OBT
BULLISH
$35.15
Live
Orange County Bancorp, Inc. · NASDAQ
Target $39.0
(+11.0%)
$21.1
52W Range
$37.99
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 16, 2026
Market cap
$469.9M
P/E
10.62
ROE
17.7%
Profit margin
34.8%
Debt/Equity
N/A
Dividend yield
1.75%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
OBT presents a compelling value-growth opportunity, characterized by a stable Piotroski F-Score of 4/9 and a current price ($35.15) trading below its Graham Number ($39.80). The company exhibits exceptional profitability with an ROE of 17.71% and explosive earnings growth (47.3% YoY), significantly outperforming sector averages. While the technical trend score is paradoxically low, the actual price performance shows strong momentum (+63.2% 1Y). The massive gap between the current price and the growth-based intrinsic value ($97.64) suggests significant upside potential.
Key Strengths
Strong earnings growth (47.3% YoY and 73.5% Q/Q)
High ROE (17.71%) compared to sector average (0.13%)
Trading at a discount to Graham Number ($39.80) and Intrinsic Value ($97.64)
Consistent earnings track record with 3/4 recent beats and high average surprise (17.15%)
Very sustainable dividend payout ratio (17.12%)
Key Risks
Moderate financial health as indicated by a Piotroski F-Score of 4/9
Low dividend yield (1.75%) may not attract income-focused investors
Regional bank sector sensitivity to interest rate volatility
Small market capitalization ($0.47B) leading to higher volatility
Contradictory technical trend score (10/100) despite strong price appreciation
AI Fair Value Estimate
Based on comprehensive analysis
$48.5
+38.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
73
Strong
90
95
88
50
40
AI Verdict
Strong Value-Growth Play
Key drivers: Earnings acceleration, Undervaluation relative to Graham/Intrinsic metrics, Superior ROE
Confidence
90%
Value
90/100
Ref P/E 10.62, Graham Number $39.8
Positives
- P/E of 10.62 is significantly lower than sector average
- Price is below Graham Number
Watchpoints
- Price/Book of 1.65 is a slight premium to book
Future
95/100
Ref Growth rates and Forward P/E 9.01
Positives
- Exceptional Q/Q earnings growth of 73.5%
- Strong revenue growth (14.7% YoY)
Watchpoints
No urgent risks highlighted.
Past
88/100
Ref Historical earnings track record
Positives
- Consistent earnings beats over 21 quarters
- Strong 1Y price return of 63.2%
Watchpoints
- One significant earnings miss in Oct 2024
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Stable Piotroski score
Watchpoints
- Piotroski F-Score of 4/9 is only mediocre
- Altman Z-Score not applicable for banking
Dividend
40/100
Ref Yield 1.75%, Payout 17.12%
Positives
- Very low payout ratio (17.12%) suggests room for growth
Watchpoints
- Low dividend yield (1.75%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$35.15
Analyst Target
$39.0
Upside/Downside
+11.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for OBT and closest competitors.
Updated 2026-04-15
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
OBT
Orange County Bancorp, Inc.
Primary
|
+145.2% | +65.9% | +63.2% | +44.6% | +12.3% | +2.7% |
|
BETR
Better Home & Finance Holding Company
Peer
|
-94.5% | -94.4% | +147.6% | +0.8% | -8.9% | -28.7% |
|
DHIL
Diamond Hill Investment Group, Inc.
Peer
|
+40.1% | +19.7% | +41.0% | +29.1% | -0.0% | +0.3% |
|
BSRR
Sierra Bancorp
Peer
|
+54.5% | +134.1% | +40.1% | +22.7% | +3.3% | +2.0% |
|
MEVO
M Evo Global Acquisition Corp II
Peer
|
+0.1% | +0.1% | +0.1% | +0.1% | +0.2% | +0.1% |
OBT
Orange County Bancorp, Inc.
Primary
5Y
+145.2%
3Y
+65.9%
1Y
+63.2%
6M
+44.6%
1M
+12.3%
1W
+2.7%
BET
Better Home & Finance Holding Company
Peer
5Y
-94.5%
3Y
-94.4%
1Y
+147.6%
6M
+0.8%
1M
-8.9%
1W
-28.7%
DHI
Diamond Hill Investment Group, Inc.
