Orange County Bank/$OBT
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About Orange County Bank
Orange County Bancorp Inc provides banking services. Its services include personal banking services such as personal loans, personal savings, business loans, business savings, and Internet banking among others. The company provides commercial and consumer banking services to individuals, small businesses, and local municipal governments as well as trust and investment services through the Bank and HVIA. Its segment includes banking and wealth management. The company generates maximum revenue from the banking segment.
Ticker
$OBT
Sector
Primary listing
Employees
225
Headquarters
Website
OBT Metrics
BasicAdvanced
$336M
8.29
$3.03
0.53
$0.64
2.07%
Price and volume
Market cap
$336M
Beta
0.53
52-week high
$28.83
52-week low
$20.97
Average daily volume
24K
Dividend rate
$0.64
Financial strength
Profitability
Net profit margin (TTM)
31.49%
Operating margin (TTM)
41.99%
Effective tax rate (TTM)
22.44%
Revenue per employee (TTM)
$510,000
Management effectiveness
Return on assets (TTM)
1.41%
Return on equity (TTM)
15.69%
Valuation
Price to earnings (TTM)
8.293
Price to revenue (TTM)
2.612
Price to book
1.24
Price to tangible book (TTM)
1.27
Dividend yield (TTM)
2.55%
Forward dividend yield
2.07%
Growth
Revenue change (TTM)
17.74%
Earnings per share change (TTM)
18.38%
3-year revenue growth (CAGR)
15.72%
3-year earnings per share growth (CAGR)
17.89%
10-year earnings per share growth (CAGR)
34.36%
3-year dividend per share growth (CAGR)
8.79%
10-year dividend per share growth (CAGR)
2.31%
Bulls say / Bears say
Orange County Bancorp’s Q2 2025 EPS of $0.87 topped the $0.75 consensus estimate, while net income surged 27.4% year-over-year to $10.5 million, underscoring strong profitability momentum. (The Motley Fool)
Net interest income grew 4.1% year-over-year to $25.1 million in Q2 2025, and non-interest income nearly doubled to $7.3 million, reflecting diversified revenue streams and improved fee generation. (Zacks)
Total deposits and loans expanded by 5.7% and 5.6% respectively in Q2 2025, with deposits reaching $2.3 billion and loans at $1.9 billion, highlighting consistent organic growth in core banking activities. (Zacks)
Non-performing loans rose to $11.7 million (0.61% of total loans) in Q2 2025 from $6.3 million (0.35%) at year-end 2024, indicating a potential uptick in credit risk. (The Motley Fool)
Orange County Bancorp’s Q1 2025 EPS declined 7.2% year-over-year to $0.77, suggesting earnings volatility and reliance on non-recurring gains in the prior period. (Zacks)
The company’s June 2025 public offering of 1.72 million shares at $23.25 per share, aimed to raise $40 million (potentially $46 million with the overallotment), may dilute existing shareholders and weigh on stock performance. (NASDAQ)
Data summarised monthly by Lightyear AI. Last updated on 3 Nov 2025.
OBT News
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FAQs
What’s the current market cap for Orange County Bank stock?
Orange County Bank (OBT) has a market cap of $336M as of November 05, 2025.
What is the P/E ratio for Orange County Bank stock?
The price to earnings (P/E) ratio for Orange County Bank (OBT) stock is 8.29 as of November 05, 2025.
Does Orange County Bank stock pay dividends?
Yes, the Orange County Bank (OBT) stock pays dividends to shareholders. As of November 05, 2025, the dividend rate is $0.64 and the yield is 2.07%. Orange County Bank has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Orange County Bank dividend payment date?
The next Orange County Bank (OBT) dividend payment date is unconfirmed.
What is the beta indicator for Orange County Bank?
Orange County Bank (OBT) has a beta rating of 0.53. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.