Symbols / OBT Stock $32.72 -1.36% Orange County Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
OBT (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Michael J. Gilfeather
Exch · Country NCM · United States
Market Cap 438.71M
Enterprise Value 215.75M
Income 44.19M
Sales 124.19M
FCF (ttm) —
Book/sh 21.75
Cash/sh 19.21
Employees 235
Insider 10d —
IPO Oct 15, 2003
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 18.18%
P/E 9.60
Forward P/E 8.53
PEG —
P/S 3.53
P/B 1.50
P/C —
EV/EBITDA —
EV/Sales 1.74
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.41
EPS next Y 3.83
EPS Growth 10.00%
Revenue Growth 17.00%
EPS Gr Q/Q 29.60%
Rev Gr Q/Q —
Earnings (next) 2026-04-29
Earnings (prior) 2026-04-29
ROA 1.68%
ROE 17.93%
ROIC —
Gross Margin 0.00%
Oper. Margin 46.11%
Profit Margin 35.59%
Shs Outstand 13.41M
Shs Float 10.73M
Insider Own 8.23%
Instit Own 54.57%
Short Float 0.57%
Short Ratio 0.88
Short Interest 70.58K
52W High 37.99
vs 52W High -13.87%
52W Low 22.84
vs 52W Low 43.26%
Beta 0.45
Impl. Vol. —
Rel Volume 0.58
Avg Volume 59.99K
Volume 34.52K
Target (mean) $39.00
Tgt Median $39.00
Tgt Low $38.00
Tgt High $40.00
# Analysts 2
Recom Strong_buy
Prev Close $33.17
Price $32.72
Change -1.36%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$39.00
Mean price target
2. Current target
$32.72
Latest analyst target
3. DCF / Fair value
$51.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$32.72
Low
$38.00
High
$40.00
Mean
$39.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-05 main Piper Sandler Overweight → Overweight $36
2025-12-10 main Piper Sandler Overweight → Overweight $31
2025-07-31 main Piper Sandler Overweight → Overweight $29
2024-12-13 main Piper Sandler Overweight → Overweight $71
2024-10-31 main Piper Sandler Overweight → Overweight $66
2024-08-01 main Piper Sandler Overweight → Overweight $69
2023-10-26 main Piper Sandler Overweight → Overweight $51
2021-02-12 init Piper Sandler — → Overweight $35
2020-06-30 init Stephens & Co. — → Overweight $29
News
RSS: Latest OBT news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-19 GILFEATHER MICHAEL J Chief Executive Officer — 200 $31.25 $6,250
2026-03-19 RUHL JOSEPH A. Officer — 5,133 $0.00 $0
2026-03-19 JONES ELIZABETH A Chief Operating Officer — 3,792 $0.00 $0
2026-03-19 GILFEATHER MICHAEL J Chief Executive Officer — 26,291 $0.00 $0
2026-03-19 LESLER MICHAEL Chief Financial Officer — 5,059 $0.00 $0
2026-03-19 ROONEY STEPHEN F Officer — 2,812 $0.00 $0
2026-03-19 DINEEN DAVID P Officer — 4,333 $0.00 $0
2026-03-19 SOUSA GREGORY Officer — 5,056 $0.00 $0
2026-03-19 LISTNER MICHAEL Officer — 2,827 $0.00 $0
2026-02-19 KEANE KEVIN J Director — 866 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
127.11
+18.11%
107.62
+5.84%
101.69
+13.15%
89.87
Operating Revenue
127.11
+18.11%
107.62
+5.84%
101.69
+13.15%
89.87
Selling General And Administration
42.55
+5.46%
40.35
+9.95%
36.70
+13.93%
32.21
Selling And Marketing Expense
1.97
+25.27%
1.57
-4.95%
1.66
+3.50%
1.60
General And Administrative Expense
40.58
