ORANGE COUNTY BANCORP INC (OBT) Stock Fundamental Analysis

NASDAQ:OBT • US68417L1070

35.31 USD
+0.3 (+0.86%)
At close: Feb 13, 2026
35.31 USD
0 (0%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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. There are concerns on the financial health of OBT while its profitability can be described as average. OBT is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • OBT had positive earnings in the past year.
  • In the past year OBT had a positive cash flow from operations.
  • OBT had positive earnings in each of the past 5 years.
  • In the past 5 years OBT always reported a positive cash flow from operatings.
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 10M 20M 30M 40M

1.2 Ratios

  • The Return On Assets of OBT (1.38%) is better than 85.04% of its industry peers.
  • The Return On Equity of OBT (13.46%) is better than 89.50% of its industry peers.
Industry RankSector Rank
ROA 1.38%
ROE 13.46%
ROIC N/A
ROA(3y)1.12%
ROA(5y)1.01%
ROE(3y)16.83%
ROE(5y)14.15%
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 5 10 15

1.3 Margins

  • The Profit Margin of OBT (29.90%) is better than 78.74% of its industry peers.
  • In the last couple of years the Profit Margin of OBT has grown nicely.
  • OBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.09%
PM growth 5Y3.66%
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 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • OBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for OBT has been increased compared to 1 year ago.
  • Compared to 5 years ago, OBT has more shares outstanding
  • OBT has a better debt/assets ratio than last year.
OBT Yearly Shares OutstandingOBT Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 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.
  • The Debt to FCF ratio of OBT (0.61) is better 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 Debt to Equity ratio of 0.09. This is in the better half of the industry: OBT outperforms 70.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.61
Altman-Z N/A
ROIC/WACCN/A
WACC10.5%
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 50M 100M 150M

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 5M 10M 15M 20M 25M

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

6

3. Growth

3.1 Past

  • OBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.59%, which is quite good.
  • OBT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.66% yearly.
  • OBT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.41%.
  • Measured over the past years, OBT shows a quite strong growth in Revenue. The Revenue has been growing by 15.20% on average per year.
EPS 1Y (TTM)8.59%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%163.16%
Revenue 1Y (TTM)14.41%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%24.29%

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 13.25% yearly.
  • OBT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.18% yearly.
EPS Next Y23.76%
EPS Next 2Y13.31%
EPS Next 3Y13.25%
EPS Next 5YN/A
Revenue Next Year15.53%
Revenue Next 2Y11.46%
Revenue Next 3Y10.18%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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

5

4. Valuation

4.1 Price/Earnings Ratio

  • OBT is valuated correctly with a Price/Earnings ratio of 12.70.
  • The rest of the industry has a similar Price/Earnings ratio as OBT.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, OBT is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.13 indicates a reasonable valuation of OBT.
  • OBT's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. OBT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.7
Fwd PE 11.13
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

  • OBT's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.8
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • OBT's earnings are expected to grow with 13.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)0.68
EPS Next 2Y13.31%
EPS Next 3Y13.25%

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

6

5. Dividend

5.1 Amount

  • OBT has a Yearly Dividend Yield of 2.11%.
  • Compared to an average industry Dividend Yield of 2.53, OBT is paying slightly less dividend.
  • OBT's Dividend Yield is comparable with the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 2.11%

5.2 History

  • The dividend of OBT is nicely growing with an annual growth rate of 8.79%!
  • OBT has paid a dividend for at least 10 years, which is a reliable track record.
  • OBT has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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 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 2Y13.31%
EPS Next 3Y13.25%
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 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

ORANGE COUNTY BANCORP INC

NASDAQ:OBT (2/13/2026, 8:00:01 PM)

After market: 35.31 0 (0%)

35.31

+0.3 (+0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29
Earnings (Next)03-16
Inst Owners55.72%
Inst Owner ChangeN/A
Ins Owners12.77%
Ins Owner Change-0.06%
Market Cap472.09M
Revenue(TTM)121.56M
Net Income(TTM)36.35M
Analysts82.86
Price Target31.62 (-10.45%)
Short Float %0.55%
Short Ratio1.91
Dividend
Industry RankSector Rank
Dividend Yield 2.11%
Yearly Dividend0.47
Dividend Growth(5Y)8.79%
DP16.82%
Div Incr Years3
Div Non Decr Years6
Ex-DateN/A
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)0%
PT rev (3m)4.49%
EPS NQ rev (1m)0.46%
EPS NQ rev (3m)0.46%
EPS NY rev (1m)0.33%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)2.61%
Revenue NQ rev (3m)2.61%
Revenue NY rev (1m)1.81%
Revenue NY rev (3m)1.81%
Valuation
Industry RankSector Rank
PE 12.7
Fwd PE 11.13
P/S 3.88
P/FCF 11.8
P/OCF 11
P/B 1.75
P/tB 1.79
EV/EBITDA N/A
EPS(TTM)2.78
EY7.87%
EPS(NY)3.17
Fwd EY8.98%
FCF(TTM)2.99
FCFY8.48%
OCF(TTM)3.21
OCFY9.09%
SpS9.09
BVpS20.2
TBVpS19.76
PEG (NY)0.53
PEG (5Y)0.68
Graham Number35.55
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)1.12%
ROA(5y)1.01%
ROE(3y)16.83%
ROE(5y)14.15%
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 3Y-4.09%
PM growth 5Y3.66%
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
WACC10.5%
ROIC/WACCN/A
Cap/Depr(3y)119.99%
Cap/Depr(5y)104.47%
Cap/Sales(3y)2.26%
Cap/Sales(5y)2.13%
Profit Quality(3y)125.21%
Profit Quality(5y)110.62%
High Growth Momentum
Growth
EPS 1Y (TTM)8.59%
EPS 3Y4.65%
EPS 5Y18.66%
EPS Q2Q%163.16%
EPS Next Y23.76%
EPS Next 2Y13.31%
EPS Next 3Y13.25%
EPS Next 5YN/A
Revenue 1Y (TTM)14.41%
Revenue growth 3Y14.08%
Revenue growth 5Y15.2%
Sales Q2Q%24.29%
Revenue Next Year15.53%
Revenue Next 2Y11.46%
Revenue Next 3Y10.18%
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 1Y23.96%
FCF growth 3Y21.43%
FCF growth 5Y22.58%
OCF growth 1Y20.09%
OCF growth 3Y19.42%
OCF growth 5Y20.3%

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 5 / 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 5 / 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 12.7 and the Price/Book (PB) ratio is 1.75.


Can you provide the financial health for OBT stock?

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