OBT Stock Analysis: Orange County Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 505m USD | 12M Return: 37.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.07M
EPS Trend: 4.8%
Qual. Beats: 0
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality
Orange County Bancorp, Inc. (OBT) is a regional financial institution headquartered in Middletown, New York, serving the Hudson Valley and Bronx markets. Established in 1892, the company operates through three primary segments: Business Banking, Private Banking, and Trust & Wealth Management. Its core business model relies on generating net interest income by capturing deposits-such as demand, savings, and money market accounts-to fund a diversified loan portfolio focused on commercial real estate, industrial lending, and residential mortgages.
The company also maintains a significant fee-based income stream through asset management, financial planning, and fiduciary services. Regional banks like OBT often focus on relationship-based lending to small and middle-market enterprises, which allows for localized credit underwriting that differs from large national lenders. Investors may find it useful to examine ValueRay for deeper insights into the company’s valuation metrics. This localized footprint enables the bank to leverage specific geographic economic trends within the New York metropolitan area.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial real estate loan concentration in New York metropolitan markets
- Wealth management fee growth from private banking and trust services
- Regional economic stability across Orange and Westchester county service areas
- Asset quality performance within the commercial and industrial loan portfolio
| Net Income: 44.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.35 > 1.0 |
| NWC/Revenue: -1.23k% < 20% (prev -1.39k%; Δ 155.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 49.2m > Net Income 44.2m |
| Net Debt (-381.9m) to EBITDA (52.1m): -7.33 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (13.4m) vs 12m ago 17.83% < -2% |
| Gross Margin: 76.50% > 18% (prev 69.70%; Δ 6.81% > 0.5%) |
| Asset Turnover: 5.93% > 50% (prev 5.65%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 1.74 > 6 (EBIT TTM 50.7m / Interest Expense TTM 29.2m) |
| A: -0.71 (Total Current Assets 427.5m - Total Current Liabilities 2.35b) / Total Assets 2.71b |
| B: 0.06 (Retained Earnings 173.3m / Total Assets 2.71b) |
| C: 0.02 (EBIT TTM 50.7m / Avg Total Assets 2.63b) |
| D: 0.12 (Book Value of Equity 291.7m / Total Liabilities 2.41b) |
| Altman-Z'' = -4.20 = D |
| DSRI: 0.92 (Receivables 11.0m/11.0m, Revenue 156.2m/144.6m) |
| GMI: 0.91 (GM 69.70% / 76.50%) |
| AQI: 0.95 (AQ_t 0.84 / AQ_t-1 0.88) |
| SGI: 1.08 (Revenue 156.2m / 144.6m) |
| TATA: -0.00 (NI 44.2m - CFO 49.2m) / TA 2.71b) |
| Beneish M = -3.14 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 36.49 with a total of 39,249 shares traded. Over the past week, the price has changed by -2.01%, over one month by +5.22%, over three months by +9.68% and over the past year by +37.49%.
Current recommended Stop Loss: 33.90 (which is 7.1% or 2.1 ATR below the current price).
Orange County Bancorp has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy OBT.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 39 | 6.9% |
P/E Trailing = 11.0411
P/S = 4.0649
P/B = 1.7308
Revenue TTM = 156.2m USD
EBIT TTM = 50.7m USD
EBITDA TTM = 52.1m USD
Long Term Debt = 34.6m USD (from longTermDebt, last quarter)
Short Term Debt = 947k USD (from shortTermDebt, last fiscal year)
Debt = 34.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -381.9m USD (calculated: Debt 34.6m - CCE 416.5m)
Enterprise Value = 122.9m USD (504.8m + Debt 34.6m - CCE 416.5m)
Interest Coverage Ratio = 1.74 (Ebit TTM 50.7m / Interest Expense TTM 29.2m)
EV/FCF = 2.63x (Enterprise Value 122.9m / FCF TTM 46.7m)
FCF Yield = 37.97% (FCF TTM 46.7m / Enterprise Value 122.9m)
FCF Margin = 29.86% (FCF TTM 46.7m / Revenue TTM 156.2m)
Net Margin = 28.29% (Net Income TTM 44.2m / Revenue TTM 156.2m)
Gross Margin = 76.50% ((Revenue TTM 156.2m - Cost of Revenue TTM 36.7m) / Revenue TTM)
Gross Margin QoQ = 81.06% (prev 78.66%)
Tobins Q-Ratio = 0.05 (Enterprise Value 122.9m / Total Assets 2.71b)
Interest Expense / Debt = 84.34% (Interest Expense 29.2m / Debt 34.6m)
Taxrate = 19.44% (10.7m / 54.9m)
NOPAT = 40.8m (EBIT 50.7m * (1 - 19.44%))
Current Ratio = 0.18 (Total Current Assets 427.5m / Total Current Liabilities 2.35b)
Debt / Equity = 0.12 (Debt 34.6m / totalStockholderEquity, last quarter 291.7m)
Debt / EBITDA = -7.33 (Net Debt -381.9m / EBITDA 52.1m)
Debt / FCF = -8.19 (Net Debt -381.9m / FCF TTM 46.7m)
Total Stockholder Equity = 274.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.68% (Net Income 44.2m / Total Assets 2.71b)
RoE = 16.09% (Net Income TTM 44.2m / Total Stockholder Equity 274.7m)
RoCE = 16.39% (EBIT 50.7m / Capital Employed (Equity 274.7m + L.T.Debt 34.6m))
RoIC = 11.70% (NOPAT 40.8m / Invested Capital 349.0m)
WACC = 7.98% (E(504.8m)/V(539.4m) * Re(8.53%) + (debt cost/tax rate unavailable))
Discount Rate = 8.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.56 | Cagr: 7.85%
[DCF] Terminal Value 77.97% ; FCFF base≈42.1m ; Y1≈48.2m ; Y5≈71.0m
[DCF] Fair Price = 108.2 (EV 1.07b - Net Debt -381.9m = Equity 1.45b / Shares 13.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 4.83 | EPS CAGR: 0.64% | SUE: 0.32 | # QB: 0
Revenue Correlation: 95.13 | Revenue CAGR: 10.19% | SUE: 0.18 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.79 | Chg30d=-5.39% | Revisions=-40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.86 | Chg30d=-2.26% | Revisions=-40% | Analysts=2
EPS current Year (2026-12-31): EPS=3.40 | Chg30d=+0.15% | Revisions=+25% | GrowthEPS=+2.1% | GrowthRev=+5.2%
EPS next Year (2027-12-31): EPS=3.83 | Chg30d=-1.67% | Revisions=+0% | GrowthEPS=+12.8% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: -30% (up=2, down=5)