OBT
Orange County Bancorp, Inc. /DE/
Next earnings Jul 28, 2026 · consensus $0.80 EPS, $33.2M rev
Last earnings +2.5% on 2026-04-28
$36.95
▲ +0.16%$36.95▲ +54.60%
over 1Y
L $22.94EODHDH $37.23
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.2%
1W+2.3%
1M+9.0%
3M+16.6%
YTD+31.6%
1Y+54.6%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Buy
Undemanding valuation (P/E 11.1).
Return on equity 14.6% · latest
The read
Middling fundamentals offset by an attractive price (~242% below fair value) — worth a look on the value angle.
Orange County Bancorp, Inc. /DE/ shows limited reported revenue, and 14.6% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $21.3M | $24.4M | $29.5M | $27.9M | $41.6M |
| Diluted EPS | $4.28 | $4.33 | $2.62 | $2.47 | $3.33 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF12.0
PEG (trailing)0.23
Earnings yield8.4%
FCF yield8.4%
Quality & risk
ROIC (est.)—
Free cash flow$41.3M
Total debt—
Net cash$204M
Capital returns
Buyback yield—
Dividend yield (est.)1.4%
Shareholder yield1.4%
Shares Δ YoY+17.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-25open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗
Frequently asked
- Is Orange County Bancorp, Inc. /DE/ (OBT) a buy?
- OBT currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 11.1).
- What is OBT's fair value?
- A Modified-Graham model based on OBT's SEC fundamentals estimates a fair value of about $126.54. It is an estimate from reported earnings, not a price target.
- Is OBT overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, OBT currently appears undervalued relative to its SEC-grounded earnings power.
- What is Orange County Bancorp, Inc. /DE/'s quality score?
- OBT scores 84/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001754226, latest 10-Q filed 2026-05-11) · EODHD · as of 6/28/2026, 4:26:03 AM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.