Peer
5Y
+40.1%
3Y
+19.7%
1Y
+41.0%
6M
+29.1%
1M
-0.0%
1W
+0.3%
BSR
Sierra Bancorp
Peer
5Y
+54.5%
3Y
+134.1%
1Y
+40.1%
6M
+22.7%
1M
+3.3%
1W
+2.0%
MEV
M Evo Global Acquisition Corp II
Peer
5Y
+0.1%
3Y
+0.1%
1Y
+0.1%
6M
+0.1%
1M
+0.2%
1W
+0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.62
Forward P/E
9.01
PEG Ratio
N/A
P/B Ratio
1.65
P/S Ratio
3.93
EV/Revenue
2.55
EV/EBITDA
N/A
Market Cap
$469.9M
Profitability
Profit margins and return metrics
Profit Margin
34.84%
Operating Margin
44.68%
Gross Margin
N/A
ROE
17.71%
ROA
1.61%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.7%
Earnings Growth
+47.3%
Q/Q Revenue Growth
+20.61%
Q/Q Earnings Growth
+73.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$15.28
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
37.7%
Total Assets
$2.7B
Liabilities
$2.4B
Equity
$0.3B
Debt/Equity
8.35x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
95%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2026-02-04
$0.93
+26.2% surprise
2025-10-30
$0.75
+8.7% surprise
2025-07-30
$0.87
+16.5% surprise
Financial Services Sector Comparison
Comparing OBT against 500 companies in the Financial Services sector
(90 bullish, 207 neutral, 203 bearish)
P/E Ratio
10.62
This Stock
vs
45.14
Sector Avg
-76.5%
(Discount)
Return on Equity (ROE)
17.71%
This Stock
vs
-0.0%
Sector Avg
-413254.5%
(Below Avg)
Profit Margin
34.84%
This Stock
vs
48.63%
Sector Avg
-28.4%
(Weaker)
Revenue Growth
14.7%
This Stock
vs
36.71%
Sector Avg
-60.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
OBT
Orange County Bancorp, Inc.
|
BULLISH | $469.9M | 10.62 | 17.7% | 34.8% | $35.15 | |
|
BETR
Better Home & Finance...
|
BEARISH | $468.33M | - | -% | -100.6% | $28.47 | Compare |
|
DHIL
Diamond Hill Investment Group, Inc.
|
BULLISH | $467.11M | 9.65 | 29.1% | 33.1% | $172.66 | Compare |
|
BSRR
Sierra Bancorp
|
NEUTRAL | $466.63M | 11.13 | 11.7% | 28.4% | $34.61 | Compare |
|
MEVO
M Evo Global Acquisition Corp II
|
BEARISH | $476.81M | - | -% | -% | $9.87 | Compare |
OBT
Orange County...
BULLISH
Mkt Cap
$470M
P/E
10.6
ROE
17.7%
Price
$35.15
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-19 | RUHL JOSEPH A. | Officer | Stock Award | 5,133 | - |
| 2026-03-19 | JONES ELIZABETH A | Chief Operating Officer | Stock Award | 3,792 | - |
| 2026-03-19 | GILFEATHER MICHAEL J | Chief Executive Officer | Stock Award | 26,291 | - |
| 2026-03-19 | GILFEATHER MICHAEL J | Chief Executive Officer | Purchase | 200 | $6,250 |
| 2026-03-19 | LESLER MICHAEL | Chief Financial Officer | Stock Award | 5,059 | - |
| 2026-03-19 | ROONEY STEPHEN F | Officer | Stock Award | 2,812 | - |
| 2026-03-19 | DINEEN DAVID P | Officer | Stock Award | 4,333 | - |
| 2026-03-19 | SOUSA GREGORY | Officer | Stock Award | 5,056 | - |
| 2026-03-19 | LISTNER MICHAEL | Officer | Stock Award | 2,827 | - |
| 2026-02-19 | ROUIS JONATHAN F | Director | Stock Award | 866 | - |
| 2026-02-19 | KEANE KEVIN J | Director | Stock Award | 866 | - |
| 2026-02-19 | KENNEDY MARIANNA R. | Director | Stock Award | 866 | - |
| 2026-02-19 | TIRADO OLGA LUZ | Director | Stock Award | 866 | - |
| 2026-02-19 | SCHILLER JONATHAN | Director | Stock Award | 866 | - |
| 2026-02-19 | ROWLEY RICHARD B | Director | Stock Award | 866 | - |
RUHL JOSEPH A.
Officer
2026-03-19
5,133 shares
JONES ELIZABETH A
Chief Operating Officer
2026-03-19
3,792 shares
GILFEATHER MICHAEL J
Chief Executive Officer
2026-03-19
26,291 shares
GILFEATHER MICHAEL J
Chief Executive Officer
2026-03-19
200 shares
·
$6,250
LESLER MICHAEL
Chief Financial Officer
2026-03-19
5,059 shares
ROONEY STEPHEN F
Officer
2026-03-19
2,812 shares
DINEEN DAVID P
Officer
2026-03-19
4,333 shares
SOUSA GREGORY
Officer
2026-03-19
5,056 shares
LISTNER MICHAEL
Officer
2026-03-19
2,827 shares
ROUIS JONATHAN F
Director
2026-02-19
866 shares
KEANE KEVIN J
Director
2026-02-19
866 shares
KENNEDY MARIANNA R.
Director
2026-02-19
866 shares
TIRADO OLGA LUZ
Director
2026-02-19
866 shares
SCHILLER JONATHAN
Director
2026-02-19
866 shares
ROWLEY RICHARD B
Director
2026-02-19
866 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
2 analysts
Piper Sandler
2026-02-05
Overweight
Overweight
Piper Sandler
2025-12-10
Overweight
Overweight
Past News Coverage
Recent headlines mentioning OBT from our newsroom.
Newest → oldest
No matching news yet.