NASDAQ: OBTOrange County Bancorp Inc Stock
$38.95+0.18 (+0.46%)
Updated Aug 12, 2026
OBT Price
$38.95
Fair Value Price
$56.70
Market Cap
$522.17M
52 Week Low
$23.25
52 Week High
$40.10
P/E
10.94x
P/B
1.7x
P/S
4.01x
PEG
N/A
Dividend Yield
1.72%
Revenue
$122.67M
Earnings
$47.39M
Gross Margin
100%
Operating Margin
43.06%
Profit Margin
38.6%
Debt to Equity
8.13
Operating Cash Flow
$67M
Beta
0.56
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
OBT Overview
Orange County Bancorp, Inc. offers 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 also offer deposit products (interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit). Additional offering include commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. County Bancorp was founded in 1892 and is headquartered in Middletown, NY.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine OBT's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +5.11% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
OBT
Ranked#122 of 287
Ranked#122 of 287
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $79.80 | A | |
| $25.95 | A | |
| $40.72 | B |
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OBT News
Overview
Due Diligence Score
–
Industry Average (37)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how OBT scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
OBT ($38.95) is undervalued by 31.32% relative to our estimate of its Fair Value price of $56.70 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
OBT ($38.95) is significantly undervalued by 31.32% relative to our estimate of its Fair Value price of $56.70 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
OBT is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more OBT due diligence checks available for Premium users.
Valuation
OBT fair value
Fair Value of OBT stock based on Discounted Cash Flow (DCF)
Price
$38.95
Fair Value
$56.70
Undervalued by
31.31%
OBT ($38.95) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
OBT ($38.95) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
OBT is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
OBT price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10.94x
Industry
14.71x
Market
14.4x
OBT is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OBT is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
OBT price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.7x
Industry
1.34x
OBT is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
OBT's financial health
Profit margin
Revenue
$28.8M
Net Income
$13.7M
Profit Margin
47.4%
OBT's Earnings (EBIT) of $52.83M... subscribe to Premium to read more.
Interest Coverage Financials
OBT's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.8B
Liabilities
$2.5B
Debt to equity
8.13
OBT's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
OBT's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$12.6M
Investing
-$14.3M
Financing
$79.1M
OBT's operating cash flow ($66.78M)... subscribe to Premium to read more.
Debt Coverage Financials
OBT vs Bank Stocks
Orange County Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.