Orange County Bancorp (OBT) Stock Price, News & Analysis

Company Overview

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and individuals. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers 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, it provides traditional trust and administration, asset management, financial planning, and wealth management services. The company operates full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

Key Stats

• Today's Range: $26.20 to $26.99
• 50-Day Range: $25.77 to $31.81
• 52-Week Range: $20.50 to $33.06
• Volume: 29,154 shs
• Average Volume: 31,547 shs
• Market Capitalization: $301.34 million
• P/E Ratio: 10.37
• Dividend Yield: 1.88%
• Price Target: $35.50
• Consensus Rating: Buy

Orange County Bancorp Stock Analysis - MarketRank™

Orange County Bancorp scored higher than 90% of companies evaluated by MarketBeat, and ranked 114th out of 948 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Orange County Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Orange County Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 13.36%

Earnings Growth

Earnings for Orange County Bancorp are expected to grow by 13.36% in the coming year, from $2.47 to $2.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Orange County Bancorp is 10.37, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 111.22.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orange County Bancorp is 10.37, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.16.

Price to Book Value per Share Ratio

Orange County Bancorp has a P/B Ratio of 1.81. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.13% of the float of Orange County Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Orange County Bancorp has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orange County Bancorp has recently increased by 11.06%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Orange County Bancorp pays a meaningful dividend of 1.88%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Orange County Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Orange County Bancorp is 19.53%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Orange County Bancorp will have a dividend payout ratio of 17.86% next year. This indicates that Orange County Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.13% of the float of Orange County Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Orange County Bancorp has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orange County Bancorp has recently increased by 11.06%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Orange County Bancorp insiders have sold 398.33% more of their company's stock than they have bought. Specifically, they have bought $22,268.00 in company stock and sold $110,969.00 in company stock.

Percentage Held by Insiders

10.50% of the stock of Orange County Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

42.55% of the stock of Orange County Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

OBT Stock Analysis - Frequently Asked Questions

How have OBT shares performed this year?

Orange County Bancorp's stock was trading at $27.7850 at the beginning of the year. Since then, OBT stock has decreased by 4.4% and is now trading at $26.55.
View the best growth stocks for 2025 here.

How were Orange County Bancorp's earnings last quarter?

Orange County Bancorp, Inc. (NASDAQ:OBT) released its quarterly earnings data on Wednesday, October, 30th. The company reported $0.29 EPS for the quarter, missing the consensus estimate of $0.72 by $0.43. The company earned $35.61 million during the quarter, compared to analysts' expectations of $26.60 million. Orange County Bancorp had a trailing twelve-month return on equity of 16.37% and a net margin of 20.31%.

When did Orange County Bancorp's stock split?

Orange County Bancorp shares split on Monday, January 13th 2025. The 2-1 split was announced on Thursday, January 2nd 2025. The newly minted shares were distributed to shareholders after the market closes on Sunday, January 12th 2025. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

When did Orange County Bancorp IPO?

Orange County Bancorp (OBT) raised $30 million in an initial public offering (IPO) on Thursday, August 5th 2021. The company issued 900,000 shares at a price of $32.00-$35.00 per share.

Who are Orange County Bancorp's major shareholders?

Orange County Bancorp's top institutional investors include Hudson Valley Investment Advisors Inc. ADV (10.61%) and Hennessy Advisors Inc. (0.25%). Insiders that own company stock include Michael J Gilfeather, Joseph A Ruhl, Michael J Coulter, Gregory Sousa and Michael Listner.
View institutional ownership trends.

How do I buy shares of Orange County Bancorp?

Shares of OBT stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Orange County Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Orange County Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Arista Networks (ANET), ServiceNow (NOW) and Advanced Micro Devices (AMD).

Company Calendar

• Last Earnings: 10/30/2024
• Ex-Dividend for 12/16 Dividend: 12/04/2024
• Dividend Payable: 12/16/2024
• Today: 1/20/2025
• Next Earnings (Estimated): 1/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OBT
• CUSIP: N/A
• CIK: 1754226
• Web: orangebanktrust.com
• Phone: (845) 341-5000
• Fax: N/A
• Employees: 210
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $35.50
• High Stock Price Target: $35.50
• Low Stock Price Target: $35.50
• Potential Upside/Downside: +33.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $5.12
• Trailing P/E Ratio: 5.19
• Forward P/E Ratio: 5.39
• P/E Growth: N/A
• Net Income: $29.48 million
• Net Margins: 20.31%
• Pretax Margin: 25.74%
• Return on Equity: 16.37%
• Return on Assets: 1.16%

Debt

• Debt-to-Equity Ratio: 0.84
• Current Ratio: 0.89
• Quick Ratio: 0.89

Sales & Book Value

• Annual Sales: $131.19 million
• Price / Sales: 1.15
• Cash Flow: $3.35 per share
• Price / Cash Flow: 7.93
• Book Value: $29.27 per share
• Price / Book: 0.91

Miscellaneous

• Outstanding Shares: 5,670,000
• Free Float: 5,078,000
• Market Cap: $150.54 million
• Optionable: Not Optionable
• Beta: 0.43