ORANGE COUNTY BANCORP INC (OBT)
Financials · regional banks · NASDAQ
A community-focused bank holding company providing commercial and retail banking alongside trust and wealth management services.
What ORANGE COUNTY BANCORP INC does
Orange County Bancorp, Inc. is a bank holding company that provides a range of commercial and retail banking services, as well as trust and wealth management solutions. The company operates primarily through its subsidiary, Orange Bank & Trust Company, focusing on serving businesses, professionals, and individuals in its market areas.
Themes: community banking, wealth management, commercial lending, interest rate sensitivity
Fundamentals
- Price$37.99 as of 2026-08-21 close
- Market cap$509M as of 2026-08-21
- 1-year return+50.2% 2025-08-21 close $25.29 → 2026-08-21 close $37.99
- P/E11.86 as of 2026-08-24
- Net margin+29.9% as of 2026-08-24
- ROE+16.1% as of 2026-08-24
- Debt / equity0.08 as of 2026-08-24
- Revenue growth (YoY)+47.6% as of 2026-08-24
- Beta0.42 as of 2026-08-24
- Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.0%; 3-year non-decreasing per-share dividend streak (SEC XBRL).
How OBT compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, OBT's dividend was covered by reported results (earnings payout 17%, free-cash-flow payout 17%). This describes past coverage, not a forecast.
- Earnings payout17% dividends / net income
- Free-cash-flow payout17% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How ORANGE COUNTY BANCORP INC looks technically
ORANGE COUNTY BANCORP INC (OBT) is trading 16.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 181 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative). It made a new 20-day high about 6 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 16.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +16.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $37.54 | $37.54 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $32.76 | $32.76 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 40. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 181 trading days ago — a "golden cross", a bullish long-term signal | 181 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with buyers in control | 29.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 48.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($37.40 to $40.00) — its "stochastic" reading is 23 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 22.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative) | 5 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $40.10 | $40.10 |
|---|---|---|
| From the 52-week high | it is 5.3% below its 52-week high (its highest price of the past year) | -5.3% |
| Above the 52-week low | it is 63.4% above its 52-week low (its lowest price of the past year) | +63.4% |
| Below the 52-week high | it is 5.3% below its highest point of the past year | 5.3% |
| Since a 20-day breakout | it made a new 20-day high about 6 trading days ago | 6 sessions |
| Since a 55-day breakout | it made a new 55-day high about 6 trading days ago | 6 sessions |
| All-time high | its highest closing price on record is $40.10 (set on 2026-06-22) | $40.10 |
| Given back of the 52-week move | over the past year its closes ranged ($23.44 to $39.19), and it has given back only a small part of its rise from last year’s low — 8% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $28.95 to $29.46. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 7.6% |
| From the all-time high | it is 5.3% below its all-time high | -5.3% |
| Nearest price level | it is sitting right on a support level at $37.98 — a price it turned at twice since 2026-02-20, most recently on 2026-05-07. Since 2024-08-21 it has 14 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.0% |
| All-time low | its lowest closing price on record is $8.88 (set on 2009-03-12) | $8.88 |
| Above the all-time low | it is 328.1% above its all-time low | +328.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 0th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9997 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9997 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $37.60 and $39.39 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $37.60 – $38.49 – $39.39 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 5.2 daily ranges above its 200-day average price (16.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.66× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 1.8% since the prior reading | +1.8% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
3
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.5% |
|---|---|---|
| Open gap | it gapped 4.4% above the previous close 48 sessions ago and has not traded back through the level it left behind at 34.68 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.3% |
| Gap filled | a 2.6% gap down opened on 2026-06-16 has been "filled" 44 sessions ago — price traded back through the level the gap left behind, and it took 2 sessions to close | 44 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.3 percentage points (the stock gained 1.0% while the market gained 2.3%) | -1.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 8.7 percentage points (the stock gained 11.8% while the market gained 3.1%) | +8.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 2.5 percentage points (the stock gained 8.5% while the market gained 11.1%) | -2.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 29.7 percentage points (the stock gained 50.2% while the market gained 20.5%) | +29.7% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.8% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.0% of the share price. | +2.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 9% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $34.95 — a volume-weighted average of daily closes over 156 sessions, not a true tick-by-tick VWAP. | +8.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-07-28 (its 8-K), so the typical buyer over that stretch is under water. That average is $38.50 — a volume-weighted average of daily closes over 19 sessions, not a true tick-by-tick VWAP. | -1.3% |
Price levels it has turned at before
OBT last closed at $37.99 on 2026-08-21. Since 2024-08-21 it has turned at 14 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $37.98 | Support | at the last close | turned there twice · 2026-02-20 to 2026-05-07 |
| $38.90 | Resistance | 2.4% above the last close | turned there three times · 2026-07-02 to 2026-07-29 |
| $36.49 | Support | 4.0% below the last close | turned there three times · 2026-04-17 to 2026-07-23 |
| $40.05 | Resistance | 5.4% above the last close | turned there twice · 2026-06-22 to 2026-08-14 |
| $33.15 | Support | 12.7% below the last close | turned there four times · 2024-11-11 to 2026-06-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $40.00.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 5 trading days, since 2026-08-17.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · in a Bollinger Band volatility squeeze · in a strong, established uptrend (ADX) · Analyst price target recently RAISED · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.00 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$43.00 range $42.00 – $44.00
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for OBT
- Consensus EPS estimate$0.82 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Fluctuations in interest rates and economic conditions that can reduce net interest margins.","Credit risk associated with loan portfolios, including potential increases in delinquencies and charge-offs.","Sensitivity of the trust and wealth management business to volatility in securities and stock markets."]
