ORANGE COUNTY BANCORP INC (OBT) Fundamental Analysis & Valuation

NASDAQ:OBT • US68417L1070

31.47 USD
+0.04 (+0.11%)
At close: Mar 10, 2026
31.47 USD
0 (0%)
After Hours: 3/10/2026, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This OBT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall OBT gets a fundamental rating of 5 out of 10. We evaluated OBT against 381 industry peers in the Banks industry. While OBT is still in line with the averages on profitability rating, there are concerns on its financial health. OBT is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

4

1. OBT Profitability Analysis

1.1 Basic Checks

  • OBT had positive earnings in the past year.
  • OBT had a positive operating cash flow in the past year.
  • In the past 5 years OBT has always been profitable.
  • OBT had a positive operating cash flow in 4 of the past 5 years.
OBT Yearly Net Income VS EBIT VS OCF VS FCFOBT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.38%, OBT belongs to the top of the industry, outperforming 84.78% of the companies in the same industry.
  • OBT's Return On Equity of 13.46% is amongst the best of the industry. OBT outperforms 88.98% of its industry peers.
Industry RankSector Rank
ROA 1.38%
ROE 13.46%
ROIC N/A
ROA(3y)1.29%
ROA(5y)1.18%
ROE(3y)15.83%
ROE(5y)15.35%
ROIC(3y)N/A
ROIC(5y)N/A
OBT Yearly ROA, ROE, ROICOBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • OBT's Profit Margin of 29.90% is fine compared to the rest of the industry. OBT outperforms 76.38% of its industry peers.
  • OBT's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for OBT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.55%
PM growth 5Y11%
GM growth 3YN/A
GM growth 5YN/A
OBT Yearly Profit, Operating, Gross MarginsOBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. OBT Health Analysis

2.1 Basic Checks

  • OBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OBT has more shares outstanding than it did 1 year ago.
  • OBT has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for OBT is higher compared to a year ago.
OBT Yearly Shares OutstandingOBT Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
OBT Yearly Total Debt VS Total AssetsOBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • The Debt to FCF ratio of OBT is 0.61, which is an excellent value as it means it would take OBT, only 0.61 years of fcf income to pay off all of its debts.
  • OBT has a better Debt to FCF ratio (0.61) than 78.22% of its industry peers.
  • OBT has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
  • OBT has a better Debt to Equity ratio (0.09) than 69.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.61
Altman-Z N/A
ROIC/WACCN/A
WACC10.7%
OBT Yearly LT Debt VS Equity VS FCFOBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OBT Yearly Current Assets VS Current LiabilitesOBT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. OBT Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.70% over the past year.
  • The Earnings Per Share has been growing by 25.70% on average over the past years. This is a very strong growth
  • Looking at the last year, OBT shows a quite strong growth in Revenue. The Revenue has grown by 18.07% in the last year.
  • The Revenue has been growing by 16.15% on average over the past years. This is quite good.
EPS 1Y (TTM)24.7%
EPS 3Y12.38%
EPS 5Y25.7%
EPS Q2Q%47.62%
Revenue 1Y (TTM)18.07%
Revenue growth 3Y12.19%
Revenue growth 5Y16.15%
Sales Q2Q%20.62%

3.2 Future

  • OBT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.02% yearly.
  • The Revenue is expected to grow by 9.89% on average over the next years. This is quite good.
EPS Next Y10.07%
EPS Next 2Y12.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.83%
Revenue Next 2Y9.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
OBT Yearly Revenue VS EstimatesOBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
OBT Yearly EPS VS EstimatesOBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. OBT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.22, which indicates a very decent valuation of OBT.
  • Based on the Price/Earnings ratio, OBT is valued a bit cheaper than the industry average as 73.23% of the companies are valued more expensively.
  • OBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.25.
  • A Price/Forward Earnings ratio of 9.28 indicates a reasonable valuation of OBT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OBT indicates a somewhat cheap valuation: OBT is cheaper than 67.72% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.39. OBT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.22
Fwd PE 9.28
OBT Price Earnings VS Forward Price EarningsOBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 63.25% of the companies in the same industry are more expensive than OBT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.52
EV/EBITDA N/A
OBT Per share dataOBT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as OBT's earnings are expected to grow with 12.02% in the coming years.
PEG (NY)1.01
PEG (5Y)0.4
EPS Next 2Y12.02%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. OBT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.25%, OBT has a reasonable but not impressive dividend return.
  • OBT's Dividend Yield is slightly below the industry average, which is at 2.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, OBT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.25%