+4.66%
38.77
+10.66%
35.04
+14.48%
30.61
Salaries And Wages
39.26
+4.79%
37.47
+11.38%
33.64
+15.21%
29.20
Other Gand A
—
—
—
—
Reconciled Depreciation
1.83
-6.06%
1.95
-0.97%
1.97
+16.13%
1.69
Total Unusual Items
1.24
0.00
—
—
Total Unusual Items Excluding Goodwill
1.24
0.00
—
—
Net Income
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Pretax Income
51.56
+48.07%
34.82
-6.27%
37.15
+22.70%
30.28
Net Interest Income
104.06
+13.39%
91.77
+3.82%
88.39
+13.19%
78.09
Interest Expense
30.93
-12.79%
35.46
+20.70%
29.38
+378.88%
6.13
Interest Income
134.98
+6.10%
127.23
+8.03%
117.77
+39.83%
84.22
Gain On Sale Of Security
-0.57
0.00
-100.00%
0.11
0.00
Tax Provision
9.94
+43.36%
6.93
-9.59%
7.67
+29.71%
5.91
Tax Rate For Calcs
0.00
-3.20%
0.00
-3.31%
0.00
+5.64%
0.00
Tax Effect Of Unusual Items
0.24
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Net Income From Continuing Operation Net Minority Interest
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Net Income From Continuing And Discontinued Operation
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Net Income Continuous Operations
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Normalized Income
40.62
+45.67%
27.88
-5.41%
29.48
+20.99%
24.36
Net Income Common Stockholders
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Diluted EPS
3.33
+34.82%
2.47
-5.73%
2.62
+21.02%
2.17
Basic EPS
3.33
+34.82%
2.47
-5.73%
2.62
+21.02%
2.17
Basic Average Shares
12.51
+10.67%
11.30
+0.40%
11.26
+0.13%
11.24
Diluted Average Shares
12.51
+10.67%
11.30
+0.40%
11.26
+0.13%
11.24
Diluted NI Availto Com Stockholders
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Amortization
0.29
+0.00%
0.29
+0.35%
0.28
-0.35%
0.29
Amortization Of Intangibles Income Statement
0.29
+0.00%
0.29
+0.35%
0.28
-0.35%
0.29
Depreciation Amortization Depletion Income Statement
0.29
+0.00%
0.29
+0.35%
0.28
-0.35%
0.29
Depreciation And Amortization In Income Statement
0.29
+0.00%
0.29
+0.35%
0.28
-0.35%
0.29
Insurance And Claims
1.32
+0.92%
1.31
-6.77%
1.40
-0.57%
1.41
Occupancy And Equipment
12.94
+20.47%
10.74
+9.49%
9.81
+5.84%
9.27
Other Non Interest Expense
5.84
-25.05%
7.79
+51.92%
5.13
+20.81%
4.24
Professional Expense And Contract Services Expense
6.19
+4.38%
5.93
+24.78%
4.75
+16.90%
4.07
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,659.38
+5.95%
2,509.93
+0.98%
2,485.47
+8.66%
2,287.33
Cash And Cash Equivalents
204.23
+35.85%
150.33
+2.00%
147.38
+71.21%
86.08
Cash Financial
—
—
—
86.08
Other Short Term Investments
158.34
+9.75%
144.27
-70.55%
489.95
-8.16%
533.46
Receivables
10.38
+55.43%
6.68
+12.57%
5.93
-6.11%
6.32
Accounts Receivable
10.38
+55.43%
6.68
+12.57%
5.93
-6.11%
6.32
Net PPE
15.48
-2.06%
15.81
-2.18%
16.16
+9.64%
14.74
Gross PPE
34.00
+0.66%
33.78
-0.27%
33.87
+8.55%
31.20
Accumulated Depreciation
-18.52
-3.06%
-17.97
-1.47%
-17.71
-7.57%
-16.46
Land And Improvements
4.02
-13.38%
4.64
-0.45%
4.66
+47.87%
3.15
Buildings And Improvements
10.78
-9.47%
11.90
-9.77%
13.19
-3.98%
13.74
Machinery Furniture Equipment
