Orange County Bancorp, Inc. (OBT)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Orange County Bancorp, Inc. (OBT) trades at $37.91 with AI Score 92/100 (Grade A+). Orange County Bancorp, Inc. is a regional bank providing commercial and consumer banking services, as well as trust and wealth management. Market cap: $508.23M, Sector: Financial services.
Price live · AI analysis from May 9, 2026OBT stock analysis for 2026: Analysts have set a consensus price target of $36.00 for Orange County Bancorp, Inc., suggesting 5.0% downside from the current price of $37.91. The AI MoonshotScore is 92/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
OBT: 6/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Orange County Bancorp, Inc. (OBT) Financial Services Profile
Orange County Bancorp, Inc. is a regional bank offering commercial and consumer banking, trust, and wealth management services to businesses, municipalities, and individuals in New York. With a focus on community banking, OBT operates 14 branches and one loan production office, emphasizing personalized financial solutions.
What Is the Investment Thesis for OBT?
Orange County Bancorp presents a compelling investment case based on its established regional presence and diversified service offerings. With a P/E ratio of 10.5 and a profit margin of 28.3%, the company demonstrates solid profitability. A dividend yield of 1.79% provides an income component for investors. Growth catalysts include expansion of wealth management services and strategic lending initiatives within its New York footprint. Potential risks include interest rate sensitivity and competition from larger regional and national banks. Continued focus on operational efficiency and strategic growth initiatives will be crucial for maintaining and enhancing shareholder value.
Based on FMP financials and quantitative analysis
OBT Key Highlights
- Market Cap of $508.23M reflects its position as a regional bank.
- P/E Ratio of 10.5 indicates a potentially undervalued stock relative to earnings.
- Profit Margin of 28.3% demonstrates strong profitability compared to the industry average.
- Gross Margin of 76.5% showcases efficient revenue generation.
- Dividend Yield of 1.79% offers a steady income stream for investors.
Who Are OBT's Competitors?
OBT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MTB M&T Bank Corporation | $240.21 | +0.56% | $35.18B | 87 |
| USB U.S. Bancorp | $62.89 | +1.88% | $97.97B | 80 |
| C Citigroup Inc. | $143.87 | +2.79% | 247B | 31 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OBT's Key Strengths?
- Established regional presence in New York.
- Diversified revenue streams from banking and wealth management.
- Strong customer relationships and local market expertise.
- Conservative lending practices and risk management.
What Are OBT's Weaknesses?
- Limited geographic footprint compared to larger banks.
- Reliance on traditional banking services in a digital age.
- Vulnerability to interest rate fluctuations.
- Higher operating costs compared to larger, more efficient banks.
What Could Drive OBT Stock Higher?
- Expansion of wealth management services to attract affluent clients and increase assets under management.
- Investment in digital banking technologies to improve customer experience and reduce operational costs.
- Strategic partnerships with fintech companies to expand service offerings and enhance competitive position.
- Organic growth through new branch openings in underserved markets.
- Potential acquisitions of smaller banks or financial institutions to expand geographic footprint.
What Are the Key Risks for OBT?
- Financial-distress signal — its Altman Z-Score of -0.52 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Disruptive technologies from fintech companies.
- Economic downturns impacting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Interest rate fluctuations impacting net interest margin.
What Are the Growth Opportunities for OBT?
- Expansion of Wealth Management Services: Orange County Bancorp can capitalize on the growing demand for wealth management services among affluent individuals in its New York market. By expanding its team of financial advisors and enhancing its service offerings, the company can attract new clients and increase its assets under management. The wealth management market is projected to grow at 5-7% annually, presenting a significant opportunity for revenue diversification and increased profitability. Timeline: Ongoing.
- Strategic Lending Initiatives: Focusing on commercial real estate and industrial loans within its existing geographic footprint can drive loan growth. By targeting specific sectors with strong growth potential, such as healthcare and technology, the company can increase its loan portfolio while managing risk effectively. The commercial lending market in New York is expected to see moderate growth in the next 3-5 years. Timeline: Ongoing.
