OBT Stock Price, Orange County Ban, . Quote, Chart

Market Summary

USD48.55-0.21

Delayedas of 16 May 2024, 10:30 am

-0.43%

OBT Stock Price

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OBT RSI Chart

OBT Valuation

Market Cap

275.9M

Price/Earnings (Trailing)

7.76

Price/Sales (Trailing)

2.25

EV/EBITDA

0.97

Price/Free Cashflow

7.43

OBT Price/Sales (Trailing)

OBT Profitability

EBT Margin

36.61%

Return on Equity

21.07%

Return on Assets

1.45%

Free Cashflow Yield

13.46%

OBT Fundamentals

OBT Revenue

Revenue (TTM)

122.5M

Rev. Growth (Yr)

17.86%

Rev. Growth (Qtr)

-1.56%

OBT Earnings

Earnings (TTM)

35.5M

Earnings Growth (Yr)

187.62%

Earnings Growth (Qtr)

14.35%

Breaking Down OBT Revenue

52 Week Range

28.2149.96

(Low)(High)

Last 7 days

4.8%

Last 30 days

9.4%

Last 90 days

6.4%

Trailing 12 Months

57.1%

How does OBT drawdown profile look like?

OBT Financial Health

OBT Investor Care

Dividend Yield

1.89%

Dividend/Share (TTM)

0.92

Shares Dilution (1Y)

0.26%

Diluted EPS (TTM)

6.32

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	122.5M	0	0	0
2023	93.3M	104.6M	111.8M	117.8M
2022	66.9M	69.8M	75.7M	84.2M
2021	56.2M	58.9M	61.7M	64.4M
2020	0	0	0	53.5M

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Tracking the Latest Insider Buys and Sells of Orange County Bancorp, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 06, 2024	coulter michael j	sold	-51,840	51.84	-1,000	evp and clo
May 03, 2024	listner michael	sold	-13,200	50.00	-264	svp and cco
Mar 21, 2024	jones elizabeth a	acquired	-	-	1,387	svp, chief operating officer
Mar 21, 2024	holcombe gregory f	acquired	-	-	551	-
Mar 21, 2024	gilfeather michael j	acquired	-	-	8,583	president and ceo
Mar 21, 2024	sousa gregory	acquired	-	-	2,600	evp and ccbo
Mar 21, 2024	kennedy marianna r	acquired	-	-	551	-
Mar 21, 2024	dineen david p	acquired	-	-	1,717	svp, dir. wealth services
Mar 21, 2024	tirado olga luz	acquired	-	-	551	-
Mar 21, 2024	keane kevin j	acquired	-	-	551	-

Which funds bought or sold OBT recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	MORGAN STANLEY	reduced	-16.65	-328,682	575,460	-%
May 15, 2024	BARCLAYS PLC	reduced	-42.32	-264,000	209,000	-%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-12.52	-10,860	21,850	-%
May 15, 2024	Royal Bank of Canada	reduced	-26.85	-150,000	189,000	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	sold off	-100	-266,261	-	-%
May 15, 2024	CITADEL ADVISORS LLC	reduced	-15.94	-202,430	362,802	-%
May 15, 2024	JANUS HENDERSON GROUP PLC	sold off	-100	-208,672	-	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-63.11	-372,855	146,234	-%
May 15, 2024	WELLINGTON MANAGEMENT GROUP LLP	reduced	-0.87	-3,974,930	12,380,700	-%
May 15, 2024	STATE STREET CORP	added	0.38	-993,269	3,260,940	-%

Are Funds Buying or Selling OBT?

Are funds buying OBT calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own OBT

No. of Funds

Unveiling Orange County Bancorp, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 09, 2024	banc funds co llc	2.0%	115,243	SC 13G/A
Feb 08, 2024	wellington management group llp	4.81%	271,508	SC 13G/A
Jan 29, 2024	blackrock inc.	5.8%	329,057	SC 13G
Feb 07, 2023	banc funds co llc	3.5%	194,940	SC 13G/A
Feb 06, 2023	wellington management group llp	6.40%	361,234	SC 13G/A
Feb 14, 2022	morrison robert w	5.80%	327,092	SC 13G
Feb 11, 2022	banc funds co llc	3.3%	186,440	SC 13G
Feb 04, 2022	wellington management group llp	6.62%	373,334	SC 13G

Recent SEC filings of Orange County Bancorp, Inc.

