Orange County Bancorp, Inc.
General ticker "OBT" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $414.4M (TTM average)
Orange County Bancorp, Inc. follows the US Stock Market performance with the rate: 47.2%.
Estimated limits based on current volatility of 1.5%: low 36.38$, high 37.46$
Factors to consider:
- Earnings expected soon, date: 2026-10-28 amc
- Company pays dividends (quarterly): last record date 2026-09-04, amount 0.18$ (Y1.94%)
- Total employees count: 235 (+4.4%) as of 2025
- Top business risk factors: Market concentration, Commercial real estate, Loan delinquencies, Interest rate risk, Regulatory and compliance
- Current price 14.6% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [24.34$, 32.46$]
- 2026-12-31 to 2027-12-31 estimated range: [24.62$, 33.12$]
Financial Metrics affecting the OBT estimates:
- Positive: with PPE of 8.6 at the end of fiscal year the price was neutral
- Positive: 11.37 < Operating cash flow per share per price, % of 12.22
- Positive: Operating profit margin, % of 40.53 > 33.79
- Positive: 7.04 < Shareholder equity ratio, % of 10.69 <= 12.78
- Negative: Return on assets ratio (scaled to [-100,100]) of 1.54 <= 1.88
- Negative: 0 < Industry inventory ratio change (median), % of 0
- Positive: -40.59 < Investing cash flow per share per price, % of -20.67
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
Short-term OBT quotes
Long-term OBT plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $101.00MM | $107.74MM | $127.20MM |
| Operating Expenses | $65.47MM | $72.85MM | $75.65MM |
| Operating Income | $35.53MM | $34.88MM | $51.56MM |
| Non-Operating Income | $1.62MM | $-0.07MM | $0.00MM |
| Interest Expense | $29.38MM | $35.46MM | $30.93MM |
| Income(Loss) | $37.15MM | $34.82MM | $51.56MM |
| Taxes | $7.67MM | $6.93MM | $9.94MM |
| Net Income(Loss)* | $29.48MM | $27.88MM | $41.61MM |
| Stockholders Equity | $165.38MM | $185.53MM | $284.36MM |
| Assets | $2,485.47MM | $2,509.93MM | $2,659.38MM |
| Operating Cash Flow | $44.50MM | $34.60MM | $43.85MM |
| Capital expenditure | $3.54MM | $1.73MM | $2.52MM |
| Investing Cash Flow | $-144.92MM | $-29.42MM | $-74.15MM |
| Financing Cash Flow | $161.72MM | $-2.23MM | $84.20MM |
| Earnings Per Share** | $2.62 | $2.47 | $3.33 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.