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Orange County Bancorp, Inc. (OBT)

Financial Services | Banks - Regional | Middletown, United States | NasdaqCM
36.86 USD -0.16 (-0.432%) ⇩ (July 13, 2026, 4 p.m. EDT)
After hours: 36.86
Short-term:★★⯪☆☆Long-term:★★★★☆Dividends:★★★☆☆
Hot Take ↕ | July 11, 2026, 5:14 a.m. EDT

The long-term investment case is compelling, driven by a robust multi-year price trajectory that has climbed 133% over nine years without a recent structural decline. The business demonstrates genuine quality with a 18% return on equity, healthy profit margins, and accelerating earnings growth of nearly 30% year-over-year. While the recent price action shows some volatility and a slight dip below the 50-day moving average, the underlying fundamentals—supported by a fortress-like balance sheet relative to debt and a strong analyst consensus—justify a solid buy rating for the multi-year horizon. On the short end, the momentum is mixed; the stock is trading near its 50-day average with a neutral statistical forecast, suggesting no immediate explosive catalyst, though the gap between the current price and the analyst mean target offers a modest buffer. Regarding income, the dividend yield sits at a respectable 1.8%, but the payout ratio of roughly 18% indicates the company is retaining significant capital for reinvestment rather than maximizing current yield, making it a growth-at-a-reasonable-price story rather than a high-income play.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.046387
AutoETS0.047619
AutoTheta0.068731
AutoARIMA0.148228

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 55%
H-stat 0.10
Ljung-Box p 0.000
Jarque-Bera p 0.177
Excess Kurtosis -1.04
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-03
Last Dividend Date 2026-06-03
Revenue per Share 9.543
Market Cap 494,215,360
Trailing P/E 10.81
Forward P/E 9.64
Beta 0.42
Profit Margins 35.59%
Website https://www.orangebanktrust.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.53% 2.22% 2.04% 2.09%
Dividend History
Date Dividend Yield %
2026-06-04 0.18000 0.528479
2026-03-04 0.18000 0.545124
2025-12-04 0.18000 0.657654
2025-09-08 0.13000 0.489458
2025-06-04 0.13000 0.549915
2025-03-04 0.13000 0.513225
2024-12-04 0.12500 0.425387
2024-09-04 0.11500 0.401887
2024-06-04 0.11500 0.511338
2024-03-01 0.11500 0.515695
2023-12-01 0.11500 0.472376
2023-08-31 0.11500 0.494730
2023-06-01 0.11500 0.733886
2023-03-02 0.11500 0.426716
2022-12-01 0.11500 0.490092
2022-09-01 0.10000 0.570288
2022-06-01 0.10000 0.538938
2022-03-01 0.10000 0.488400
2021-12-02 0.10000 0.519076
2021-09-02 0.10000 0.563539
2021-06-02 0.10000 0.606061
2021-03-02 0.10000 0.683761
2020-12-01 0.10000 0.769231
2020-08-31 0.10000 0.849257
2020-06-01 0.10000 0.798403
2020-02-28 0.10000 0.672269
2019-12-03 0.10000 0.689655
2019-09-03 0.10000 0.733945
2019-06-03 0.10000 0.740741
2019-03-01 0.10000 0.754717
2018-12-04 0.10000 0.801603
2018-09-04 0.10000 0.689655
2018-06-04 0.10500 0.636364
2018-03-02 0.10000 0.358423
2017-12-07 0.10250 0.745455
2017-09-07 0.10250 0.841889
2017-06-06 0.10250 0.874200
2017-03-07 0.10250 0.872340
2016-12-02 0.10250 0.890337
2016-09-07 0.10250 0.880773
2016-06-21 0.10250 0.877944
2015-12-02 0.10250 0.835882
2015-08-21 0.10250 0.854167
2015-05-15 0.10250 0.901099
2014-11-21 0.10250 0.976190
2014-08-15 0.10250 1.043257
2014-05-16 0.10250 1.037975
2014-03-21 0.10250 1.026283
2013-11-29 0.10000 1.012658
2013-08-29 0.09750 0.977444
2013-05-31 0.09750 1.005155
2012-12-21 0.09500 0.962025
2012-11-29 0.09500 0.944099
2012-08-30 0.09500 0.955975
2012-06-01 0.09500 0.968153
2012-03-30 0.09500 0.980645
2011-12-01 0.09000 0.902256
2011-09-01 0.09000 0.900000
2011-06-03 0.09000 0.923077
2011-04-01 0.09000 0.929032
2010-12-02 0.08500 0.897098
2010-09-02 0.08500 0.906667
2010-06-04 0.08500 0.851064
2010-04-01 0.08500 0.850213
2009-12-03 0.08375 0.939428
2009-09-03 0.08375 0.887417
2009-05-29 0.08375 0.837500
2009-04-03 0.08375 0.887417
2008-12-04 0.08250 0.776471
2008-08-28 0.08250 0.680412
2008-06-10 0.08250 0.691099
2008-04-29 0.08250 0.687500
Additional Data
dividendRate 0.67
dividendYield 1.81
exDividendDate 2026-06-04
trailingAnnualDividendRate 0.62
trailingAnnualDividendYield 0.016747704
lastDividendValue 0.18
lastDividendDate 2026-06-04
dividendDate 2026-06-15

