Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Statistics

Total Valuation

OBT has a market cap or net worth of $330.43 million. The enterprise value is $193.92 million.

Market Cap	330.43M
Enterprise Value	193.92M

Important Dates

The last earnings date was Wednesday, October 29, 2025, after market close.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	Sep 8, 2025

Share Statistics

OBT has 13.37 million shares outstanding. The number of shares has increased by 6.45% in one year.

Current Share Class	13.37M
Shares Outstanding	13.37M
Shares Change (YoY)	+6.45%
Shares Change (QoQ)	+11.37%
Owned by Insiders (%)	12.07%
Owned by Institutions (%)	51.60%
Float	10.59M

Valuation Ratios

The trailing PE ratio is 8.08 and the forward PE ratio is 8.09.

PE Ratio	8.08
Forward PE	8.09
PS Ratio	2.54
Forward PS	2.67
PB Ratio	1.21
P/TBV Ratio	1.24
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	5.34
EV / Sales	1.68
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 15.69%.

Return on Equity (ROE)	15.69%
Return on Assets (ROA)	1.41%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$512,969
Profits Per Employee	$161,547
Employee Count	225
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OBT has paid $10.52 million in taxes.

Income Tax	10.52M
Effective Tax Rate	22.44%

Stock Price Statistics

The stock price has decreased by -13.81% in the last 52 weeks. The beta is 0.53, so OBT's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	-13.81%
50-Day Moving Average	25.35
200-Day Moving Average	25.21
Relative Strength Index (RSI)	48.76
Average Volume (20 Days)	23,064

Short Selling Information

The latest short interest is 94,142, so 0.70% of the outstanding shares have been sold short.

Short Interest	94,142
Short Previous Month	123,524
Short % of Shares Out	0.70%
Short % of Float	0.89%
Short Ratio (days to cover)	2.12

Income Statement

In the last 12 months, OBT had revenue of $115.42 million and earned $36.35 million in profits. Earnings per share was $3.03.

Revenue	115.42M
Gross Profit	115.42M
Operating Income	48.47M
Pretax Income	46.86M
Net Income	36.35M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.03

Balance Sheet

The company has $189.88 million in cash and $56.98 million in debt, giving a net cash position of $132.90 million or $9.94 per share.

Cash & Cash Equivalents	189.88M
Total Debt	56.98M
Net Cash	132.90M
Net Cash Per Share	$9.94
Equity (Book Value)	270.12M
Book Value Per Share	20.21
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	41.99%
Pretax Margin	40.60%
Profit Margin	31.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.52, which amounts to a dividend yield of 2.13%.

Dividend Per Share	$0.52
Dividend Yield	2.13%
Dividend Growth (YoY)	11.96%
Years of Dividend Growth	3
Payout Ratio	17.02%
Buyback Yield	-6.45%
Shareholder Yield	-4.32%
Earnings Yield	11.12%
FCF Yield	n/a

Analyst Forecast

The average price target for OBT is $29.00, which is 17.31% higher than the current price. The consensus rating is "Buy".

Price Target	$29.00
Price Target Difference	17.31%
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