ORANGE COUNTY BANCORP INC (OBT)

What ORANGE COUNTY BANCORP INC does

Orange County Bancorp Inc. is a community bank holding company that operates through its subsidiary, Orange Bank & Trust Company. The company provides traditional banking services including residential and commercial real estate lending, consumer lending, and deposit products. Additionally, the bank offers trust and wealth management services to its customers and generates transaction-based fees from these wealth management activities.

Fundamentals

• Price$36.77 as of 2026-07-09 close
• Market cap$493M as of 2026-07-10
• 1-year return+31.2% as of 2026-07-09 close
• P/E11.16 as of 2026-07-10
• Net margin+29.9% as of 2026-07-10
• ROE+16.1% as of 2026-07-10
• Debt / equity0.08 as of 2026-07-10
• Revenue growth (YoY)+47.6% as of 2026-07-10
• Beta0.42 as of 2026-07-10

Dividend: yield +2.0%; 3-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Interest rate environment changes that reduce net interest margins or impact fair value of financial instruments","Fluctuations in real estate values and residential/commercial real estate market conditions affecting loan portfolio quality and demand","Cyber security and data breach risks to information systems that could disrupt operations or damage reputation"]

See OBT's biggest risks from its latest 10-Q →

Competitors & peers

• Customers Bancorp
• Provident Bank
• Kearny Financial Corp
• Flushing Bank
• Hudson Valley Holding Corp

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