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Orange County Bancorp Inc (OBT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Orange County Bancorp Inc stock $26.28, price $39.50, that is 33.5% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

OC Orange County Bancorp Inc logo Broad data Nov 3, 2026

Orange County Bancorp Inc

OBT · US
Solid, but expensive

Our calculation puts a fair price 33% below what the stock costs today.

Healthy Growth (revenue 5y +19.7 %/yr in USD)
Highly profitable · 38.6% net margin (TTM)
1.7% dividend yield · Low payout
Broad data
Quality 51/100
Mixed vs. peers (7/14)
Wide moat 71/100 · thin data
Insiders sold $253,575 (6M)
Fair value $26.28 · Overvalued (−33.5%)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$40.42 $13.80 Fair Value $26.28 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $13.80 – $40.42 · fair‑value band $20.49 – $40.72 · the $39.50 price screens above the $26.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments.

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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 operate 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.

Stock analysis

Orange County Bancorp Inc (OBT) currently trades at $39.50, while our model-based Fair Value estimate is $26.28, 33% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $34.72 per share, and 1 of the 6 models we run sit above the $39.50 price.

Bear case: the Dividend Discount group reads lowest at $8.25, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $20.49 (bear) to $40.72 (bull), the price of $39.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Orange County Bancorp Inc reported revenue of $158M in FY2025 versus $76.0M in FY2021, a compound +20.1%/yr. Reported net income was $41.6M in FY2025, compounding +18.2%/yr from FY2021.

Key figures

Market cap $528M Small · P/E ratio 11.1 · P/S ratio 4.30 · EPS (TTM) $3.56 · Dividend yield 1.7% · Net margin 38.6% · Return on equity 17.0% · Return on assets (EBIT) 1.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 60% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −33%, OBT screens richer than that median.

Fair Value models

Bear $20.49 Fair Value $26.28 Bull $40.72
Price $39.50 · Downside -33.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.47 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $20.49 $26.28 $40.72 74
Gordon GGM $4.52 $8.79 $12.97 67
DDM Multi-Stage $4.52 $7.70 $9.31 67
All 6 models by family
Dividend Discount
Gordon GGM $4.52 $8.79 $12.97 67
DDM Multi-Stage $4.52 $7.70 $9.31 67
Multiples
P/E Multiple $30.26 $40.35 $50.43 63
P/B Multiple $21.81 $29.08 $36.35 55
Asset-Based
NCAV (Graham) $10.38 $13.92 $20.77 54
Economic Profit
Residual Income $20.49 $26.28 $40.72 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 51/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 72
Are margins and returns getting better?
Cashflow 82
Do the profits arrive as real cash?
Financial strength 26
Debt, balance sheet and risk of trouble
Investment 58
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 66
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 94
Distance to the 52-week high, does not count
New shares 16
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors sold shares worth $253,575 and none bought.

  • SaleJoseph A RuhlReg Pres, Westchester County1,923 shares at $40.27$77,439Nov 5, 2026
  • SaleStephen RooneySVP, Chief Credit Officer1,500 shares at $38.71$58,065Aug 4, 2026
  • SaleGregory SousaEVP and Deputy CLO3,047 shares at $38.75$118,071Aug 3, 2026
  • BuyMichael J GilfeatherPresident and CEO, Director200 shares at $31.25$6,250Mar 19, 2026
  • SaleDavid P DineenSVP, Dir. Wealth Services1,000 shares at $28.81$28,806Dec 11, 2025

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.7%
Start year 2020 (pandemic). Over 10 years: +16.7% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+22.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.8%
Dividend (yield on the price)1.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.20.8% vs 10.2%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 33%
Pace: the 5-year rate starts in 2020 (pandemic)

OBT screens overvalued: fair value 33% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −33.5% · Below median
Profitability
Return on equity (12 months) 17.0% · Top 25%
Return on assets 1.6% · Top 25%
Net margin (12 months) 38.6% · Top 25%
Operating margin (12 months) 40.9% · Above median
Growth and dividend
Revenue growth (quarter YoY) −5.0% · Bottom 25%
Dividend yield (12 months) 1.7% · Below median
Balance sheet
Debt / equity 0.12× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.1× · Cheaper than median
P/B 1.86× · Priciest 25%
P/S (12 months) 4.30× · Pricier than median
Price / free cash flow (fiscal year) 12.8× · Pricier than median
EV/EBITDA 6.8× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)68 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)34 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs OBT
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs OBT
BNP Paribas SA BNP €91.93 €106.01 +15% vs OBT
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs OBT
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs OBT
UniCredit S.p.A UCG €76.80 €50.44 −34% vs OBT
Mizuho Financial Group MFG $9.40 $5.90 −37% vs OBT
DBS Group D05 69.72 SGD 40.39 SGD −42% vs OBT
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs OBT
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs OBT

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Cite: Fair Value Calculator (2026). "Orange County Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/OBT

