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Orange County Bancorp(NASDAQ) OBT

Current Price$36.31
Market Cap$498.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+61%
5 Year+146%
1 Year+35%
1 Month+3%
Orange County Bancorp last closing stock price
MetricPriceDate
Last closeUSD 37.192026-07-22
Orange County Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.05%USD 37.212026-07-15
1 month+2.93%USD 36.132026-06-22
3 month+4.91%USD 35.452026-04-23
Year to date+31.69%USD 28.242025-12-31
1 year+35.48%USD 27.452025-07-22
3 year+94.52%USD 19.122023-07-21
5 year+146.02%USD 15.122021-07-22
Since inception+60.53%USD 23.171993-12-31

Orange County Bancorp Financials at a Glance

Market Cap

$498.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$156.24M

Net Income (TTM)

$44.19M

EPS (TTM)

$3.40

P/E Ratio

10.94

Dividend

$0.67

Beta (Volatility)

0.56 (Low)

Price

$36.31

Volume

2,772

Open

$36.60

Previous Close

$37.19

Daily Range

$36.05 - $37.04

52-Week Range

$22.98 - $40.10

Estimated Earnings Date

Aug 5, 2026

OBT News

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Orange County (OBT) Q2 EPS Up 19%

Motley Fool Markets TeamJul 31, 2025

OBT: Motley Fool Moneyball Superscore

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About Orange County Bancorp

Orange County Bancorp helps small businesses and families manage their money.

It provides bank accounts and loans in New York and nearby areas.

The company also helps people plan for their financial future.

What Does the Bank Do?

  • Commercial Real Estate: Loans for retail, office, and multifamily buildings; accounts for about 76% of the loan portfolio.
  • Trust and Wealth: Investment management and estate services; represents about 9% of total 2025 revenue.
  • Business Banking: Deposit products and cash management tools for small to medium-sized enterprises.
  • Private Banking: Personalized financial services for business owners and high-net-worth individuals.

Recent Strategic Moves

  • Expanded the Bronx footprint by opening a second full-service office in September 2025.
  • Raised $46 million in gross proceeds through a public stock offering in June 2025.
  • Entered the Yonkers market with a new Westchester County branch in early 2024.
  • Acquired HVIA, now known as OIA, to provide registered investment advisory services.

What Makes the Company Stand Out

The company operates a specialized trust department focusing on niche areas like special needs and guardianship services. Senior management remains accessible for daily consultations to provide faster loan decisions than larger national competitors.

Checking the Latest Numbers

  • Net income reached $11.3 million in Q1 2026, up 29.6% from Q1 2025.
  • Market capitalization climbed to $427 million in Q1 2026, a 61.1% increase year-over-year.
  • Revenue was $34.4 million in Q1 2026, down 5% from $36.2 million in Q1 2025.
  • Assets under management totaled $1.9 billion as of December 31, 2025.

Bottom Line

Orange County Bancorp has evolved from a traditional local bank into a regional provider of commercial lending and wealth management. Its expansion into wealthier New York counties supports its long-term growth and business diversification.

AI Generated • May 6, 2026

Industry

Banks

Sector

Financials

Employees

235

CEO

Michael J. Gilfeather, MBA

Website

www.orangebanktrust.com

Headquarters

Middletown, NY 10940, US

OBT Financials

Key Financial Metrics (TTM)

Gross Margin

76.50%

Operating Margin

32.44%

Net Income Margin

28.29%

Return on Equity

16.09%

Return on Capital

16.17%

Return on Assets

1.63%

Earnings Yield

9.14%

Dividend Yield

1.80%

Payout Ratio

18.17%

Stock Overview

Market Cap

$498.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

13.41M

Volume

2.77K

Avg. Volume

65.66K

Financials (TTM)

Gross Profit

$119.53M

Operating Income

$50.68M

EBITDA

$52.11M

Operating Cash Flow

$49.24M

Capital Expenditure

-$2.59M

Free Cash Flow

$46.66M

Cash & ST Invst.

$416.51M

Total Debt

$34.58M

Orange County Bancorp Performance Analysis

Orange County Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 96,219,00025.7%
20232023-12-31USD 131,189,00036.3%
20242024-12-31USD 143,199,0009.2%
20252025-12-31USD 158,130,00010.4%
Orange County Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3011.8%
Q32025-09-301.9%
Q42025-12-31-3.1%
Q12026-03-31-14.0%
Orange County Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.171.2%
20232023-12-31USD 2.6220.8%
20242024-12-31USD 2.47-5.8%
20252025-12-31USD 3.3334.9%
Orange County Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3013.0%
Q32025-09-30-13.8%
Q42025-12-3124.0%
Q12026-03-31-8.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$34.42M

-5.0%

Gross Profit

$27.90M

+0.5%

Gross Margin

81.06%

N/A

Market Cap

$498.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.12M

N/A

Employees

235

N/A

Net Income

$11.28M

+29.6%

EBITDA

$10.48M

-10.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$416.51M

+45.0%

Total Debt

$34.58M

-31.0%

Accounts Receivable

$10.99M

-0.1%

Inventory

$0.00

N/A

Long Term Debt

$34.58M

+16.8%

Short Term Debt

$0.00

-100.0%

Return on Assets

1.63%

N/A

Return on Invested Capital

14.24%

N/A

Free Cash Flow

$9.67M

+122.6%

Operating Cash Flow

$10.23M

+111.5%

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Questions About OBT

What is the current price of Orange County Bancorp?

Orange County Bancorp is trading at $36.31 per share.

What is the 52-week range for Orange County Bancorp?

Over the past 52 weeks, Orange County Bancorp has traded between $22.98 and $40.10.

How much debt does Orange County Bancorp have?

As of the most recent reporting period, Orange County Bancorp reported total debt of $34.58M.

How much cash does Orange County Bancorp have on hand?

Orange County Bancorp does not have cash on hand data available.

What is Orange County Bancorp’s dividend yield?

Orange County Bancorp currently has a dividend yield of 1.80%.

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