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OBT 
Orange County Bancorp Inc (OBT)
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Upturn Advisory Summary
12/04/2025: OBT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -15.96% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 365.85M USD | Price to earnings Ratio 9.06 | 1Y Target Price 30 |
Price to earnings Ratio 9.06 | 1Y Target Price 30 | ||
Volume (30-day avg) 3 | Beta 0.45 | 52 Weeks Range 20.62 - 29.94 | Updated Date 12/5/2025 |
52 Weeks Range 20.62 - 29.94 | Updated Date 12/5/2025 | ||
Dividends yield (FY) 1.88% | Basic EPS (TTM) 3.02 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 9.06 | Forward PE - | Enterprise Value 232950672 | Price to Sales(TTM) 3.17 |
Enterprise Value 232950672 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 3.48 | Enterprise Value to EBITDA - | Shares Outstanding 13366740 | Shares Floating 10582983 |
Shares Outstanding 13366740 | Shares Floating 10582983 | ||
Percent Insiders 12.81 | Percent Institutions 55.68 |
Upturn AI SWOT
Orange County Bancorp Inc
Company Overview
History and Background
Orange County Bancorp, Inc., founded in 1892, is a community bank headquartered in Middletown, New York. It operates through its subsidiary, Orange Bank & Trust Company. It has grown through organic expansion and acquisitions of other local banks.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses. This includes commercial real estate loans, business lines of credit, and equipment financing.
- Retail Banking: Offers personal banking services such as checking accounts, savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Michael Gilfeather serves as the President and CEO. The bank operates with a board of directors overseeing its strategic direction and executive management team managing day-to-day operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available at a granular level for specific products but commercial lending is a substantial revenue driver. Competitors include regional and national banks like M&T Bank and JPMorgan Chase.
- Business Lines of Credit: Short-term loans to fund working capital. Market share data is not publicly available. Competitors are similar to those in commercial real estate lending.
- Mortgages: Residential mortgage loans. Market share data is not publicly available, however, the bank is a regional bank. Competitors include national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks are navigating these challenges by focusing on relationship banking and niche markets.
Positioning
Orange County Bancorp Inc. positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with local businesses and residents.
Total Addressable Market (TAM)
The TAM for community banking in the region is estimated to be in the billions. Orange County Bancorp Inc. is positioned to capture a share of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on traditional banking channels
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Capitalizing on the failures of larger national banking entities
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB (MTB)
- JPM (JPM)
- BAC (BAC)
Competitive Landscape
Orange County Bancorp Inc. faces strong competition from larger national and regional banks. Its advantages include local expertise and personalized service. Disadvantages include smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not available in real-time but would be included here if available.
Future Projections: Future projection data is not available in real-time but would be included here if available.
Recent Initiatives: Recent Initiatives information is not available in real-time but would be included here if available.
Summary
Orange County Bancorp Inc. is a community bank with a strong local presence. Its focus on relationship banking provides a competitive advantage. However, it faces challenges from larger banks and fintech companies. The bank should continue to invest in technology and explore strategic acquisitions to drive future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates 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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