What changed in the latest 10-Q
AI-assisted comparison of OBT's 10-Q filed 2026-05-11 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference date 'March 31, 2026' in opening paragraph (newer filing dated 2026-05-11)
- Added reference to 'December 31, 2025' as comparison period in opening paragraph (newer filing dated 2026-05-11)
- Added reference to 'three months ended March 31, 2026 and 2025' in opening paragraph (newer filing dated 2026-05-11)
- Added 'or pandemics' to the risk factors list regarding 'acts of war or terrorism' (newer filing dated 2026-05-11)
- Added 'the rate of delinquencies,' before 'amounts of non-performing loans' in risk factors (newer filing dated 2026-05-11)
- Removed:
- Removed reference date 'September 30, 2025' from opening paragraph (older filing dated 2025-11-10)
- Removed reference to 'December 31, 2024' as comparison period (older filing dated 2025-11-10)
- Removed reference to 'three and nine months ended September 30, 2025 and 2024' (older filing dated 2025-11-10)
- Removed reference to 'Form 10-K for the year ended December 31, 2024' (older filing dated 2025-11-10)
- Removed 'including the effect of the recent federal government shutdown' from fiscal and monetary policies risk factor (older filing dated 2025-11-10)
- Reworded:
- Changed reference from 'Form 10-K for the year ended December 31, 2024' to 'Form 10-K for the year ended December 31, 2025' (newer filing dated 2026-05-11)
- Changed 'the amounts of non-performing loans' to 'the rate of delinquencies, amounts of non-performing loans' in risk factors list (newer filing dated 2026-05-11)
- Notes:
- The Overview section in the newer filing is truncated at 'offer full-service commercial and consumer banki' making complete comparison impossible for that portion
- Page number changed from 33 to 30 between filings, likely due to document length differences
Risk Factors
- Reworded:
- Item 1A reference changed from '2024 Annual Report on Form 10-K as filed with the Securities and Exchange Commission on March 17, 2025' (filed 2025-11-10) to '2025 Annual Report on Form 10-K as filed with the Securities and Exchange Commission on March 16, 2026' (filed 2026-05-11)
- Item 5 period reference changed from 'During the third quarter of 2025' (filed 2025-11-10) to 'During the first quarter of 2026' (filed 2026-05-11)
- Signature date changed from 'November 10, 2025' (filed 2025-11-10) to 'May 11, 2026' (filed 2026-05-11)
- Page numbers changed from 54-56 (filed 2025-11-10) to 48-50 (filed 2026-05-11)
- Notes:
- The two filings cover different reporting periods (Q3 2025 vs Q1 2026) which explains period-specific updates
- The Exhibit Index structure and content remain substantively identical between the two filings
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 3 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 3 sells ($176136) — 2 selling insiders
- Last 90 days0 buys · 3 sells ($176136) — 2 selling insiders
- Last 180 days0 buys · 3 sells ($176136) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-04. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about OBT's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding OBT as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,124,813
- Reported value $67,951,521
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
OBT had 138,250 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
OBT had 1.03% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.06 days to cover at the same settlement.
- Reported short interest (shares) 138,250
- Short interest (% of shares outstanding) 1.03%
- Prior settlement (shares) 131,085
- Reported change 5.47%
- Days to cover (reported) 2.06
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- M&T Bank (MTB)
- KeyCorp (KEY)
- Community Bank System (CBU)
- New York Community Bancorp (NYCB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does ORANGE COUNTY BANCORP INC (OBT) do?
Orange County Bancorp, Inc. is a bank holding company that provides a range of commercial and retail banking services, as well as trust and wealth management solutions. The company operates primarily through its subsidiary, Orange Bank & Trust Company, focusing on serving businesses, professionals, and individuals in its market areas.
What sector is ORANGE COUNTY BANCORP INC (OBT) in?
ORANGE COUNTY BANCORP INC (OBT) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does OBT pay a dividend?
Yes — ORANGE COUNTY BANCORP INC (OBT) pays a dividend, with an indicated yield of about 1.99% and 3-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-08-24). Informational only — not financial advice.
Who are ORANGE COUNTY BANCORP INC's (OBT) competitors?
Notable peers of ORANGE COUNTY BANCORP INC (OBT) include M&T Bank, KeyCorp, Community Bank System and New York Community Bancorp. This peer set is informational only — not financial advice.
Is ORANGE COUNTY BANCORP INC (OBT) overbought or oversold right now?
ORANGE COUNTY BANCORP INC (OBT) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on OBT come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.