Is Orange County Bancorp, Inc. (OBT) Overvalued?
We dive into why Orange County Bancorp, Inc. (OBT) could be considered overvalued on 2026-08-14, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY 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.
Commentary & Analysis
What You Need to Know About Orange County Bancorp, Inc.'s Q3 Earnings
Orange County Bancorp, Inc.'s fiscal Q3 earnings report was released on Tuesday, July 28. Let's dive in to see if (OBT) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Orange County Bancorp, Inc.'s Q2 Earnings
Orange County Bancorp, Inc.'s fiscal Q2 earnings report was released on Tuesday, April 28. Let's dive in to see if (OBT) missed or beat analyst's expectations.Rosalio Madrigal
Why Orange County Bancorp, Inc.’s (OBT) Stock Is Up 5.37%
As of Thursday, February 05, Orange County Bancorp, Inc.’s OBT share price has surged by 5.37%, which has investors questioning if this is right time to sell.Jenna Brashear
Why Orange County Bancorp, Inc.’s (OBT) Stock Is Up 5.97%
As of Monday, February 02, Orange County Bancorp, Inc.’s OBT share price has surged by 5.97%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | OBT | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $513.3 | $756.4 | 37% |
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| Shares Out (Mil) | 13.4 | 15.4 | 25% |
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| Institutional Ownership | 81.7% | 84.0% | 50% |
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| Float (Mil) | 11.4 | 21.7 | 21% |
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| Beta | 0.42 | 0.44 | 24% |
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| Avg Daily Volume (000s) | 44 | 40 | 27% |
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| Price Change (52-week) |
47.2% | 94.9% | 80% |
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| Growth | OBT | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 16.9% | 7.7% | 77% |
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| Net Income (5yr) | 28.9% | 11.1% | 84% |
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| EPS (5yr) | 20.8% | 10.1% | 69 |
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| Dividends (5yr) | 7.3% | 3.6% | 73% |
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| Cash Flow (5yr) | (16.6%) | (17.1%) | 43% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 3 | 3 | |
| Current EPS | $0.815 | $3.437 | $3.750 | |
| Month Ago EPS | $0.815 | $3.490 | $3.775 | |
| # Rev Up | 1 | 1 | 2 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.865 | $3.400 | $3.835 | |
| Year/Year Chg | (20.2%) | 3.3% | na | |
| Financials | OBT | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $123 | $196 | 28% |
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| Net Income (TTM) (Mil) | $47 | $56 | 54% |
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| EPS (TTM) | $3.547 | $2.500 | 81% |
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| Operating Cash Flow (TTM) (Mil) | $67 | $34 | 48% |
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| Net Cash Flow (TTM) (Mil) | $159 | $2 | 81% |
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| Long-Term Debt (Q1) (Mil) | $35 | $99 | 36% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | OBT | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.67 | 1.27 | 44% |
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| P/E | 10.8 | 12.5 | 20% |
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| Dividend Yield | 1.9% | 2.2% | 75% |
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| PEG (5yr hist) | 0.5 | 1.1 | 26% |
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| Ratios | OBT | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 38.6% | 29.1% | 94% |
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| ROA | 1.8% | 1.1% | 54% |
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| ROE | 16.9% | 11.3% | 74% |
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| Liabilities to Assets | 89.1% | 89.7% | 84% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 9/11/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.8% |
| +/- S&P 500: | +6.3 |
