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OBT
Upturn stock ratingUpturn stock rating

Orange County Bancorp Inc (OBT)

Upturn stock ratingUpturn stock rating
$25.84
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: OBT (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $29.83

1 Year Target Price $29.83

Analysts Price Target For last 52 week
$29.83Target price
Low$20.86
Current$25.84
high$32.57

Analysis of Past Performance

Type Stock
Historic Profit -7.97%
Avg. Invested days 40
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 345.28M USD
Price to earnings Ratio 10.68
1Y Target Price 29.83
Price to earnings Ratio 10.68
1Y Target Price 29.83
Volume (30-day avg) 3
Beta 0.51
52 Weeks Range 20.86 - 32.57
Updated Date 06/30/2025
52 Weeks Range 20.86 - 32.57
Updated Date 06/30/2025
Dividends yield (FY) 2.01%
Basic EPS (TTM) 2.42

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 27.06%
Operating Margin (TTM) 42.07%

Management Effectiveness

Return on Assets (TTM) 1.09%
Return on Equity (TTM) 14.76%

Valuation

Trailing PE 10.68
Forward PE -
Enterprise Value 180091792
Price to Sales(TTM) 3.42
Enterprise Value 180091792
Price to Sales(TTM) 3.42
Enterprise Value to Revenue 3.65
Enterprise Value to EBITDA -
Shares Outstanding 13362200
Shares Floating 9002943
Shares Outstanding 13362200
Shares Floating 9002943
Percent Insiders 12.83
Percent Institutions 39.4

Analyst Ratings

Rating 2
Target Price 29.83
Buy 1
Strong Buy 2
Buy 1
Strong Buy 2
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Orange County Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Orange County Bancorp, Inc. operates as the bank holding company for Orange Bank & Trust Co. Founded in 1892, the bank has grown through organic expansion and strategic acquisitions, focusing on serving the financial needs of businesses and individuals in the Hudson Valley region of New York.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of commercial lending and deposit services to businesses of various sizes, including term loans, lines of credit, and commercial real estate financing.
  • Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans.
  • Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.

leadership logo Leadership and Structure

Michael Gilfeather serves as the President and CEO. The company has a board of directors responsible for overseeing the bank's operations and strategic direction. The organizational structure includes various departments such as lending, finance, operations, and compliance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Loans for the acquisition, development, or refinance of commercial real estate properties. Market share data is not publicly available for this specific product. Competitors include regional and national banks.
  • Small Business Loans: Loans to small businesses for working capital, equipment purchases, and expansion. Market share data is not publicly available for this specific product. Competitors include regional banks, credit unions, and online lenders.
  • Mortgage Loans: Residential mortgage loans for home purchases and refinances. Market share data is not publicly available for this specific product. Competitors include national mortgage lenders, regional banks, and credit unions.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Regional banks face competition from larger national banks and non-bank financial institutions.

Positioning

Orange County Bancorp Inc. is a community-focused bank with a strong presence in the Hudson Valley region. It differentiates itself through personalized service, local expertise, and a commitment to supporting the local economy.

Total Addressable Market (TAM)

The TAM for banking services in the Hudson Valley region is substantial, encompassing businesses and individuals requiring financial services. Orange County Bancorp Inc. is positioned to capture a portion of this market through its branch network and digital channels.

Upturn SWOT Analysis

Strengths

  • Strong local presence and brand recognition
  • Experienced management team
  • Solid financial performance
  • Customer-centric approach

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger competitors
  • Dependence on local economy

Opportunities

  • Expansion into new markets within the Hudson Valley region
  • Increased adoption of digital banking services
  • Strategic acquisitions
  • Growth in wealth management business

Threats

  • Competition from larger banks and credit unions
  • Economic downturn
  • Regulatory changes
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • JPMorgan Chase & Co (JPM)
  • Bank of America Corp (BAC)
  • Citigroup Inc (C)

Competitive Landscape

Orange County Bancorp Inc. faces stiff competition from larger national banks with greater resources and brand recognition. Its advantage lies in its local focus, personalized service, and strong relationships with the community.

Major Acquisitions

Hudson Valley Bank

  • Year: 2019
  • Acquisition Price (USD millions): 72.7
  • Strategic Rationale: Expanded Orange County Bancorp's presence in the Hudson Valley and increased its deposit base.

Growth Trajectory and Initiatives

Historical Growth: Historical growth patterns require financial data analysis.

Future Projections: Future projections require access to analyst estimates.

Recent Initiatives: Recent initiatives would need to be gathered from the bank's investor relations page and press releases.

Summary

Orange County Bancorp is a well-established community bank with a strong regional presence. Its strengths include a customer-centric approach and experienced management, but it faces challenges from larger competitors and economic uncertainties. Continued focus on strategic growth and digital innovation will be crucial for maintaining its competitive position. Expansion through prudent acquisitions has helped expand the company reach and assets.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports
  • Financial News Outlets

Disclaimers:

This analysis is based on publicly available information and is for informational purposes only. It should not be considered investment advice. Financial data may be delayed.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Orange County Bancorp Inc

Exchange NASDAQ
Headquaters Middletown, NY, United States
IPO Launch date 2007-10-04
President, CEO & Director Mr. Michael J. Gilfeather
Sector Financial Services
Industry Banks - Regional
Full time employees 225
Full time employees 225

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operates full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.