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Company Analysis

Orange County Bancorp, Inc. OBT

A comprehensive view of key metrics, scores, and financial health for Orange County Bancorp, Inc.

Overview of Orange County Bancorp, Inc.

OBT NCM
Financial Services Banks - Regional Small Cap
Orange County Bancorp, Inc. (OBT), is a Small Cap company, in the Banks - Regional industry, last closed at $30.51, about 31.3% overvalued vs fair value, +26.2% 1Y return, ranked 562/1004 in sector.
$30.51
-0.65%
As of March 13, 2026
Previous close • Vol 90d: 28.8%
52-Week Range
Market Cap
$420.50M
Enterprise Value
$265.18M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.orangebanktrust.co...
HQ Middletown, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$12
$21
$39
Current: $30.51 -31% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$127.2M
8%%
Interest Expense
$30.9M
Net Interest Income
$91.8M
3.8%%
Total Revenue
$158.1M
46.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.0%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.8M
21.0% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Orange County Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
71
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing OBT's balance between Growth (24.4%), Profitability (38.1%), and Safety (37.6%). Growth 24% Safety 38% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

52th percentile vs peers
53
Key Signals
Asset Growth YoY 5.9% 63p Revenue CAGR 3Y 20.7% 56p Rev Growth YoY 46.9% 40p
Strengths
  • Roe in top 20% of peers (15.9%, 91th percentile)
  • Operating Margin in top 20% of peers (32.6%, 81th percentile)
  • Net Profit Margin in top 20% of peers (26.3%, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

82th percentile vs peers
82
Key Signals
Strengths
Risks
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Safety

81th percentile vs peers
81
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Orange County Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.96
- - -
-31.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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