Orange County Bancorp Inc

Orange County Bancorp Inc (OBT) Stock Analysis

$37.190

+0.465 (+1.25%)At close

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High
37.568
Open
36.830
VWAP
37.15
Volume
62.95K
Mkt Cap
282.02M
Low
36.680
Amount
2.34M
EV/EBITDA, TTM
3.20

Orange County Bancorp, Inc. is a bank holding company. Through its wholly owned subsidiaries, Orange Bank & Trust Company, a New York state-chartered trust company (the Bank) and Orange Investment Advisors Inc., an investment advisor (HVIA), the Company offers full-service commercial and consumer banking products and services and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments and individuals in the Lower Hudson Valley region, the New York metropolitan area and nearby markets in Connecticut and New Jersey. Its segments include Banking and Wealth Management. The Banking segment involves the delivery of loan and deposit products to its customers through the Bank. The Wealth Management segment, which includes asset management and trust services to individuals and institutions through HVIA and the Bank that provides trust and investment management fee income in its wealth management business segment.

AI analysis of Orange County Bancorp Inc (OBT)

Buy

Orange County Bancorp Inc is a good buy right now due to its strong financial performance and positive growth indicators. The current price is $37.19, and the company reported a 30.6% increase in net income for Q2 2026, reaching $13.7 million. Additionally, the earnings per share rose to $1.02, reflecting a 17.2% increase year-over-year. The analyst target price of $44 suggests a potential upside of approximately 18.2% from the current price, making it an attractive investment opportunity.

Valuation Metrics

The current forward P/E ratio for Orange County Bancorp Inc (OBT) is 0.00, compared to its 5-year average forward P/E of 9.09.

Forward P/E

Strongly Undervalued
5Y Average P/E
9.09
Current P/E
0.00
Overvalued
10.06
Undervalued
8.12

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
0.79
Current EV/EBITDA
3.20
Overvalued
2.70
Undervalued
-1.12

Forward P/S

Overvalued
5Y Average P/S
2.75
Current P/S
3.47
Overvalued
3.13
Undervalued
2.38

Alphio AI Price Scenarios for OBT

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%OBT

$32.34

Scenario price

B

Base

Base · 50%OBT

$31.79

Scenario price

B

Bear

Bear · 25%OBT

$27.77

Scenario price

Whales holding OBT

A

Azora Capital LP

+ HoldingOBT

-3.21%

3M Return

Events Timeline

2026-04-28 (ET)

16:50:00

Bank Reports Q1 Book Value Per Share Grows to $21.75

2026-02-04 (ET)

17:00:00

Company Reports Q4 Net Interest Income of $28.3 Million

2025-11-24 (ET)

16:50:28

Orange County Bancorp Increases Cash Dividend to 18 Cents per Share

2025-10-29 (ET)

16:46:44

Orange County Bancorp Announces Q3 Earnings Per Share of 75 Cents, Exceeding Consensus Estimate of 71 Cents

2025-10-08 (ET)

09:05:13

Hudson Valley Investment Advisors Changes Name to Orange Investment Advisors

News

OBT FAQ — answered by Alphio AI

Orange County Bancorp, Inc. is a bank holding company. Through its wholly owned subsidiaries, Orange Bank & Trust Company, a New York state-chartered trust company (the Bank) and Orange Investment Advisors Inc., an investment advisor (HVIA), the Company offers full-service commercial and consumer banking products and services and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments and individuals in the Lower Hudson Valley region, the New York metropolitan area and nearby markets in Connecticut and New Jersey. Its segments include Banking and Wealth Management. The Banking segment involves the delivery of loan and deposit products to its customers through the Bank. The Wealth Management segment, which includes asset management and trust services to individuals and institutions through HVIA and the Bank that provides trust and investment management fee income in its wealth management business segment. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

Orange County Bancorp Inc is a good buy right now due to its strong financial performance and positive growth indicators. The current price is $37.19, and the company reported a 30.6% increase in net income for Q2 2026, reaching $13.7 million. Additionally, the earnings per share rose to $1.02, reflecting a 17.2% increase year-over-year. The analyst target price of $44 suggests a potential upside of approximately 18.2% from the current price, making it an attractive investment opportunity.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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