Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Statistics

Total Valuation

OBT has a market cap or net worth of $441.16 million. The enterprise value is $272.75 million.

Market Cap	441.16M
Enterprise Value	272.75M

Important Dates

The last earnings date was Wednesday, February 4, 2026, after market close.

Earnings Date	Feb 4, 2026
Ex-Dividend Date	Mar 4, 2026

Share Statistics

OBT has 13.37 million shares outstanding. The number of shares has increased by 10.67% in one year.

Current Share Class	13.37M
Shares Outstanding	13.37M
Shares Change (YoY)	+10.67%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	12.11%
Owned by Institutions (%)	54.73%
Float	10.65M

Valuation Ratios

The trailing PE ratio is 9.92 and the forward PE ratio is 9.83.

PE Ratio	9.92
Forward PE	9.83
PS Ratio	3.70
Forward PS	3.35
PB Ratio	1.56
P/TBV Ratio	1.59
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.55
EV / Sales	2.28
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 17.71%.

Return on Equity (ROE)	17.71%
Return on Assets (ROA)	1.61%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.19%
Revenue Per Employee	$530,916
Profits Per Employee	$184,951
Employee Count	225
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OBT has paid $9.94 million in taxes.

Income Tax	9.94M
Effective Tax Rate	19.28%

Stock Price Statistics

The stock price has increased by +29.16% in the last 52 weeks. The beta is 0.44, so OBT's price volatility has been lower than the market average.

Beta (5Y)	0.44
52-Week Price Change	+29.16%
50-Day Moving Average	31.37
200-Day Moving Average	27.18
Relative Strength Index (RSI)	49.16
Average Volume (20 Days)	78,357

Short Selling Information

The latest short interest is 48,998, so 0.37% of the outstanding shares have been sold short.

Short Interest	48,998
Short Previous Month	79,694
Short % of Shares Out	0.37%
Short % of Float	0.46%
Short Ratio (days to cover)	0.80

Income Statement

In the last 12 months, OBT had revenue of $119.46 million and earned $41.61 million in profits. Earnings per share was $3.33.

Revenue	119.46M
Gross Profit	119.46M
Operating Income	53.16M
Pretax Income	51.56M
Net Income	41.61M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.33

Balance Sheet

The company has $204.23 million in cash and $34.56 million in debt, with a net cash position of $169.68 million or $12.69 per share.

Cash & Cash Equivalents	204.23M
Total Debt	34.56M
Net Cash	169.68M
Net Cash Per Share	$12.69
Equity (Book Value)	284.36M
Book Value Per Share	21.27
Working Capital	-2.13B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	44.50%
Pretax Margin	43.16%
Profit Margin	34.84%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 2.18%.

Dividend Per Share	$0.72
Dividend Yield	2.18%
Dividend Growth (YoY)	27.84%
Years of Dividend Growth	4
Payout Ratio	18.64%
Buyback Yield	-10.67%
Shareholder Yield	-8.49%
Earnings Yield	9.41%
FCF Yield	n/a

Analyst Forecast

The average price target for OBT is $36.00, which is 9.09% higher than the current price. The consensus rating is "Buy".

Price Target	$36.00
Price Target Difference	9.09%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 13, 2025. It was a forward split with a ratio of 2:1.

Last Split Date	Jan 13, 2025
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2