View All Filings

Date Filed	Form Type	Document
May 15, 2024	10-Q	Quarterly Report
May 14, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 01, 2024	8-K	Current Report
Apr 12, 2024	ARS	ARS
Apr 12, 2024	DEF 14A	DEF 14A
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading

Peers (Alternatives to Orange County Bancorp, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	580.6B	174.7B	10.55%	50.52%	11.53	3.32	53.11%	19.83%
BAC	304.4B	137.9B	8.26%	42.25%	12.16	2.21	56.12%	-12.56%
WFC	217.3B	85.8B	9.39%	62.33%	11.58	2.53	35.02%	26.14%
C	122.5B	125.0B	9.68%	41.85%	15.33	0.98	37.85%	-
CFG	16.8B	10.4B	11.70%	47.15%	11.72	1.61	26.22%	-33.87%
KEY	14.7B	8.1B	7.90%	66.17%	16.8	1.8	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	8.52%	62.72%	10.53	1.72	34.68%	-45.96%
ZION	6.7B	4.1B	11.66%	93.23%	10.59	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	11.39%	71.61%	12.26	2.64	30.60%	-12.99%
ASB	3.4B	2.0B	11.00%	55.39%	21.08	1.66	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	410.6M	173.1M	11.64%	37.59%	14.07	2.37	26.54%	-34.86%
ALRS	390.2M	152.4M	-1.20%	38.83%	39.25	2.56	16.94%	-73.84%
ACNB	288.6M	98.7M	3.06%	15.69%	9.81	2.92	6.27%	-22.90%
ASRV	47.0M	62.5M	18.70%	-3.87%	-15.89	0.75	18.83%	-145.18%

Orange County Bancorp, Inc. News

Latest updates

Orange County Bancorp, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2
Revenue	-1.6%	31.00	32.00	30.00	30.00	26.00	26.00	23.00	18.00	17.00	17.00	17.00	16.00	15.00	14.00	14.00	13.00
EBITDA Margin	2.3%	1.11*	1.08*	1.15*	1.20*	1.20*	1.30*	1.31*	1.30*	1.37*	1.37*	1.05*	1.09*	1.15*	1.21*	-	-
Interest Expenses	-2.5%	22.00	22.00	23.00	23.00	21.00	23.00	21.00	18.00	16.00	16.00	16.00	15.00	14.00	-	12.00	12.00
Income Taxes	-9.7%	2.00	3.00	2.00	2.00	1.00	2.00	2.00	0.00	1.00	2.00	1.00	1.00	1.00	-	1.00	1.00
Earnings Before Taxes	8.5%	12.00	11.00	11.00	11.00	4.00	11.00	10.00	3.00	7.00	7.00	7.00	6.00	6.00	-	4.00	4.00
EBT Margin	16.1%	0.37*	0.32*	0.34*	0.35*	0.30*	0.36*	0.34*	0.33*	0.40*	0.41*	0.24*	0.25*	0.26*	0.27*	-	-
Net Income	14.4%	9.00	8.00	9.00	9.00	3.00	9.00	8.00	2.00	5.00	5.00	6.00	5.00	5.00	-	3.00	3.00
Net Income Margin	15.9%	0.29*	0.25*	0.27*	0.28*	0.24*	0.29*	0.27*	0.27*	0.32*	0.33*	0.19*	0.20*	0.21*	0.22*	-	-
Free Cashflow	-87.1%	2.00	16.00	11.00	9.00	6.00	7.00	12.00	7.00	3.00	5.00	7.00	4.00	2.00	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet														(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Assets	-1.3%	2,453	2,485	2,447	2,494	2,455	2,287	2,368	2,392	2,281	2,143	2,175	2,052	1,909	1,665
Cash Equivalents	-1.8%	145	147	159	179	165	86.00	180	271	356	306	390	323	253	121
Net PPE	-0.9%	16.00	16.00	16.00	16.00	17.00	15.00	15.00	14.00	14.00	15.00	14.00	14.00	-	14.00
Goodwill	0%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	-	5.00
Liabilities	-1.6%	2,284	2,320	2,303	2,346	2,306	2,149	2,232	2,246	2,117	1,960	1,995	1,911	-	1,530
Shareholder's Equity	2.0%	169	165	144	148	149	138	136	146	165	183	181	141	135	135
Retained Earnings	7.4%	115	107	101	93.00	85.00	85.00	77.00	70.00	69.00	65.00	61.00	56.00	-	48.00
Additional Paid-In Capital	0.1%	121	120	120	120	120	120	120	120	120	120	120	85.00	-	85.00
Shares Outstanding	0.1%	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	5.00	4.00	4.00	4.00
Float	-	-	-	-	186	-	-	-	186	-	-	-	135	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2
Cashflow From Operations	-85.9%	2,253	16,012	10,881	9,435	8,172	7,247	12,758	7,358	3,120	5,767	7,336	4,813	2,404	-	-	-
Share Based Compensation	-100.0%	-	63.00	358	84.00	313	21.00	378	75.00	29.00	-145	128	162	70.00	-	102	102
Cashflow From Investing	185.0%	32,495	-38,233	14,339	-34,707	-86,321	-15,454	-86,816	-220,875	-110,962	-51,013	-54,519	-72,124	-113,651	-	-	-
Cashflow From Financing	-443.3%	-37,405	10,896	-45,131	38,594	157,365	-85,961	-17,138	128,636	157,989	-38,646	114,335	137,139	243,106	-	-	-
Dividend Payments	-100.0%	-	1,299	1,297	1,298	1,297	1,295	1,124	1,125	1,125	1,122	1,124	893	890	-	-	-