Frequently asked questions

Is Orange County Bancorp Inc (OBT) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $26.28 versus a price of $39.50, about 33% lower (overvalued).
What is the fair value of OBT?
Our model-based fair value for Orange County Bancorp Inc is $26.28 (as of Nov 3, 2026), built from audited fundamentals. The current price: $39.50.
What is the quality score of OBT?
Orange County Bancorp Inc has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Orange County Bancorp Inc (OBT)?
Our model-based price target is the fair value of $26.28 (as of Nov 3, 2026) from 6 valuation models. Cautious scenario $20.49, optimistic scenario $40.72. It is a calculation from audited fundamentals, not an analyst target.
What is the Orange County Bancorp Inc stock forecast for 2026?
Our models put fair value at $26.28, about 33% lower versus a price of $39.50 (overvalued). Cautious scenario $20.49, optimistic scenario $40.72. The calculation is refreshed regularly with new filings.
What is the revenue of Orange County Bancorp Inc (OBT)?
Orange County Bancorp Inc reported trailing-twelve-month revenue of about $123M (latest available figure, as of Nov 3, 2026).
Does Orange County Bancorp Inc pay a dividend?
Orange County Bancorp Inc currently shows a dividend yield of 1.70% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Orange County Bancorp Inc (OBT) and when is the ex-dividend date?
Orange County Bancorp Inc pays a dividend of $0.67 per share a year, a dividend yield of 1.7%. The last ex-dividend date was Sep 4, 2026. A dividend has been paid every year since at least 2008. The payout ratio is 18.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Orange County Bancorp Inc (OBT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Orange County Bancorp Inc it is $26.28 per share (as of Nov 3, 2026), against a price of $39.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Orange County Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, OBT trades above its calculated fair value: price $39.50, fair value $26.28, a gap of about −33% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OBT?
No. The price is what the market pays today ($39.50); the fair value is what the company's own numbers justify ($26.28). For Orange County Bancorp Inc the two are $13.22 per share apart. That gap is exactly why we show both numbers side by side.
How much is Orange County Bancorp Inc worth?
The market values Orange County Bancorp Inc at about $528M (market capitalisation, as of Nov 3, 2026). Per share that is $39.50; our models calculate a fair value of $26.28 per share.
What do the bullish and bearish scenarios say about OBT?
Our models span a range for Orange County Bancorp Inc: cautious scenario $20.49, base $26.28, optimistic $40.72 per share (as of Nov 3, 2026, price $39.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OBT?
Orange County Bancorp Inc trades at a price-to-earnings ratio of 11.1 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $26.28 is built from several models across several years. Other multiples: P/B 1.9, P/S 4.3, EV/EBITDA 6.8.
How solid is the balance sheet of Orange County Bancorp Inc (OBT)?
Balance-sheet figures for Orange County Bancorp Inc (as of Nov 3, 2026): return on equity 17.0%, debt of 0.12 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is OBT from its 52-week high?
Orange County Bancorp Inc trades at $39.50, about 2% below its 52-week high of $40.42 and 60% above the low of $24.68 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $26.28 is for.
Which stocks are comparable to Orange County Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Orange County Bancorp Inc stock attractive at the current price?
The data as of Nov 3, 2026: price $39.50, calculated fair value $26.28 (−33%), Quality Score 51/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OBT calculated?
We run Orange County Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $26.28 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Orange County Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Orange County Bancorp Inc (OBT)?
The closing price on Nov 6, 2026 was $39.50. Our model-based fair value is $26.28, about 33% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Orange County Bancorp Inc right now?
Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($20.49 to $40.72) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Orange County Bancorp Inc (OBT) come from?
Earnings per share at Orange County Bancorp Inc grew +9.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.2 %, EBIT margin +2.5 %, tax rate −0.2 %, residual (interest, one-offs) +2.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Orange County Bancorp Inc

How large is the market capitalisation of Orange County Bancorp Inc (OBT)?
The market capitalisation of Orange County Bancorp Inc is $528M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Orange County Bancorp Inc (OBT)?
The price-to-sales ratio of Orange County Bancorp Inc is 4.30 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Orange County Bancorp Inc (OBT)?
Earnings per share at Orange County Bancorp Inc are $3.56 (price ÷ EPS = P/E 11.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Orange County Bancorp Inc (OBT)?
The dividend yield of Orange County Bancorp Inc is 1.7% (payout 18.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Orange County Bancorp Inc (OBT)?
The net margin of Orange County Bancorp Inc is 38.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Orange County Bancorp Inc (OBT)?
The return on equity (ROE) of Orange County Bancorp Inc is 17.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Orange County Bancorp Inc (OBT)?
On an EBIT basis the return on assets of Orange County Bancorp Inc is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Orange County Bancorp Inc (OBT)?
The operating margin of Orange County Bancorp Inc is 40.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Orange County Bancorp Inc (OBT)?
Revenue at Orange County Bancorp Inc is growing −5.0% versus a year earlier (3y avg +18.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Orange County Bancorp Inc (OBT)?
Earnings per share at Orange County Bancorp Inc are growing +17.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Orange County Bancorp Inc (OBT) generate?
The free cash flow of Orange County Bancorp Inc is $41.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Orange County Bancorp Inc (OBT) hold?
Orange County Bancorp Inc holds more cash than debt, $170M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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