5.2 History

  • On average, the dividend of OBT grows each year by 8.79%, which is quite nice.
  • OBT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As OBT did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.79%
Div Incr Years3
Div Non Decr Years6
OBT Yearly Dividends per shareOBT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • OBT pays out 16.82% of its income as dividend. This is a sustainable payout ratio.
  • OBT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP16.82%
EPS Next 2Y12.02%
EPS Next 3YN/A
OBT Yearly Income VS Free CF VS DividendOBT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
OBT Dividend Payout.OBT Dividend Payout, showing the Payout Ratio.OBT Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

OBT Fundamentals: All Metrics, Ratios and Statistics

ORANGE COUNTY BANCORP INC

NASDAQ:OBT (3/10/2026, 8:00:03 PM)

After market: 31.47 0 (0%)

31.47

+0.04 (+0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners55.45%
Inst Owner ChangeN/A
Ins Owners12.8%
Ins Owner Change0.34%
Market Cap420.75M
Revenue(TTM)127.20M
Net Income(TTM)36.35M
Analysts82.86
Price Target38.76 (23.16%)
Short Float %0.42%
Short Ratio0.94
Dividend
Industry RankSector Rank
Dividend Yield 2.25%
Yearly Dividend0.47
Dividend Growth(5Y)8.79%
DP16.82%
Div Incr Years3
Div Non Decr Years6
Ex-Date03-04
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.54%
Min EPS beat(2)-15.21%
Max EPS beat(2)8.14%
EPS beat(4)2
Avg EPS beat(4)-1.04%
Min EPS beat(4)-15.21%
Max EPS beat(4)14.13%
EPS beat(8)5
Avg EPS beat(8)-3.96%
EPS beat(12)8
Avg EPS beat(12)-1.14%
EPS beat(16)10
Avg EPS beat(16)-1.81%
Revenue beat(2)2
Avg Revenue beat(2)10.51%
Min Revenue beat(2)10.24%
Max Revenue beat(2)10.78%
Revenue beat(4)4
Avg Revenue beat(4)6.53%
Min Revenue beat(4)2.5%
Max Revenue beat(4)10.78%
Revenue beat(8)7
Avg Revenue beat(8)4.95%
Revenue beat(12)10
Avg Revenue beat(12)4.08%
Revenue beat(16)13
Avg Revenue beat(16)3.76%
PT rev (1m)22.58%
PT rev (3m)26.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.46%
EPS NY rev (1m)6.9%
EPS NY rev (3m)7.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.61%
Revenue NY rev (1m)4%
Revenue NY rev (3m)6.21%
Valuation
Industry RankSector Rank
PE 10.22
Fwd PE 9.28
P/S 3.46
P/FCF 10.52
P/OCF 9.8
P/B 1.56
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)3.08
EY9.79%
EPS(NY)3.39
Fwd EY10.77%
FCF(TTM)2.99
FCFY9.51%
OCF(TTM)3.21
OCFY10.2%
SpS9.09
BVpS20.2
TBVpS19.76
PEG (NY)1.01
PEG (5Y)0.4
Graham Number37.42
Profitability
Industry RankSector Rank
ROA 1.38%
ROE 13.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.9%
GM N/A
FCFM 32.92%
ROA(3y)1.29%
ROA(5y)1.18%
ROE(3y)15.83%
ROE(5y)15.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.55%
PM growth 5Y11%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.61
Debt/EBITDA N/A
Cap/Depr 150.78%
Cap/Sales 2.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 110.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC10.7%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.7%
EPS 3Y12.38%
EPS 5Y25.7%
EPS Q2Q%47.62%
EPS Next Y10.07%
EPS Next 2Y12.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.07%
Revenue growth 3Y12.19%
Revenue growth 5Y16.15%
Sales Q2Q%20.62%
Revenue Next Year11.83%
Revenue Next 2Y9.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y9.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y13.57%
OCF growth 3YN/A
OCF growth 5YN/A

ORANGE COUNTY BANCORP INC / OBT FAQ

What is the fundamental rating for OBT stock?

ChartMill assigns a fundamental rating of 5 / 10 to OBT.


Can you provide the valuation status for ORANGE COUNTY BANCORP INC?

ChartMill assigns a valuation rating of 6 / 10 to ORANGE COUNTY BANCORP INC (OBT). This can be considered as Fairly Valued.


How profitable is ORANGE COUNTY BANCORP INC (OBT) stock?

ORANGE COUNTY BANCORP INC (OBT) has a profitability rating of 4 / 10.


What are the PE and PB ratios of ORANGE COUNTY BANCORP INC (OBT) stock?

The Price/Earnings (PE) ratio for ORANGE COUNTY BANCORP INC (OBT) is 10.22 and the Price/Book (PB) ratio is 1.56.


Can you provide the financial health for OBT stock?

The financial health rating of ORANGE COUNTY BANCORP INC (OBT) is 3 / 10.