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Ticker
OBT

Price
30.83
Stock movement up
+0.34 (1.12%)
Company name
Orange County Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
412.10M
Ent value
2.59B
Price/Sales
2.79
Price/Book
1.53
Div yield
2.34%
Div growth
-
Growth years
-
FCF payout
15.28%
Trailing P/E
11.48
Forward P/E
9.82
PEG
-
EPS growth
14.80%
1 year return (CAGR)
15.38%
3 year return (CAGR)
-
5 year return (CAGR)
-
10 year return (CAGR)
-
Last updated: 2026-01-22

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.72
Dividend yield2.34%
Payout frequencyQuarterly
Maximum yield2.65%
Average yield1.95%
Minimum yield1.44%
Discount to avg yield16.46%
Upside potential19.70%
Yield as % of max yield88.07%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.34%
Current yield distribution9.94%
Yield at 100% (Min)1.44%
Yield at 90%1.61%
Yield at 80%1.72%
Yield at 50% (Median)1.95%
Yield at 20%2.13%
Yield at 10%2.33%
Yield at 0% (Max)2.65%

Dividend per share

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Dividend per share data
Years of growth-
CCC status-
Dividend per share0.72
Payout frequencyQuarterly
Ex-div date4 Dec 2025
EPS (TTM)2.69
EPS (1y forward)3.14
EPS growth (5y)14.80%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
OBTS&P500
DGR MR38.46%-13.74%
DGR TTM20.65%6.60%
DGR 3 years-7.31%
DGR 5 years-4.69%
DGR 10 years-6.30%
DGR 15 years-8.16%
Time since last change announced71 days
EPS growth (5y)14.80%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM17.02%15.28%
Average11.73%-
Forward22.93%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E11.48
Price to OCF9.60
Price to FCF10.30
Price to EBITDA11.86
EV to EBITDA74.49

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.79
Price to Book1.53
EV to Sales17.52

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FINANCIALS

Per share

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Per share data
Current share count13.37M
EPS (TTM)2.69
FCF per share (TTM)2.99

Income statement

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Income statement data
Revenue (TTM)147.74M
Gross profit (TTM)85.01M
Operating income (TTM)33.27M
Net income (TTM)35.91M
EPS (TTM)2.69
EPS (1y forward)3.14

Margins

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Margins data
Gross margin (TTM)57.54%
Operating margin (TTM)22.52%
Profit margin (TTM)24.30%

Balance Sheet

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Balance Sheet data
Cash189.88M
Net receivables10.51M
Total current assets0.00
Goodwill5.36M
Intangible assets607.00K
Property, plant and equipment0.00
Total assets2.64B
Accounts payable0.00
Short/Current long term debt0.00
Total current liabilities0.00
Total liabilities2.37B
Shareholder's equity270.12M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)42.91M
Capital expenditures (TTM)2.90M
Free cash flow (TTM)40.01M
Dividends paid (TTM)6.11M

Financial returns

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Financial returns data
Return on Equity13.29%
Return on Assets1.36%
Return on Invested Capital11.79%
Cash Return on Invested Capital13.14%

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iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open30.72
Daily high31.49
Daily low30.50
Daily Volume29K
All-time high31.90
1y analyst estimate31.00
Beta0.45
EPS (TTM)2.69
Dividend per share0.72
Ex-div date4 Dec 2025
Next earnings date4 Feb 2026

Downside potential

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Downside potential data
OBTS&P500
Current price drop from All-time high-3.35%-0.89%
Highest price drop-33.12%-19.00%
Date of highest drop11 Apr 20258 Apr 2025
Avg drop from high-17.34%-2.49%
Avg time to new high322 days6 days
Max time to new high299 days89 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
OBT (Orange County Bancorp Inc) company logo
Marketcap
412.10M
Marketcap category
Small-cap
Description
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.
Employees
225
Investor relations
-
SEC filings
CEO
Country
USA
City
Stock type
-
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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