8.79
+5.46%
8.33
+5.52%
7.90
+6.19%
7.44
Leases
10.42
+17.04%
8.90
+9.64%
8.12
+18.11%
6.87
Goodwill And Other Intangible Assets
5.89
-4.63%
6.18
-4.42%
6.47
-4.22%
6.75
Goodwill
5.36
+0.00%
5.36
+0.00%
5.36
+0.00%
5.36
Other Intangible Assets
0.54
-34.84%
0.82
-25.84%
1.11
-20.47%
1.39
Investments And Advances
158.34
+9.75%
144.27
-70.55%
489.95
-8.16%
533.46
Total Liabilities Net Minority Interest
2,375.01
+2.18%
2,324.40
+0.19%
2,320.09
+7.95%
2,149.20
Payables And Accrued Expenses
—
—
—
23.86
Current Accrued Expenses
—
—
—
23.86
Current Debt And Capital Lease Obligation
0.00
-100.00%
113.50
-49.44%
224.50
+70.72%
131.50
Current Debt
0.00
-100.00%
113.50
-49.44%
224.50
+70.72%
131.50
Other Current Borrowings
0.00
-100.00%
113.50
-49.44%
224.50
+70.72%
131.50
Long Term Debt And Capital Lease Obligation
34.55
+16.78%
29.59
+0.24%
29.52
+51.80%
19.45
Long Term Debt
34.55
+16.78%
29.59
+0.24%
29.52
+51.80%
19.45
Stockholders Equity
284.36
+53.27%
185.53
+12.19%
165.38
+19.72%
138.14
Common Stock Equity
284.36
+53.27%
185.53
+12.19%
165.38
+19.72%
138.14
Capital Stock
3.34
+17.66%
2.84
+0.00%
2.84
+0.00%
2.84
Common Stock
3.34
+17.66%
2.84
+0.00%
2.84
+0.00%
2.84
Share Issued
13.38
+17.68%
11.37
+0.00%
11.37
+0.00%
11.37
Ordinary Shares Number
13.37
+17.78%
11.35
+0.42%
11.30
+0.15%
11.29
Treasury Shares Number
0.01
-51.26%
0.02
-74.29%
0.06
-21.36%
0.08
Additional Paid In Capital
164.59
+36.14%
120.90
+0.42%
120.39
+0.24%
120.11
Retained Earnings
164.43
+26.57%
129.92
+21.01%
107.36
+26.85%
84.64
Gains Losses Not Affecting Retained Earnings
-47.81
+29.44%
-67.75
-5.68%
-64.11
+5.99%
-68.20
Treasury Stock
0.20
-46.93%
0.38
-66.25%
1.11
-11.12%
1.25
Other Equity Adjustments
-47.81
+29.44%
-67.75
-5.68%
-64.11
+5.99%
-68.20
Total Equity Gross Minority Interest
284.36
+53.27%
185.53
+12.19%
165.38
+19.72%
138.14
Total Capitalization
318.92
+48.25%
215.12
+10.38%
194.90
+23.68%
157.59
Invested Capital
318.92
-2.95%
328.62
-21.64%
419.40
+45.08%
289.08
Total Debt
34.55
-75.85%
143.09
-43.67%
254.02
+68.28%
150.95
Net Debt
—
—
106.64
+64.40%
64.87
Net Tangible Assets
278.47
+55.27%
179.35
+12.86%
158.91
+20.95%
131.39
Tangible Book Value
278.47
+55.27%
179.35
+12.86%
158.91
+20.95%
131.39
Cash Cash Equivalents And Federal Funds Sold
210.15
+31.30%
160.05
-1.15%
161.91
+69.28%
95.64
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
43.85
+26.72%
34.60
-22.24%
44.50
+45.98%
30.48
Cash Flow From Continuing Operating Activities
43.85
+26.72%
34.60
-22.24%
44.50
+45.98%
30.48
Net Income From Continuing Operations
41.61
+49.25%
27.88
-5.41%
29.48
+20.99%
24.36
Depreciation Amortization Depletion
1.83
-6.06%
1.95
-0.97%
1.97
+16.13%
1.69
Depreciation
1.54
-7.10%
1.66
-1.19%
1.68
+19.47%
1.41
Amortization Cash Flow
0.29
+0.00%
0.29
+0.35%
0.28
-0.35%
0.29
Depreciation And Amortization
1.83
-6.06%
1.95
-0.97%
1.97
+16.13%
1.69
Amortization Of Intangibles
0.29
+0.00%
0.29
+0.35%
0.28
-0.35%
0.29
Other Non Cash Items
-6.45
-115.73%
-2.99
+23.87%
-3.92
+12.33%
-4.48
Stock Based Compensation
