Orange County Bancorp (OBT) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Orange County Bancorp

NasdaqCM•Financial Services•Banks - Regional

$38.17-0.55(-0.01%)Pre-market

Market Cap

$515.05M

P/E

10.9x

P/S

3.3x

P/B

1.7x

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. 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; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate 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.

How this company scores

GoodMetricSide Score: 78/100

Strongest: Profitability (22/25); weakest: Growth (16/25).

Profitability22/25

Growth16/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.9x5y range 7.3x – 11.8x

Currently near its 18-quarter median.

P/S · 3.3x5y range 1.8x – 3.3x

Currently above its 18-quarter median.

P/B · 1.7x5y range 1.0x – 2.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 18.3% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $515.05M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $153.87M
Q. Revenue: $33.94M
TTM EBITDA: $54.67M
TTM Op. Income: $52.83M
Q. Op. Income: $11.56M
TTM Net Income: $47.39M
Q. Net Income: $13.66M
EPS: $1.02
Shares Out.: $13.38M

$153.87M in TTM revenue grew 3.3% YoY, reaching $33.94M last quarter. TTM EBITDA of $54.67M and TTM operating income of $52.83M show growth is flowing through to the bottom line. TTM net income of $47.39M means revenue is converting into profit. Over the past year, TTM revenue is up 3% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 81.9%
EBITDA Margin: 34.3%
Op. Margin: 34.1%
Net Margin: 40.2%

Op. margin of 34.1% is up 0.5% YoY — cost efficiency is improving. Net margin at 40.2% and gross margin of 81.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 2% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.9x
P/S Ratio: 3.3x
P/B Ratio: 1.7x

At 10.9x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.7x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.80B
Cash: $334.93M
Long-Term Debt: $34.60M
Book Value: $306.63M
D/E Ratio: 0.1
Debt/EBITDA: 3.0

With $2.80B in assets and $34.60M in long-term debt, D/E is 0.1and book value is $306.63M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $12.58M
TTM Free Cash Flow: $64.67M
FCF Margin: 42.0%
FCF / Net Income: 1.4

TTM FCF of $64.67M on $12.58M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.