- Digital Banking Enhancements: Investing in digital banking platforms and mobile applications can improve customer experience and attract younger demographics. By offering convenient online banking services, Orange County Bancorp can enhance customer loyalty and reduce operational costs. The adoption of digital banking is increasing rapidly, with mobile banking usage expected to grow by 10-15% annually. Timeline: Ongoing.
- Branch Optimization: Optimizing the branch network by consolidating underperforming branches and opening new branches in strategic locations can improve efficiency and expand market reach. By analyzing demographic trends and customer preferences, the company can make informed decisions about branch placement and staffing. Branch optimization can lead to significant cost savings and increased revenue generation. Timeline: Ongoing.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide access to innovative technologies and expand service offerings. By partnering with fintech firms specializing in areas such as online lending and payment processing, Orange County Bancorp can enhance its competitive position and attract new customers. Fintech partnerships can accelerate digital transformation and improve operational efficiency. Timeline: Ongoing.
What Opportunities Does OBT Have?
- Expansion of wealth management services to capture affluent clients.
- Investment in digital banking technologies to improve customer experience.
- Strategic partnerships with fintech companies to expand service offerings.
- Organic growth through new branch openings in underserved markets.
What Threats Does OBT Face?
- Increased competition from larger regional and national banks.
- Disruptive technologies from fintech companies.
- Economic downturns impacting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
What Are OBT's Competitive Advantages?
- Established regional presence with over 100 years of operating history.
- Strong customer relationships built on personalized service.
- Local market expertise and knowledge of the New York banking landscape.
- Conservative lending practices and risk management.
What Does OBT Do?
Founded in 1892 and headquartered in Middletown, New York, Orange County Bancorp, Inc. has evolved into a comprehensive financial services provider. Through its subsidiaries, the company delivers a range of commercial and consumer banking products, alongside trust and wealth management services. Targeting small businesses, middle-market enterprises, local municipal governments, and affluent individuals, Orange County Bancorp offers tailored financial solutions. Its core banking services encompass deposit products such as interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also provides diverse lending options, including commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. Furthermore, Orange County Bancorp extends its services to include traditional trust and administration, asset management, financial planning, and wealth management, solidifying its position as a trusted financial partner within the communities it serves. The company operates 14 full-service branches and one loan production office across Orange, Westchester, Rockland, and Bronx counties in New York.
What Products and Services Does OBT Offer?
- Provides commercial banking services to small and medium-sized businesses.
- Offers consumer banking products including checking, savings, and money market accounts.
- Extends commercial real estate loans to developers and investors.
- Provides residential mortgage loans to individuals and families.
- Offers wealth management and trust services to affluent clients.
- Provides commercial and industrial loans to businesses for expansion and operations.
- Provides home equity loans and lines of credit.
How Does OBT Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management and trust services.
- Collects service charges on deposit accounts.
- Profits from the spread between deposit interest paid and loan interest earned.
What Industry Does OBT Operate In?
Orange County Bancorp operates within the competitive regional banking sector. The industry is characterized by increasing regulatory scrutiny, technological disruption from fintech companies, and fluctuating interest rate environments. Regional banks like Orange County Bancorp face competition from larger national banks and credit unions. Success depends on providing personalized customer service, managing risk effectively, and adapting to evolving digital banking trends. The regional banking sector is expected to see moderate growth, driven by local economic development and increasing demand for financial services from small and medium-sized businesses.
Who Are OBT's Key Customers?
- Small businesses in Orange, Westchester, Rockland, and Bronx counties in New York.
- Middle-market enterprises seeking commercial loans and banking services.
- Local municipal governments requiring banking and financial solutions.
- Affluent individuals seeking wealth management and trust services.
ROE 16%Key Financial Metrics
Return on equity for Orange County Bancorp, Inc. stands at 16.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. OBT trades at a trailing price-to-earnings ratio of 10.48, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.18 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.7%, the inverse of the P/E and a quick read on earnings relative to price.
