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Upturn AI SWOT - About
OBT 
Orange County Bancorp Inc (OBT)
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Upturn Advisory Summary
09/17/2025: 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 -19.39% | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 346.77M USD | Price to earnings Ratio 10.14 | 1Y Target Price 29.67 |
Price to earnings Ratio 10.14 | 1Y Target Price 29.67 | ||
Volume (30-day avg) 3 | Beta 0.54 | 52 Weeks Range 20.76 - 32.42 | Updated Date 09/17/2025 |
52 Weeks Range 20.76 - 32.42 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 1.93% | Basic EPS (TTM) 2.56 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 10.14 | Forward PE - | Enterprise Value 221787568 | Price to Sales(TTM) 3.29 |
Enterprise Value 221787568 | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 3.52 | Enterprise Value to EBITDA - | Shares Outstanding 13362900 | Shares Floating 10585564 |
Shares Outstanding 13362900 | Shares Floating 10585564 | ||
Percent Insiders 12.83 | Percent Institutions 55.41 |
Upturn AI SWOT
Orange County Bancorp Inc
Company Overview
History and Background
Orange County Bancorp, Inc. (Symbol: OBTK) is a community bank that has grown organically and through strategic acquisitions. It was founded in 1892 as The Orange County Trust Company and has evolved into a multi-bank holding company. It is headquartered in Middletown, New York and serves the Hudson Valley region.
Core Business Areas
- Commercial Banking: Provides lending, deposit accounts, and treasury management services to businesses.
- Retail Banking: Offers personal checking and savings accounts, mortgages, and other consumer loans.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership and Structure
Michael Gilfeather is the President and CEO. The company is structured with a Board of Directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, equipment purchase, and working capital. Market share data specific to OBTK is difficult to acquire; competition includes larger regional and national banks. Competitors: KeyCorp (KEY), M&T Bank (MTB).
- Residential Mortgages: Home loans for purchase or refinance. Market share data specific to OBTK is difficult to acquire; competition includes national mortgage lenders. Competitors: JPMorgan Chase (JPM), Wells Fargo (WFC).
- Deposit Accounts: Checking, savings, and money market accounts. Market share data specific to OBTK is difficult to acquire, competition includes online banks and other local institutions. Competitors: Bank of America (BAC), Citibank (C).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, technological disruption, and regulatory changes. Community banks face pressure from larger institutions and fintech companies.
Positioning
Orange County Bancorp is a community bank focused on providing personalized service and local expertise. Its competitive advantage lies in its relationships with customers in the Hudson Valley region.
Total Addressable Market (TAM)
The TAM for banking services in the Hudson Valley region is substantial, encompassing both individual and commercial clients. OBTK is positioned to capture a share of this market through its branch network and community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Commitment to customer service
- Solid capital base
Weaknesses
- Smaller size compared to larger competitors
- Limited geographic diversification
- Potential technology limitations
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within the Hudson Valley
- Development of new digital banking services
- Acquisition of smaller community banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- KEY
- MTB
- BAC
Competitive Landscape
Orange County Bancorp's key advantage is its local focus, but it faces challenges from larger banks with greater resources and broader service offerings.
Growth Trajectory and Initiatives
Historical Growth: Refer to public fillings and disclosures.
Future Projections: Future financial information is not available.
Recent Initiatives: OBTK has focused on organic growth and improving efficiency.
Summary
Orange County Bancorp operates with a community-centric model, leveraging its local brand presence. Its smaller size presents limitations against larger competitors. Growth opportunities exist through market expansion and digital services. However, economic conditions and competitive pressures require careful management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (estimates)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated 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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