Orange County Bank/$OBT
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Orange County Bank
Orange County Bancorp Inc is a community bank holding company providing commercial and consumer banking services to individuals, small businesses, and local governments. It operates through two segments: Banking and Wealth Management. The Banking segment, the primary revenue driver, offers loans such as commercial real estate, construction, commercial & industrial, multifamily, and residential mortgages, along with services like cash management, escrow, deposits, ATMs, and digital banking. The Wealth Management segment provides investment management, trust services (trustee, administrator, custodian), and financial planning and advisory services to individuals and institutions.
- Ticker
- $OBT
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 235
- Headquarters
- Middletown, United States
- Website
- www.orangebanktrust.com
OBT Metrics
BasicAdvanced
$500M
10.78
$3.55
0.42
$0.72
1.88%
Price and volume
Market cap
$500M
Beta
0.42
52-week high
$40.10
52-week low
$23.25
Average daily volume
67K
Dividend rate
$0.72
Financial strength
Dividend payout ratio (TTM)
18.91%
Profitability
Net profit margin (TTM)
38.63%
Operating margin (TTM)
44.24%
Effective tax rate (TTM)
10.29%
Revenue per employee (TTM)
$520,000
Management effectiveness
Return on assets (TTM)
1.75%
Return on equity (TTM)
16.95%
Valuation
Price to earnings (TTM)
10.783
Price to revenue (TTM)
4.166
Price to book
1.63
Price to tangible book (TTM)
1.66
Price to free cash flow (TTM)
7.901
Free cash flow yield (TTM)
12.66%
Free cash flow per share (TTM)
4.841
Dividend yield (TTM)
1.88%
Forward dividend yield
1.88%
Growth
Revenue change (TTM)
16.27%
Earnings per share change (TTM)
38.05%
3-year revenue growth (CAGR)
10.55%
3-year earnings per share growth (CAGR)
10.93%
10-year earnings per share growth (CAGR)
29.63%
3-year dividend per share growth (CAGR)
14.61%
Bulls say / Bears say
Net interest margin widened to 4.44% from 4.06% year on year, while the average cost of deposits fell to 0.96%. That points to stronger earnings power from improved funding economics. (GlobeNewswire)
Deposits grew 5.2% to $2.4 billion, mostly from core accounts, allowing the bank to nearly eliminate higher-cost brokered funding. A larger, lower-cost deposit base gives it a stronger platform to fund lending. (GlobeNewswire)
The loan portfolio stayed near $2.0 billion despite $81.1 million of payoffs in the first half, and management cited a robust quality loan pipeline. If that pipeline converts, loan growth could resume. (GlobeNewswire)
Non-performing loans rose to $22.2 million, or 1.16% of total loans, from $11.1 million at year-end 2025. The increase was mainly tied to a commercial real estate participation loan affected by its parent company’s bankruptcy. (GlobeNewswire)
Q2 earnings included a $5.3 million deferred-tax valuation allowance reversal, while a $4.8 million loan valuation loss also affected results. These unusual items make reported profit less representative of recurring performance. (GlobeNewswire)
Wealth-management assets under management or advice fell 11.4% to $1.7 billion from year-end 2025, and quarterly income from the division declined 5.2% year on year. Continued outflows or staff-related disruption could weaken this source of fee income. (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2026.
OBT Financial Performance
Revenues and expenses
OBT Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing OBT
Fund name | Fund size | $OBT weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.