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OBT 
Orange County Bancorp Inc (OBT)
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Upturn Advisory Summary
11/03/2025: OBT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $30
1 Year Target Price $30
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.39% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 326.82M USD | Price to earnings Ratio 8.04 | 1Y Target Price 30 |
Price to earnings Ratio 8.04 | 1Y Target Price 30 | ||
Volume (30-day avg) 3 | Beta 0.53 | 52 Weeks Range 20.76 - 32.42 | Updated Date 11/3/2025 |
52 Weeks Range 20.76 - 32.42 | Updated Date 11/3/2025 | ||
Dividends yield (FY) 2.17% | Basic EPS (TTM) 3.04 |
Earnings Date
Report Date 2025-10-30 | When Before Market | Estimate 0.69 | Actual 0.75 |
Profitability
Profit Margin 31.49% | Operating Margin (TTM) 44.94% |
Management Effectiveness
Return on Assets (TTM) 1.41% | Return on Equity (TTM) 15.69% |
Valuation
Trailing PE 8.04 | Forward PE - | Enterprise Value 193919792 | Price to Sales(TTM) 2.83 |
Enterprise Value 193919792 | Price to Sales(TTM) 2.83 | ||
Enterprise Value to Revenue 3.36 | Enterprise Value to EBITDA - | Shares Outstanding 13366740 | Shares Floating 10590869 |
Shares Outstanding 13366740 | Shares Floating 10590869 | ||
Percent Insiders 12.8 | Percent Institutions 55.33 |
Upturn AI SWOT
Orange County Bancorp Inc
Company Overview
History and Background
Orange County Bancorp, Inc. (OBT) operates as the bank holding company for Orange Bank & Trust Co., founded in 1892. Initially a small, local bank, it has grown through organic expansion and strategic acquisitions, evolving into a regional financial institution.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of all sizes, including commercial real estate lending and business lines of credit.
- Retail Banking: Offers personal banking services such as checking accounts, savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team typically consists of a Chief Executive Officer (CEO), Chief Financial Officer (CFO), Chief Operating Officer (COO), and other senior executives. The organizational structure is hierarchical, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share information is not publicly available for OBT specifically, but the competitive landscape includes regional banks and national lenders like JPMorgan Chase, Wells Fargo and Bank of America. This product drives a lot of OBTs revenue.
- Business Lines of Credit: Revolving credit facilities for businesses to manage their working capital. The competitive landscape includes regional banks and credit unions. Market share information is not publicly available for OBT specifically and competitors include JPMorgan Chase, Wells Fargo and Bank of America. This product drives a lot of OBTs revenue.
- Mortgages: Residential mortgage loans. This is a very competitive market with a large number of vendors like Penny Mac, Wells Fargo, Chase.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, fluctuating interest rates, and technological disruption. Competition is fierce, with both traditional banks and fintech companies vying for market share.
Positioning
Orange County Bancorp is positioned as a regional bank focused on providing personalized service and community involvement. Its competitive advantage lies in its local expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Orange County, NY and surrounding areas is estimated in the billions of dollars. Orange County Bancorp is positioned to capture a share of this market by focusing on local businesses and residents.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- High-quality customer service
- Strong community ties
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking products
- Vulnerable to economic downturns in the region
- Smaller marketing budget
Opportunities
- Expansion into new markets through acquisitions
- Development of new digital banking products
- Increased focus on wealth management services
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic recession
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Orange County Bancorp faces intense competition from larger national banks and regional players. Its advantage lies in its local focus and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections are not publicly available.
Recent Initiatives: Recent initiatives likely include digital banking enhancements and community outreach programs.
Summary
Orange County Bancorp is a regional bank with a strong local presence. Its personalized service and community ties are key strengths. It faces challenges from larger competitors and needs to invest in digital banking to remain competitive. Over all, it is in a strong position because of the communities loyalty to them.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Financial data is illustrative and does not represent real-time values.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.orangebanktrust.com |
Full time employees 225 | Website https://www.orangebanktrust.com | ||
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.
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