1.14
-34.98%
1.76
+101.84%
0.87
+30.19%
0.67
Deferred Tax
0.24
+247.83%
0.07
-33.01%
0.10
+110.75%
-0.96
Deferred Income Tax
0.24
+247.83%
0.07
-33.01%
0.10
+110.75%
-0.96
Operating Gains Losses
-0.67
—
-0.11
—
Gain Loss On Investment Securities
0.57
0.00
+100.00%
-0.11
0.00
Change In Working Capital
-2.50
+12.65%
-2.86
-140.82%
7.01
+452.36%
-1.99
Change In Receivables
-3.70
-396.38%
-0.75
-293.26%
0.39
+19.50%
0.32
Changes In Account Receivables
-3.70
-396.38%
-0.75
-293.26%
0.39
+19.50%
0.32
Change In Other Current Assets
-1.44
+47.12%
-2.73
-185.86%
3.18
+200.00%
-3.18
Change In Other Current Liabilities
2.65
+332.90%
0.61
-82.29%
3.45
+299.77%
0.86
Investing Cash Flow
-74.15
-152.05%
-29.42
+79.70%
-144.92
+66.62%
-434.11
Cash Flow From Continuing Investing Activities
-74.15
-152.05%
-29.42
+79.70%
-144.92
+66.62%
-434.11
Net PPE Purchase And Sale
0.02
+101.45%
-1.31
+57.79%
-3.10
-100.71%
-1.54
Purchase Of PPE
-2.52
-45.43%
-1.73
+51.07%
-3.54
-128.87%
-1.54
Sale Of PPE
2.54
+502.14%
0.42
-3.22%
0.43
0.00
Capital Expenditure
-2.52
-45.43%
-1.73
+51.07%
-3.54
-128.87%
-1.54
Net Investment Purchase And Sale
46.01
+14.06%
40.34
-4.58%
42.28
+129.06%
-145.47
Purchase Of Investment
-22.63
-317.89%
-5.42
+20.84%
-6.84
+96.77%
-211.75
Sale Of Investment
68.65
+50.02%
45.76
-6.85%
49.12
-25.89%
66.28
Net Other Investing Changes
17.29
+259.43%
4.81
+196.90%
-4.96
+32.44%
-7.35
Financing Cash Flow
84.20
+3870.76%
-2.23
-101.38%
161.72
-11.88%
183.53
Cash Flow From Continuing Financing Activities
84.20
+3870.76%
-2.23
-101.38%
161.72
-11.88%
183.53
Net Issuance Payments Of Debt
-108.94
+1.85%
-111.00
-207.77%
103.00
-19.84%
128.50
Issuance Of Debt
24.55
0.00
-100.00%
10.00
0.00
Repayment Of Debt
-20.00
0.00
0.00
+100.00%
-3.00
Long Term Debt Issuance
24.55
0.00
-100.00%
10.00
0.00
Long Term Debt Payments
-20.00
0.00
0.00
+100.00%
-3.00
Net Long Term Debt Issuance
4.55
0.00
-100.00%
10.00
+433.33%
-3.00
Short Term Debt Issuance
—
—
—
131.50
Net Short Term Debt Issuance
-113.50
-2.25%
-111.00
-219.35%
93.00
-29.28%
131.50
Net Common Stock Issuance
43.23
+8445.75%
-0.52
-15.88%
-0.45
-45.13%
-0.31
Common Stock Payments
-0.16
+69.50%
-0.52
-15.88%
-0.45
-45.13%
-0.31
Common Stock Dividend Paid
-7.10
-33.31%
-5.33
-2.58%
-5.19
-11.18%
-4.67
Cash Dividends Paid
-7.10
-33.31%
-5.33
-2.58%
-5.19
-11.18%
-4.67
Repurchase Of Capital Stock
-0.16
+69.50%
-0.52
-15.88%
-0.45
-45.13%
-0.31
Changes In Cash
53.90
+1726.43%
2.95
-95.19%
61.30
+127.85%
-220.10
Beginning Cash Position
150.33
+2.00%
147.38
+71.21%
86.08
-71.89%
306.18
End Cash Position
204.23
+35.85%
150.33
+2.00%
147.38
+71.21%
86.08
Free Cash Flow
41.33
+25.74%
32.87
-19.75%
40.96
+41.56%
28.94
Interest Paid Supplemental Data
30.54
-17.29%
36.92
+34.09%
27.53
+350.03%
6.12
Income Tax Paid Supplemental Data
10.36
+2.52%
10.11
+29.24%
7.82
+7.82%
7.25
Common Stock Issuance
43.39
0.00
—
0.00
Issuance Of Capital Stock
43.39
0.00
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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