Info Dump

Attribute Value
52 Week Change 0.32878685
Address1 212 Dolson Avenue
All Time High 40.1
All Time Low 8.875
Ask 47.61
Ask Size 2
Audit Risk 7
Average Analyst Rating 1.0 - Strong Buy
Average Daily Volume10 Day 114,930
Average Daily Volume3 Month 65,227
Average Volume 65,227
Average Volume10Days 114,930
Beta 0.422
Bid 26.39
Bid Size 2
Board Risk 4
Book Value 21.753
City Middletown
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 36.86
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 37.615
Day Low 36.74
Display Name Orange County Bancorp
Dividend Date 1,781,481,600
Dividend Rate 0.67
Dividend Yield 1.81
Earnings Growth 0.1
Earnings Quarterly Growth 0.296
Earnings Timestamp End 1,777,492,800
Earnings Timestamp Start 1,777,492,800
Ebitda Margins 0.0
Enterprise To Revenue 2.184
Enterprise Value 271,256,352
Eps Current Year 3.405
Eps Forward 3.825
Eps Trailing Twelve Months 3.41
Esg Populated 0
Ex Dividend Date 1,780,531,200
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 35.1216
Fifty Day Average Change 1.7383995
Fifty Day Average Change Percent 0.04949659
Fifty Two Week Change Percent 32.878685
Fifty Two Week High 40.1
Fifty Two Week High Change -3.2399979
Fifty Two Week High Change Percent -0.080797955
Fifty Two Week Low 22.98
Fifty Two Week Low Change 13.880001
Fifty Two Week Low Change Percent 0.60400355
Fifty Two Week Range 22.98 - 40.1
Financial Currency USD
First Trade Date Milliseconds 1,066,224,600,000
Five Year Avg Dividend Yield 1.97
Float Shares 10,709,027
Forward Eps 3.825
Forward P E 9.636601
Full Exchange Name NasdaqCM
Full Time Employees 235
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 124,188,000
Has Pre Post Market Data 1
Held Percent Insiders 0.08225001
Held Percent Institutions 0.54514
Implied Shares Outstanding 13,407,904
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ipo Expected Date 2,021-08-05
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,780,531,200
Last Dividend Value 0.18
Last Fiscal Year End 1,767,139,200
Last Split Date 1,736,726,400
Last Split Factor 2:1
Long Business Summary Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
Long Name Orange County Bancorp, Inc.
Market us_market
Market Cap 494,215,360
Market State PREPRE
Max Age 86,400
Message Board Id finmb_3174270
Most Recent Quarter 1,774,915,200
Net Income To Common 44,194,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 495,824,289
Number Of Analyst Opinions 2
Open 36.94
Operating Cashflow 49,241,000
Operating Margins 0.46106
Overall Risk 6
Payout Ratio 0.18180001
Phone 845 341 5000
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 36.86
Post Market Time 1,783,981,120
Previous Close 37.02
Price Eps Current Year 10.825257
Price Hint 2
Price To Book 1.694479
Price To Sales Trailing12 Months 3.9795742
Profit Margins 0.35586
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key strong_buy
Recommendation Mean 1.0
Region US
Regular Market Change -0.16
Regular Market Change Percent -0.432198
Regular Market Day High 37.615
Regular Market Day Low 36.74
Regular Market Day Range 36.74 - 37.615
Regular Market Open 36.94
Regular Market Previous Close 37.02
Regular Market Price 36.86
Regular Market Time 1,783,972,801
Regular Market Volume 61,548
Return On Assets 0.01679
Return On Equity 0.17929001
Revenue Growth 0.17
Revenue Per Share 9.543
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 13,407,904
Shares Percent Shares Out 0.0081
Shares Short 108,361
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 94,948
Short Name Orange County Bancorp, Inc.
Short Percent Of Float 0.0087
Short Ratio 1.12
Source Interval 15
State NY
Symbol OBT
Target High Price 40.0
Target Low Price 39.0
Target Mean Price 39.5
Target Median Price 39.5
Total Cash 257,538,000
Total Cash Per Share 19.208
Total Debt 34,579,000
Total Revenue 124,188,000
Tradeable 0
Trailing Annual Dividend Rate 0.62
Trailing Annual Dividend Yield 0.016747704
Trailing Eps 3.41
Trailing P E 10.809384
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 30.95475
Two Hundred Day Average Change 5.9052505
Two Hundred Day Average Change Percent 0.19077042
Type Disp Equity
Volume 61,548
Website https://www.orangebanktrust.com
Zip 10,940