equity ratio of 0.12. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is OBT's profit margin?

Orange County Bancorp, Inc. reports a net profit margin of 31.45% — the share of revenue left after every cost, including tax and interest.

What sector is OBT in?

Orange County Bancorp, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is OBT listed on?

Orange County Bancorp, Inc. trades on NASDAQ under the ticker OBT.

What is OBT's 52-week range?

Over the last year Orange County Bancorp, Inc. has traded between $23.25 and $40.10.

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Screens OBT currently matches

On the figures above, Orange County Bancorp, Inc. passes the filters for 12 of our ready-made screens, among them Low PE Stocks, Small Cap Stocks, Stocks With PE Under 20. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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