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OBT Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
INTEREST INCOME
Interest and fees on loans	$ 96,264	$ 69,327
Interest on investment securities:
Taxable	12,723	9,871
Tax exempt	2,285	2,286
Interest on Federal funds sold and other	6,498	2,739
TOTAL INTEREST INCOME	117,770	84,223
INTEREST EXPENSE
Savings and NOW accounts	13,126	4,113
Time deposits	6,393	346
FHLB advances	8,938	599
Note payable		154
Subordinated notes	922	923
TOTAL INTEREST EXPENSE	29,379	6,135
NET INTEREST INCOME	88,391	78,088
Provision for credit losses- investments	5,000
Provision for credit losses (1)	2,868	9,517
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	80,523	68,571
NONINTEREST INCOME
Service charges on deposit accounts	809	693
Trust income	5,098	4,764
Investment advisory income	5,241	4,537
Investment securities gains, net	107
Earnings on bank owned life insurance	984	950
Other	1,180	1,052
TOTAL NONINTEREST INCOME	13,419	11,996
NONINTEREST EXPENSE
Salaries	24,747	22,461
Employee benefits	7,439	5,579
Occupancy expense	4,761	4,467
Professional fees	4,753	4,066
Directors' fees and expenses	1,451	1,157
Computer software expense	5,050	4,803
FDIC assessment	1,403	1,411
Advertising expenses	1,657	1,601
Advisor expenses related to trust income	120	215
Telephone expenses	712	679
Intangible amortization	285	286
Other	4,415	3,565
TOTAL NONINTEREST EXPENSE	56,793	50,290
Income before income taxes	37,149	30,277
Provision for income taxes	7,671	5,914
NET INCOME	$ 29,478	$ 24,363
Basic earnings per share (in dollars per share)	$ 5.24	$ 4.33
Diluted earnings per share (in dollars per share)	$ 5.24	$ 4.33
Weighted average shares outstanding, Basic (in shares)	5,629,150	5,621,630
Weighted average shares outstanding, Diluted (in shares)	5,629,150	5,621,630

About Orange County Bancorp, Inc.

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. It accepts various deposit products, 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. The company operates full-service branches in Orange, Westchester, Rockland, and Bronx counties in New York, as well as loan production office. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

CEO	Mr. Michael J. Gilfeather
WEBSITE	orangebanktrust.com
INDUSTRY	Banks Diversified
EMPLOYEES	204

Orange County Bancorp, Inc. Frequently Asked Questions

What is the ticker symbol for Orange County Bancorp, Inc.? What does OBT stand for in stocks?

OBT is the stock ticker symbol of Orange County Bancorp, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Orange County Bancorp, Inc. (OBT)?

As of Wed May 15 2024, market cap of Orange County Bancorp, Inc. is 275.86 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of OBT stock?

You can check OBT's fair value in chart for subscribers.

What is the fair value of OBT stock?

You can check OBT's fair value in chart for subscribers. The fair value of Orange County Bancorp, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Orange County Bancorp, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for OBT so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Orange County Bancorp, Inc. a good stock to buy?

The fair value guage provides a quick view whether OBT is over valued or under valued. Whether Orange County Bancorp, Inc. is cheap or expensive depends on the assumptions which impact Orange County Bancorp, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for OBT.

What is Orange County Bancorp, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 15 2024, OBT's PE ratio (Price to Earnings) is 7.76 and Price to Sales (PS) ratio is 2.25. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. OBT PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Orange County Bancorp, Inc.'s stock?

In the past 10 years, Orange County Bancorp, Inc. has provided 0.041 (multiply by 100 for percentage) rate of return.