OBT Financial Services

Orange County Bancorp, Inc.

$39.52-1.47%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 529.9M USD
Full-time employees: 235

Overall health

Strength: more profitable than most peersmore profitable than peers
Strength: growing faster than most peersgrowing faster than peers
About average: valuation

Ranks #103 of 791 banks & insurance companies (top 14%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 19% from December 2022 to August 2026.
Orange County Bancorp had 19% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Orange County Bancorp had 19% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

StockQuotient Score

68/ 100▼ 2 since Oct 27 close

Oct 5 71 → Nov 4 68 (-3)

Valuation

Is the price right?

46/100

Moderate▼ 5 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 51 → 46

Share price +2.8%-3
Peer companies moved-2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ Earnings yield
▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield57.9%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.76Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.9%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.41Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield12.2%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

85/100

Strong

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth59.9%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 2.47Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth12.3%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth18.1%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

73/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROE
▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.7%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.83Sector median: 0.0117 · MAD: 0.0062

Return on equity15.5%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.21Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Orange County Bancorp

Is Orange County Bancorp getting weaker?: Its latest SEC filing (Aug 10, 2026) showed no major changes. Its overall score is 68/100, down 2 since Oct 28, 2026.
How is Orange County Bancorp valued vs its peers?: Priced about in line with its peers. Valuation scores 46/100 against 950 banks & insurance peers. Earnings yield 8.9% vs a peer median of 7.9% (stronger than 62% of peers).Earnings yield 8.9% vs peers 7.9% (stronger than 62% of peers). Book yield 57.9% vs a peer median of 79.5% (weaker than 72% of peers).Book yield 57.9% vs peers 79.5% (weaker than 72% of peers).
Is Orange County Bancorp growing?: Yes, faster than most of its peers. Growth scores 85/100 against 950 banks & insurance peers. Earnings per share growth 59.9% vs a peer median of 16.0% (stronger than 85% of peers).Earnings per share growth 59.9% vs peers 16.0% (stronger than 85% of peers).
How profitable is Orange County Bancorp?: More profitable than most of its peers. Profitability scores 73/100 against 950 banks & insurance peers. Return on equity 15.5% vs a peer median of 10.7% (stronger than 78% of peers).Return on equity 15.5% vs peers 10.7% (stronger than 78% of peers).
How risky is Orange County Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 10, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Net income (12 months)	44.2M USD	47.4M USD	+7.2%
Free cash flow (12 months)	46.7M USD	64.7M USD	+38.6%
Cash	257.5M USD	334.9M USD	+30.0%
Shares outstanding	13.4M	13.4M	+0.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	1.0%	1.1%	1.2%	1.1%	1.6%	▲ 0.5 pts
Return on equity (ROE)	11.6%	17.6%	17.8%	15.0%	14.6%	▼ 0.4 pts
Debt to equity	0.02×	—	—	—	—	—

OBT price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Strength: growing faster than most peersgrowing faster than peers

About average: valuation

Ranks #103 of 791 banks & insurance companies (top 14%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 19% from December 2022 to August 2026.

Orange County Bancorp had 19% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Orange County Bancorp had 19% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Questions investors ask about Orange County Bancorp

Is Orange County Bancorp getting weaker?

Its latest SEC filing (Aug 10, 2026) showed no major changes. Its overall score is 68/100, down 2 since Oct 28, 2026.

How is Orange County Bancorp valued vs its peers?

Priced about in line with its peers. Valuation scores 46/100 against 950 banks & insurance peers. Earnings yield 8.9% vs a peer median of 7.9% (stronger than 62% of peers).Earnings yield 8.9% vs peers 7.9% (stronger than 62% of peers). Book yield 57.9% vs a peer median of 79.5% (weaker than 72% of peers).Book yield 57.9% vs peers 79.5% (weaker than 72% of peers).

Is Orange County Bancorp growing?

Yes, faster than most of its peers. Growth scores 85/100 against 950 banks & insurance peers. Earnings per share growth 59.9% vs a peer median of 16.0% (stronger than 85% of peers).Earnings per share growth 59.9% vs peers 16.0% (stronger than 85% of peers).

How profitable is Orange County Bancorp?

More profitable than most of its peers. Profitability scores 73/100 against 950 banks & insurance peers. Return on equity 15.5% vs a peer median of 10.7% (stronger than 78% of peers).Return on equity 15.5% vs peers 10.7% (stronger than 78% of peers).

How risky is Orange County Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

44.2M USD

47.4M USD

+7.2%

Free cash flow (12 months)

46.7M USD

64.7M USD

+38.6%

Cash

257.5M USD

334.9M USD

+30.0%

Shares outstanding

13.4M

13.4M

+0.0%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

1.0%

1.1%

1.2%

1.1%

1.6%

▲ 0.5 pts

Return on equity (ROE)

11.6%

17.6%

17.8%

15.0%

14.6%

▼ 0.4 pts

Debt to equity

0.02×

—