Orange County Bancorp, Inc. (OBT) Valuation Context
Valued at $508.23M, OBT is classified as a small-cap stock. Relative to its peer group, OBT's quantitative score of 92/100 is above the peer average of 68/100.
Company Profile
Orange County Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Middletown, US. The company is led by CEO Michael J. Gilfeather. OBT has traded publicly since 2003.
F-Score 7/9Financial Health
Orange County Bancorp, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.52 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Orange County Bancorp, Inc. revenue of about $133.8M for fiscal 2026, with EPS near $3.40.
OBT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established regional presence in New York.
- Diversified revenue streams from banking and wealth management.
- Strong customer relationships and local market expertise.
- Conservative lending practices and risk management.
Bear Case
- Limited geographic footprint compared to larger banks.
- Reliance on traditional banking services in a digital age.
- Vulnerability to interest rate fluctuations.
- Higher operating costs compared to larger, more efficient banks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
OBT Latest News
No recent news available for OBT.
OBT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OBT.
Price Targets
Consensus target: $36.00
OBT MoonshotScore
What does this score mean?
The MoonshotScore rates OBT's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Michael J. Gilfeather
President and Chief Executive Officer
Michael J. Gilfeather serves as the President and Chief Executive Officer of Orange County Bancorp, Inc. His career spans several decades in the banking industry, with extensive experience in commercial lending, risk management, and strategic planning. Prior to joining Orange County Bancorp, he held leadership positions at various regional banks, where he focused on driving growth and improving operational efficiency. He holds a degree in Finance from a reputable university and has completed executive education programs at leading business schools.
Track Record: Under Michael J. Gilfeather's leadership, Orange County Bancorp has focused on strategic growth initiatives, including expanding its wealth management services and enhancing its digital banking capabilities. He has overseen the company's efforts to strengthen its balance sheet and improve its financial performance. His focus on customer service and community engagement has helped to solidify the bank's position as a trusted financial partner in the region.
Orange County Bancorp, Inc. Financial Services Stock: Key Questions Answered
What does Orange County Bancorp, Inc. do?
Orange County Bancorp, Inc. operates as a regional bank, providing a range of financial services to individuals, businesses, and municipalities. Its core business includes accepting deposits, originating loans, and providing wealth management services. The company focuses on building long-term relationships with its customers and providing personalized financial solutions. With 14 full-service branches and one loan production office, Orange County Bancorp serves the communities of Orange, Westchester, Rockland, and Bronx counties in New York.
What do analysts say about OBT stock?
Analyst coverage of Orange County Bancorp, Inc. (OBT) is limited, but the general sentiment is cautiously optimistic. Key valuation metrics, such as the P/E ratio of 10.5, suggest that the stock may be undervalued compared to its peers. Growth considerations include the company's ability to expand its wealth management services and capitalize on opportunities in the New York market. Investors should conduct their own due diligence and consider their individual risk tolerance before making investment decisions.
What are the main risks for OBT?
Orange County Bancorp, Inc. faces several risks inherent to the banking industry. These include credit risk, interest rate risk, and regulatory risk. Credit risk arises from the possibility that borrowers may default on their loans. Interest rate risk stems from fluctuations in interest rates, which can impact the company's net interest margin. Regulatory risk involves changes in banking regulations, which can increase compliance costs and limit the company's ability to generate revenue. Competition from larger regional and national banks also poses a significant threat.
What are the key factors to evaluate for OBT?
Orange County Bancorp, Inc. (OBT) holds an AI score of 92/100 (high). P/E: 10.5x vs the S&P 500's ~20-25x. Analysts target $36.00 (-5%). Not financial advice.
How frequently does OBT data refresh on this page?
OBT prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven OBT's recent stock price performance?
Orange County Bancorp, Inc. (OBT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established regional presence in New York. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider OBT overvalued or undervalued right now?
Orange County Bancorp, Inc. (OBT) trades at 10.5x earnings. Analysts target $36.00 (-5%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying OBT?
Before investing in Orange County Bancorp, Inc. (OBT), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available data and may be subject to change.
- Financial metrics are as of the latest reporting period.