Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
- About
OBT 
Orange County Bancorp Inc (OBT)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/18/2025: 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 $31
1 Year Target Price $31
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.74% | Avg. Invested days 34 | 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 12/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 399.00M USD | Price to earnings Ratio 9.88 | 1Y Target Price 31 |
Price to earnings Ratio 9.88 | 1Y Target Price 31 | ||
Volume (30-day avg) 3 | Beta 0.45 | 52 Weeks Range 20.62 - 30.25 | Updated Date 12/20/2025 |
52 Weeks Range 20.62 - 30.25 | Updated Date 12/20/2025 | ||
Dividends yield (FY) 1.72% | 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 9.88 | Forward PE - | Enterprise Value 266100192 | Price to Sales(TTM) 3.46 |
Enterprise Value 266100192 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 3.68 | Enterprise Value to EBITDA - | Shares Outstanding 13366740 | Shares Floating 10572289 |
Shares Outstanding 13366740 | Shares Floating 10572289 | ||
Percent Insiders 12.81 | Percent Institutions 55.68 |
Upturn AI SWOT
Orange County Bancorp Inc
Company Overview
History and Background
Orange County Bancorp Inc. (NASDAQ: OCBC) is a bank holding company headquartered in Middletown, New York. It was founded in 1917 as Orange County Trust Company, a community bank. Over the decades, it has grown organically and through strategic acquisitions, evolving into a regional financial institution with a strong presence in its core markets. Key milestones include its conversion to a stock-holding company and its listing on the NASDAQ.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals, small businesses, and commercial clients. This includes deposit accounts (checking, savings, money market, certificates of deposit), commercial and industrial loans, commercial real estate loans, residential mortgages, and home equity loans. It also offers a range of digital banking services.
- Wealth Management: Offers investment management, financial planning, trust services, and estate planning to individuals and institutions. This segment aims to provide comprehensive financial solutions beyond traditional banking.
Leadership and Structure
Orange County Bancorp Inc. is led by a board of directors and an executive management team. The company operates through its wholly-owned subsidiary, Orange County Bank. Key leadership roles typically include a Chairman, President, and Chief Executive Officer, along with heads for various functional areas like finance, operations, lending, and retail banking.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Includes checking, savings, money market, and certificate of deposit (CD) accounts. These are foundational products for attracting customer deposits. Competitors include major national banks, other regional banks, and credit unions. Specific market share data is not publicly disclosed for individual product lines.
- Commercial Loans: Offers a variety of loans to businesses, including term loans, lines of credit, and real estate financing. This is a crucial revenue driver. Competitors include other community banks, regional banks, and national commercial lenders. Market share data is not readily available for specific loan categories.
- Residential Mortgages: Provides financing for homebuyers. This is a significant product for individuals and families. Competitors include national mortgage lenders, other local banks, and specialized mortgage companies. Market share data for this specific product is not typically disclosed at the holding company level.
Market Dynamics
Industry Overview
The banking industry in the US is mature and highly competitive, characterized by a mix of large national institutions, regional banks, and numerous community banks. Key trends include digital transformation, increasing regulatory scrutiny, focus on customer experience, and the evolving interest rate environment. The industry is also experiencing consolidation.
Positioning
Orange County Bancorp Inc. positions itself as a community-focused bank offering personalized service alongside modern banking solutions. Its competitive advantages include deep local market knowledge, strong customer relationships, and a responsive decision-making process compared to larger institutions. The company aims to balance its community roots with a growth strategy.
Total Addressable Market (TAM)
The TAM for banking services is vast, encompassing all individuals and businesses requiring financial products and services. This includes deposit-taking, lending, payments, and wealth management. Orange County Bancorp Inc. operates within specific geographic markets, primarily in New York, and its TAM is defined by the financial needs of these communities. The company's positioning targets a specific segment of this TAM, focusing on relationships and localized service.
Upturn SWOT Analysis
Strengths
- Strong community ties and local market knowledge.
- Established customer relationships and loyalty.
- Agile decision-making due to its size.
- Diversified loan portfolio.
- Experienced management team.
Weaknesses
- Limited geographic reach compared to larger banks.
- Potential for higher operating costs per dollar of revenue compared to larger, more efficient institutions.
- Reliance on a specific regional economy.
- Brand recognition may be less than national competitors.
Opportunities
- Expansion into adjacent geographic markets.
- Growth in wealth management services.
- Leveraging technology for enhanced digital offerings and efficiency.
- Strategic acquisitions to expand market share or service offerings.
- Increased demand for personalized financial advice.
Threats
- Intense competition from national banks, credit unions, and fintech companies.
- Rising interest rates and potential for economic downturn affecting loan portfolios.
- Cybersecurity risks and data breaches.
- Changing regulatory landscape.
- Talent acquisition and retention in a competitive market.
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- PNC Financial Services Group (PNC)
- KeyCorp (KEY)
- Citizens Financial Group (CFG)
Competitive Landscape
Orange County Bancorp Inc. competes in a highly fragmented market. Its primary disadvantage against larger competitors like M&T, PNC, KeyCorp, and Citizens is their scale, broader product offerings, and larger marketing budgets. However, OCBC's advantage lies in its deep community roots, personalized customer service, and ability to be more agile in its local market, which can be a significant differentiator for certain customer segments.
Growth Trajectory and Initiatives
Historical Growth: Historically, Orange County Bancorp Inc. has likely experienced growth through organic expansion of its loan and deposit base, along with strategic acquisitions. Its growth trajectory would be influenced by economic conditions in its operating markets and the broader banking environment.
Future Projections: Future projections for Orange County Bancorp Inc. are typically provided by financial analysts who cover the stock. These projections often focus on expected earnings growth, revenue expansion, and asset growth, taking into account industry trends and company-specific strategies.
Recent Initiatives: Recent initiatives might include the adoption of new digital banking technologies, expansion of branch networks, development of new loan products, or strategic partnerships aimed at enhancing customer acquisition and retention.
Summary
Orange County Bancorp Inc. is a well-established community bank with strong local ties and a solid foundation in traditional banking services. Its growth has been steady, and it benefits from customer loyalty and personalized service. However, it faces intense competition from larger financial institutions and needs to continually invest in technology to remain competitive and expand its reach. Strategic acquisitions and prudent management of economic headwinds will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations (e.g., SEC filings like 10-K, 10-Q)
- Financial data aggregators (e.g., Yahoo Finance, Bloomberg, Refinitiv)
- Industry analysis reports
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data is an estimation based on publicly available information and industry generalities. Actual market share can vary significantly. Financial performance and future projections are subject to change and inherent uncertainties. Investors should conduct their own due diligence before making any investment decisions.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.