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Orange county bancorp, inc.OBT.US Overview

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OBT Recent Performance

2.49%

Orange county bancorp, inc.

0.23%

Avg of Sector

-0.49%

S&P500

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OBT Key Information

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OBT Profile

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. It accepts various deposit products, 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. The company operates 14 full-service branches and one 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.

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OBT FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

OBT Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.10
PE Ratio (TTM)
10.65
Forward PE
-
PS Ratio (TTM)
3.98
PB Ratio
1.67
Price-to-FCF
10.63
METRIC
VALUE
vs. INDUSTRY
Gross Margin
100.00%
Net Margin
34.84%
Revenue Growth (YoY)
19.42%
Profit Growth (YoY)
19.42%
3-Year Revenue Growth
8.11%
3-Year Profit Growth
8.11%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.10
PE Ratio (TTM)
10.65
Forward PE
-
PS Ratio (TTM)
3.98
PB Ratio
1.67
Price-to-FCF
10.63
Gross Margin
100.00%
Net Margin
34.84%
Revenue Growth (YoY)
19.42%
Profit Growth (YoY)
19.42%
3-Year Revenue Growth
8.11%
3-Year Profit Growth
8.11%
  • When is OBT's latest earnings report released?

    The most recent financial report for Orange county bancorp, inc. (OBT) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating OBT's short-term business performance and financial health. For the latest updates on OBT's earnings releases, visit this page regularly.

  • Where does OBT fall in the P/E River chart?

    According to historical valuation range analysis, Orange county bancorp, inc. (OBT)'s current price-to-earnings (P/E) ratio is 10.05, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of OBT?

    According to the latest financial report, Orange county bancorp, inc. (OBT) reported an Operating Profit of 13.66M with an Operating Margin of 43.41% this period, representing a growth of 52.33% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is OBT's revenue growth?

    In the latest financial report, Orange county bancorp, inc. (OBT) announced revenue of 31.47M, with a Year-Over-Year growth rate of 14.72%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does OBT have?

    As of the end of the reporting period, Orange county bancorp, inc. (OBT) had total debt of 34.56M, with a debt ratio of 0.01. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does OBT have?

    At the end of the period, Orange county bancorp, inc. (OBT) held Total Cash and Cash Equivalents of 204.23M, accounting for 0.08 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does OBT go with three margins increasing?

    In the latest report, Orange county bancorp, inc. (OBT) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 43.41%%, and net margin of 39.5%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess OBT's profit trajectory and future growth potential.

  • Is OBT's EPS continuing to grow?

    According to the past four quarterly reports, Orange county bancorp, inc. (OBT)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.94. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of OBT?

    Orange county bancorp, inc. (OBT)'s Free Cash Flow (FCF) for the period is 13.07M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 7.38% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of OBT?

    The latest valuation data shows Orange county bancorp, inc. (OBT) has a Price-To-Earnings (PE) ratio of 10.05 and a Price/Earnings-To-Growth (PEG) ratio of 0.32. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.