OBT
Orange County Bancorp, Inc.
OBT's fundamentals are strong: its operating margin rose 6 points to 45% and earnings per share grew 24%. At 11x earnings, it's trading in line with its usual 10x. Analysts expect earnings growth.
OBT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
OBT's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OBT.
OBT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.9x | $33.19 | -17% |
| Fair | 10x | $37.40 | -6.2% |
| Current | 11x | $39.86 | — |
| Forward | 11x | $39.86 | — |
| Expensive | 12x | $43.61 | +9.4% |
Historical ranges are pointers, not guarantees.
OBT's PE is in its expensive range at 10.7x. On analysts' estimates for next year's earnings, today's price would be 10.9x.
OBT Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for OBT, with profitability improving.
OBT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.65 | -2.3% |
| Q3 2026 | $3.74 | +24% |
| Q2 2026 | $3.56 | +39% |
| Q1 2026 | $3.41 | +41% |
| Q4 2025 | $3.33 | +35% |
| Q3 2025 | $3.02 | +18% |
| Q2 2025 | $2.56 | -17% |
| Q1 2025 | $2.42 | -23% |
| Q4 2024 | $2.47 | -5.7% |
OBT earned $3.74 per share over the past year, up 24% from the year before.
OBT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $35.3M | +4.6% |
| Q2 2026 | $27.8M | -14% |
| Q1 2026 | $32.1M | +15% |
| Q4 2025 | $33M | +21% |
| Q3 2025 | $33.7M | +24% |
| Q2 2025 | $32.5M | +16% |
| Q1 2025 | $28M | +11% |
| Q4 2024 | $27.4M | +5.8% |
OBT's revenue is growing: $35M last quarter, up 4.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +10 points |
| Q2 2026 | 42% | -0.3 points |
| Q1 2026 | 45% | +5.1 points |
| Q4 2025 | 41% | +8.6 points |
| Q3 2025 | 39% | +24 points |
| Q2 2025 | 42% | +5.2 points |
| Q1 2025 | 40% | -5.6 points |
| Q4 2024 | 33% | -8.6 points |
OBT's operating margin was 49% last quarter, up 10 points from the same quarter a year ago, near the top of its range since 2021.
OBT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.5M | -11% |
| Q2 2026 | $12.3M | +$18M |
| Q1 2026 | $9.7M | +123% |
| Q4 2025 | $13.1M | +11% |
| Q3 2025 | $29.6M | +197% |
| Q2 2025 | -$5.7M | -162% |
| Q1 2025 | $4.3M | +117% |
| Q4 2024 | $11.7M | -24% |
OBT's free cash flow was $62M over the past year, up 54% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OBT.
OBT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +2.2K shares |
| 1 year | +0.3% | +45.7K shares |
| 3 years | +19% | +2.1M shares |
| 5 years | +27% | +2.9M shares |
OBT has 13M diluted shares, about the same as a year ago.
OBT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -5.7x | Net Cash |
| Q1 2026 | -4.1x | Net Cash |
| Q4 2025 | -3.4x | Net Cash |
| Q3 2025 | -3.4x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -0.5x | Net Cash |
OBT has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OBT.
OBT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.4 | Neutral |
| Stochastic | 70.7 | Neutral |
OBT's weekly RSI is 66 (neutral) and its Stochastic is 71 (neutral).
OBT PE vs Financial Services Sector
| Metric | OBT | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 67 | 63 | 4 pts above |
OBT is trading at 11x earnings, a 18% discount to the Financial Services sector's median of 13x.
OBT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.3 | 4.2% above |
| 20 week MA | $38.2 | 4.4% above |
| 50 week MA | $34.9 | 14% above |
| 100 week MA | $30.2 | 32% above |
| 200 week MA | $27.1 | 47% above |
OBT is in an uptrend: it's above all five of its weekly moving averages, and 47% above its 200-week average.
OBT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $13.6 | -7.3% |
| 2021 | $13.6 | $19.7 | +45% |
| 2022 | $19.7 | $23.3 | +18% |
| 2023 | $23.3 | $30.1 | +29% |
| 2024 | $30.1 | $27.4 | -8.9% |
| 2025 | $27.4 | $28.7 | +4.5% |
| 2026 YTD | $28.7 | $39.9 | +39% |
OBT has finished higher in four of the last six years. It's up 39% so far in 2026.