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Orange County Bancorp, Inc. /DE/

Data quality: 83%
OBT
NASDAQ Financial Services Depository Institutions
$34.85
▲ $0.16 (0.46%)
Mkt Cap: 463.22 M
Price
$34.65
Mkt Cap
463.22 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
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Quick Summary

Key Takeaways

Earnings grew 49.25% over the past year
ROE of 15.92% — decent returns on equity
Generating 41.33 M in free cash flow
P/E of 11.13 — trading at a low valuation
PEG of 0.61 suggests growth is underpriced
Cash machine — converts 99.32% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)49.25%
FCF Growth (3Y)0.45%

Quality

Return on Equity
15.92%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|NTM|2027)
11.13 | 8.94 | 8.88
Below sector avg (11.14)
P/B Ratio1.71
EV/EBITDAN/A
Dividend Yield1.79%

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E 11.1 11.1
P/B 1.7 1.2
ROE % 15.9 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

Analyst Price Target

2 analysts
Buy
Current
$34.85
+11.9%
Target
$39.00
$38.00
$39.00
$40.00
Forecast
Forward P/E 8.94
Forward EPS $3.90
EPS Growth (est.) +14.9%
Est. Revenue 146.85 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $3.90
$3.90 – $3.90
 146.85 M 2
FY2026 $3.40
$3.34 – $3.45
 135.45 M 2

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42025 $0.74 $0.93 +26.2%
Q32025 $0.69 $0.75 +8.7%
Q22025 $0.75 $0.87 +16.5%
Q12025 $0.67 $0.77 +14.9%

ETFs Holding This Stock

HISFX HISFX
0.38% weight
HSFNX HSFNX
0.38% weight
SQLV logo SQLV Royce Quant Small-Cap Quality Value ETF
0.21% weight
BDSKX BDSKX
0.17% weight
BDSIX BDSIX
0.17% weight
BDSAX BDSAX
0.17% weight
BDSCX BDSCX
0.17% weight
DGRS logo DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund
0.09% weight
CSGEX CSGEX
0.06% weight
PSGIX PSGIX
0.06% weight

Dividend History

18 yr streak

Yield

1.79%

Payout Ratio

18.62%

Growth (3Y)

11.16%

Growth (5Y)

7.34%

Ex-Date Payment Date Amount Yield
Mar 04, 2026 — $0.18 N/A
Dec 04, 2025 — $0.18 N/A
Sep 08, 2025 — $0.13 N/A
Jun 04, 2025 — $0.13 N/A
Mar 04, 2025 — $0.13 N/A
Dec 04, 2024 — $0.13 N/A
Sep 04, 2024 — $0.12 N/A
Jun 04, 2024 — $0.12 N/A
Mar 01, 2024 — $0.12 N/A
Dec 01, 2023 — $0.12 N/A
Aug 31, 2023 — $0.12 N/A
Jun 01, 2023 — $0.12 N/A
Mar 02, 2023 — $0.12 N/A
Dec 01, 2022 — $0.12 N/A
Sep 01, 2022 — $0.10 N/A
Jun 01, 2022 — $0.10 N/A
Mar 01, 2022 — $0.10 N/A
Dec 02, 2021 — $0.10 N/A
Sep 02, 2021 — $0.10 N/A
Jun 02, 2021 — $0.10 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 49.25% Earnings Growth (3Y) 18.81%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 18.24%
Profitability
Revenue (TTM) N/A Net Income (TTM) 41.61 M
ROE 15.92% ROA 1.59%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 41.33 M
ROIC N/A FCF Growth (3Y) 0.45%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 264.15 M
Dividends
Dividend Yield 1.79% Payout Ratio 18.62%
Dividend Growth (3Y) 11.16% Dividend Growth (5Y) 7.34%
Consecutive Div Years 18 yrs
Valuation
P/E Ratio 11.13 Forward P/E 8.94
P/B Ratio 1.71 P/S Ratio N/A
PEG Ratio 0.61 Forward PEG 0.60
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 3.15 Fwd Earnings Yield 11.19%
FCF Yield 8.92%
Market Cap 463.22 M Enterprise Value 463.22 M
Per Share
EPS (Diluted TTM) 3.33 Revenue / Share N/A
FCF / Share 3.09 OCF / Share 3.28
EPS CAGR (1Y) 34.82% EPS CAGR (5Y) -6.08%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 99.32%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 41.61 M 27.88 M 29.48 M 24.36 M 21.29 M
EPS (Diluted) 3.33 2.47 5.24 4.33 4.28
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 104.06 M 91.77 M 29.38 M 6.14 M 3.97 M
Income Tax 9.94 M 6.94 M 7.67 M 5.91 M 5.39 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.66 B 2.51 B 2.49 B 2.29 B 2.14 B
Total Liabilities 2.38 B 2.32 B 2.32 B 2.15 B 1.96 B
Shareholders' Equity 284.36 M 185.53 M 165.38 M 138.14 M 182.84 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —