Stock Scorecard

Stock Summary for Orange County Bancorp Inc (OBT) - $27.34 as of 12/4/2025 5:36:34 AM EST

Total Score

18 out of 30

Safety Score

56 out of 100

Currently on the following lists
None
Tim's Recommendation
Possible 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) 7
Historical Stock Price Rating (Max of 10) 6
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 7
Book Value to Price (Max of 10) 1
Analyst Buy Ratings (Max of 5) 3
Analyst Strong Buy Ratings (Max of 5) 3
Dividend Yield Percentage (Max of 10) 4
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 1
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

Potomac Bancshares (OTCMKTS:PTBS) vs. Orange County Bancorp (NASDAQ:OBT) Financial Contrast - Defense World 10/16/2025 7:15:00 AM
Hudson Valley Investment Advisors rebrands to Orange Investment Advisors, launching a new era of unified financial services - Mid Hudson News 10/12/2025 7:58:00 AM
Orange Bank & Trust to open new Bronx location in 2025 12/4/2024 12:00:00 AM
Orange Bank & Trust Promotes Jennifer Meyer to Vice President and Area Manager/Branch Manager 7/20/2023 7:30:00 PM
Orange Bank & Trust Company Continues Robust Growth 6/15/2023 4:45:00 PM
Grand Opening Sobo & Sobo Monticello Office 6/12/2019 1:01:00 AM

Financial Details for OBT

Company Overview
Ticker OBT
Company Name Orange County Bancorp Inc
Country USA
Description N/A
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 9/30/2025
Next Earnings Date 2/4/2026

Stock Price History
Last Day Price 27.34
Price 4 Years Ago 18.63
Last Day Price Updated 12/4/2025 5:36:34 AM EST
Last Day Volume 16,108
Average Daily Volume 20,339
52-Week High 29.94
52-Week Low 20.62
Last Price to 52 Week Low 32.59%

Valuation Measures
Trailing PE 9.05
Industry PE 17.90
Sector PE 24.06
5-Year Average PE 9.27
Free Cash Flow Ratio 1.92
Industry Free Cash Flow Ratio 6.61
Sector Free Cash Flow Ratio 39.55
Current Ratio Most Recent Quarter 0.27
Total Cash Per Share 14.21
Book Value Per Share Most Recent Quarter 20.21
Price to Book Ratio 1.33
Industry Price to Book Ratio 1.12
Sector Price to Book Ratio 1.92
Price to Sales Ratio Twelve Trailing Months 3.17
Industry Price to Sales Ratio Twelve Trailing Months 3.12
Sector Price to Sales Ratio Twelve Trailing Months 3.85
Analyst Buy Ratings 2
Analyst Strong Buy Ratings 1

Share Statistics
Total Shares Outstanding 13,366,700
Market Capitalization 365,445,578
Institutional Ownership 55.68%

Dividends
Ex-Dividend Date 12/4/2025
Previous Dividend Amount 0.1300
Current Dividend Amount 0.1800
Total Years Dividend Increasing 3
Trailing Annual Dividend Rate 0.57
Trailing Annual Dividend Yield 2.08%
Forward Annual Dividend Rate 0.72
Forward Annual Dividend Yield 2.63%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 1.80%
5-Year Average Dividend Yield 1.89%
1-Year Dividend Growth Rate Percentage 21.28%
3-Year Dividend Growth Rate Percentage 11.32%
5-Year Dividend Growth Rate Percentage 9.26%
All-Time Dividend Growth Rate Percentage 3.61%
Dividend Payout Ratio 18.87%

Income Statement
Quarterly Earnings Growth YOY 164.10%
Annual Earnings Growth -5.41%
Reported EPS 12 Trailing Months 3.02
Reported EPS Past Year 2.39
Reported EPS Prior Year 2.47
Net Income Twelve Trailing Months 35,906,000
Net Income Past Year 27,883,000
Net Income Prior Year 29,478,000
Quarterly Revenue Growth YOY 49.70%
5-Year Revenue Growth 19.98%
Operating Margin Twelve Trailing Months 44.90%

Balance Sheet
Total Cash Most Recent Quarter 189,880,000
Total Cash Past Year 150,334,000
Total Cash Prior Year 147,383,000
Net Cash Position Most Recent Quarter 155,397,000
Net Cash Position Past Year 120,743,000
Long Term Debt Past Year 29,591,000
Long Term Debt Prior Year 29,520,000
Total Debt Most Recent Quarter 34,483,000
Equity to Debt Ratio Past Year 0.86
Equity to Debt Ratio Most Recent Quarter 0.89
Total Stockholder Equity Past Year 185,531,000
Total Stockholder Equity Prior Year 165,376,000
Total Stockholder Equity Most Recent Quarter 270,120,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 40,014,000
Free Cash Flow Per Share Twelve Trailing Months 2.99
Free Cash Flow Past Year 32,873,000
Free Cash Flow Prior Year 40,964,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.57
MACD Signal 0.46
20-Day Bollinger Lower Band 23.14
20-Day Bollinger Middle Band 25.54
20-Day Bollinger Upper Band 27.95
Beta 0.45
RSI 59.12
50-Day SMA 23.94
150-Day SMA 0.00
200-Day SMA 22.71

System
Modified 12/4/2025 5:37:23 AM EST