Orange County Bancorp, Inc. (OBT) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit.
Analysis Summary
Orange County Bancorp, Inc. reported revenue of $158.1M in the most recent fiscal year, growing at a 5-year CAGR of 19.7%. Net income reached $41.6M, with a 28.9% 5-year CAGR.
Trailing-twelve-month margins: gross margin 79.0%, operating margin 34.0%, net margin 31.5%. Free cash flow grew at 31.2% CAGR over 5 years.
At the current price of $38.36, OBT trades at a P/E of 10.65 and an ROE of 16.44%. Market capitalisation stands at $514M.
Balance sheet quality for OBT: current ratio of 0.2, net cash position of $328.0M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $41.3M represents 99% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $38.36 |
| Market Cap | $514M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 10.65 |
| Price / Book | 1.65 |
| EV / EBITDA | 4.08 |
| Dividend Yield | 1.90% |
Profitability
| Return on Equity | 16.44% |
| Return on Invested Capital | 12.45% |
| Return on Assets | 1.69% |
| Gross Margin | 79.01% |
| Operating Margin | 34.01% |
| Net Margin | 31.45% |
Financial Health
| Debt / Equity | 0.11 |
| Current Ratio | 0.31 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| OBT | Orange County Bancorp, Inc. | $513M | 10.65 | 1.65 | 16.4% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | -1.32% |
| 3 months | +2.92% |
| Year-to-date | +34.22% |
| 1 year | +47.27% |
| 3 years | +64.74% |
52-Week Range
| 52-week High | $40.10 |
| 52-week Low | $23.25 |
| Avg Volume (90d) | 61K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-09-04 | $0.1800 | 1.88% |
| 2026-06-04 | $0.1800 | 1.88% |
| 2026-03-04 | $0.1800 | 1.88% |
| 2025-12-04 | $0.1800 | 1.88% |
| 2025-09-08 | $0.1300 | 1.36% |
| 2025-06-04 | $0.1300 | 1.36% |
| 2025-03-04 | $0.1300 | 1.36% |
| 2024-12-04 | $0.2500 | 2.61% |
| 2024-09-04 | $0.2300 | 2.40% |
| 2024-06-04 | $0.2300 | 2.40% |
Related companies: BWFG · FMAO · GCBC · MSBI · MVBF · PBFS · PCB
Explore sector: Financial Services · Banks - Regional
More sections of OBT: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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