Stock Scorecard
Stock Summary for Orange County Bancorp Inc (OBT) - $36.27 as of 4/29/2026 4:26:33 AM EST
Total Score
21 out of 30
Safety Score
56 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy
Growth List Algorithm Criteria for OBT
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for OBT
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for OBT
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for OBT
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for OBT (56 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for OBT
Financial Details for OBT
Company Overview |
|
|---|---|
| Ticker | OBT |
| Company Name | Orange County Bancorp Inc |
| Country | USA |
| Description | Orange County Bancorp Inc. (OBT) is a community-oriented financial institution headquartered in Orange County, New York, focused on delivering a diverse suite of banking and financial services tailored to both individual and business clients. With a commitment to fostering community relationships and providing personalized banking solutions, OBT offers a range of products, including personal and commercial loans, deposit accounts, and wealth management services. As a publicly traded company, OBT emphasizes sustainable growth and profitability, positioning itself as a key contributor to regional economic development. Its strategic focus, coupled with a sound risk management approach, makes OBT an attractive investment opportunity for institutional investors seeking exposure within the dynamic regional banking sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/29/2026 |
Stock Price History |
|
| Last Day Price | 36.27 |
| Price 4 Years Ago | 21.78 |
| Last Day Price Updated | 4/29/2026 4:26:33 AM EST |
| Last Day Volume | 50,129 |
| Average Daily Volume | 70,491 |
| 52-Week High | 37.78 |
| 52-Week Low | 22.31 |
| Last Price to 52 Week Low | 62.57% |
Valuation Measures |
|
| Trailing PE | 10.63 |
| Industry PE | 14.97 |
| Sector PE | 42.73 |
| 5-Year Average PE | 7.67 |
| Free Cash Flow Ratio | 2.37 |
| Industry Free Cash Flow Ratio | 14.14 |
| Sector Free Cash Flow Ratio | 20.34 |
| Current Ratio Most Recent Quarter | 226.63 |
| Total Cash Per Share | 15.28 |
| Book Value Per Share Most Recent Quarter | 21.27 |
| Price to Book Ratio | 1.67 |
| Industry Price to Book Ratio | 1.24 |
| Sector Price to Book Ratio | 2.06 |
| Price to Sales Ratio Twelve Trailing Months | 3.97 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.37 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.58 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 13,407,700 |
| Market Capitalization | 486,297,279 |
| Institutional Ownership | 54.62% |
Dividends |
|
| Ex-Dividend Date | 3/4/2026 |
| Previous Dividend Amount | 0.1800 |
| Current Dividend Amount | 0.1800 |
| Total Years Dividend Increasing | 4 |
| Trailing Annual Dividend Rate | 0.62 |
| Trailing Annual Dividend Yield | 1.75% |
| Forward Annual Dividend Rate | 0.72 |
| Forward Annual Dividend Yield | 2.03% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.01% |
| 5-Year Average Dividend Yield | 1.81% |
| 1-Year Dividend Growth Rate Percentage | 26.32% |
| 3-Year Dividend Growth Rate Percentage | 12.39% |
| 5-Year Dividend Growth Rate Percentage | 14.77% |
| All-Time Dividend Growth Rate Percentage | 3.61% |
| Dividend Payout Ratio | 18.62% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 47.30% |
| Annual Earnings Growth | 49.25% |
| Reported EPS 12 Trailing Months | 3.33 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 3.32 |
| Net Income Twelve Trailing Months | 41,614,000 |
| Net Income Past Year | 41,614,000 |
| Net Income Prior Year | 27,883,000 |
| Quarterly Revenue Growth YOY | 14.70% |
| 5-Year Revenue Growth | 19.67% |
| Operating Margin Twelve Trailing Months | 44.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 204,232,000 |
| Total Cash Past Year | 204,232,000 |
| Total Cash Prior Year | 150,334,000 |
| Net Cash Position Most Recent Quarter | 169,677,000 |
| Net Cash Position Past Year | 169,677,000 |
| Long Term Debt Past Year | 34,555,000 |
| Long Term Debt Prior Year | 29,591,000 |
| Total Debt Most Recent Quarter | 34,555,000 |
| Equity to Debt Ratio Past Year | 0.89 |
| Equity to Debt Ratio Most Recent Quarter | 0.89 |
| Total Stockholder Equity Past Year | 284,364,000 |
| Total Stockholder Equity Prior Year | 185,531,000 |
| Total Stockholder Equity Most Recent Quarter | 284,364,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 41,333,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.08 |
| Free Cash Flow Past Year | 41,333,000 |
| Free Cash Flow Prior Year | 32,873,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.44 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 4/29/2026 4:26:33 AM EST |