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Upturn AI SWOT - About
OBT 
Orange County Bancorp Inc (OBT)
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Upturn Advisory Summary
08/28/2025: 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 $29.67
1 Year Target Price $29.67
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.35% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 355.99M USD | Price to earnings Ratio 10.37 | 1Y Target Price 29.67 |
Price to earnings Ratio 10.37 | 1Y Target Price 29.67 | ||
Volume (30-day avg) 3 | Beta 0.51 | 52 Weeks Range 20.86 - 32.57 | Updated Date 08/29/2025 |
52 Weeks Range 20.86 - 32.57 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.88% | Basic EPS (TTM) 2.56 |
Earnings Date
Report Date 2025-07-30 | When After Market | Estimate 0.69 | Actual 0.87 |
Profitability
Profit Margin 28% | Operating Margin (TTM) 46.11% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 13.74% |
Valuation
Trailing PE 10.37 | Forward PE - | Enterprise Value 229671680 | Price to Sales(TTM) 3.37 |
Enterprise Value 229671680 | Price to Sales(TTM) 3.37 | ||
Enterprise Value to Revenue 3.59 | Enterprise Value to EBITDA - | Shares Outstanding 13362900 | Shares Floating 10585564 |
Shares Outstanding 13362900 | Shares Floating 10585564 | ||
Percent Insiders 12.83 | Percent Institutions 55.25 |
Upturn AI SWOT
Orange County Bancorp Inc
Company Overview
History and Background
Orange County Bancorp, Inc. operates as the holding company for Orange County Bank. The bank provides various banking products and services to individuals, businesses, and municipalities primarily in Orange County, New York. Founded in 1892, it has evolved from a small local bank to a larger regional player through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers checking and savings accounts, mortgages, and other services to individual customers.
- Wealth Management: Provides investment management and financial planning services.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure typically involves departments for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available in granular form, but Orange County Bancorp competes with larger national and regional banks like JP Morgan Chase, M&T Bank, and KeyCorp in this segment. Revenue data is not directly published in detail.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Market share is fragmented and regional. Competitors include national mortgage lenders and other regional banks. Revenue data is not publicly disaggregated.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share information is not readily available. Competitors include other local banks and national institutions. Revenue data is not publicly disaggregated.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, interest rate volatility, and heightened competition from fintech companies. Community banks are also navigating challenges related to digital transformation and cybersecurity.
Positioning
Orange County Bancorp is positioned as a community bank focused on serving the needs of its local market. Its competitive advantages include strong local relationships and personalized service. The positioning is a customer focused business model to the local communities of NY.
Total Addressable Market (TAM)
The total addressable market for banking services in Orange County, NY, and surrounding areas is estimated to be in the billions of dollars. Orange County Bancorp holds a portion of this TAM, focusing on building market share through relationship banking and local expertise.
Upturn SWOT Analysis
Strengths
- Strong local presence and relationships
- Experienced management team
- Conservative lending practices
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs relative to larger banks due to fewer economies of scale
- Dependence on interest income
Opportunities
- Expanding into new markets within the region
- Increasing fee income through wealth management and other services
- Leveraging technology to improve efficiency and customer experience
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic downturn
- Cybersecurity threats and regulatory changes
- Potential for credit losses
Competitors and Market Share
Key Competitors
- JPM
- MTB
- KEY
Competitive Landscape
Orange County Bancorp faces intense competition from larger national and regional banks that have greater resources and brand recognition. The company's success depends on its ability to differentiate itself through superior customer service and local expertise.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are based on financial performance and would be populated here upon releases. Please consult company financial reports for actual values.
Future Projections: Future growth projections are based on analyst estimates and would be populated here upon releases. Please consult company financial reports for analyst reports.
Recent Initiatives: Recent strategic initiatives such as branch expansions, technology upgrades, and new product launches.
Summary
Orange County Bancorp is a community bank with a strong local presence. While it benefits from its customer-focused approach, its smaller size and limited geographic reach present challenges. The bank needs to continue to innovate and adapt to changing customer preferences to remain competitive and sustain long term growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise.
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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