Orange County Bancorp, Inc. (OBT) Stock

Orange County Bancorp, Inc. (OBT) is a Financials stock trading at $37.96 (as of 2026-08-21), with a market capitalization of $508.97M and a trailing P/E of 10.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Orange County Bancorp, Inc. and its subsidiaries offer commercial and consumer banking services, including deposits and loans such as commercial real estate, commercial and industrial, residential real estate, and consumer lending. It also provides trust and wealth management services and operates full-service branches in Orange, Westchester, Rockland, and Bronx counties in New York.

Understand Orange County Bancorp, Inc.: how it makes money

Orange County Bancorp provides commercial and consumer banking, plus trust and wealth management services, funded by customer deposits and supported by lending to businesses and real estate borrowers and by managing advisory and trust assets for clients.

Bank profits are driven by the spread between interest earned on loans and the cost of funding those loans with deposits, with additional support from trust and wealth management fees tied to customer assets under management.

Business quality (Solid): Investor view is helped by operating metrics provided for funding (Core Deposits) and credit quality (Non-Performing Loans, Net Charge-Offs to Average Loans), but the provided facts do not include official reportable revenue segments, limiting segment-based conclusions.

Valuation: At 11× earnings, OBT trades 14% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Stable deposit base: Core Deposits are 93.7%, suggesting a large portion of funding comes from deposits that are typically less rate sensitive than wholesale funding.
Diversified banking and fee business: The company reports both Loans (1.95 USD_B) and Wealth Management Assets Under Management or Advisory (1.9 USD_B), indicating income contributions from lending and from trust and wealth management services.

Bear case

Credit performance can change quickly: Non-Performing Loans are 0.03 USD_B and Net Charge-Offs to Average Loans are 0.15%, which highlights that credit losses are a potential risk if economic or borrower conditions deteriorate.
Interest-rate timing exposure: Loans Repricing or Maturing Within One Year or Less are 0.44 USD_B, meaning a portion of the loan book may reprice or mature on a relatively near timeline, which can affect net interest income.

Valuation — source: SEC EDGAR (first-party)
Price	$37.96
Market Cap	$508.97M
P/E Ratio	10.7
EV / EBITDA	3.2
Price / Book	1.66
Price / Sales	3.67
Dividend Yield	1.8%
FCF Yield	12.7%
DCF Value (model)	$80.70
DCF Upside vs Price	112.6%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$134.98M
Net Margin	30.8%
Return on Equity	15.5%
Revenue Growth (YoY)	4.0%
EPS Growth (YoY)	17.2%
FCF Growth (YoY)	-317.0%

Valuation vs Sector & Industry
Stock P/E	10.7
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-28.9%
vs Industry	-17.2%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($60.52M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Michael J. Gilfeather
Employees	225
Country	US
IPO Date	2003-10-15

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.