Orange County Bancorp, Inc. (OBT) stock
OBTNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 19/309% above fair value
$39.86+0.01 (+0.03%)
Close on Nov 12, 2026Market cap $534.44MP/E 10.7Yield 1.43%
Orange County Bancorp statistics
92 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 3, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 4, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.76
- 1.52
- P/OCF Ratio
- 8.46
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 2.26
- 2.95
- EV / FCF
- 4.71
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- 11.4%
- 0.35%
- Shares Change (QoQ)
- 0.02%
- 0.00%
- Float
- 12M
- 17M
- Shares Held by Insiders
- 8.47%
- 6.05%
- Shares Held by Institutions
- 54.0%
- 61.3%
Short sellingIndustry
- Short Interest
- 107,245
- –
- Short Interest Change
- -26.7%
- -4.13%
- Short % of Float
- 0.87%
- 3.58%
- Short % of Shares Outstanding
- 0.80%
- 3.18%
- Days to Cover
- 1.81
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $41.66
- –
- 52-Week Low
- $25.01
- –
- 20-Day Moving Average
- $38.83
- –
- 50-Day Moving Average
- $38.13
- –
- 200-Day Moving Average
- $35.91
- –
- Average True Range (14)
- $1.24
- –
- Price Change (1 Week)
- 0.00%
- 0.47%
- Price Change (1 Month)
- 9.69%
- 4.83%
- Price Change (3 Months)
- 1.71%
- -3.58%
- Price Change (6 Months)
- 20.2%
- 10.8%
- Price Change (YTD)
- 39.6%
- 19.6%
- Price Change (1 Year)
- 52.4%
- 25.4%
- Price Change (3 Years)
- 83.6%
- 76.7%
- Price Change (5 Years)
- 112.5%
- 26.5%
- Price Change (10 Years)
- 246.2%
- 67.0%
- Average Volume (10 Days)
- 52,081
- –
- Average Volume (20 Days)
- 56,628
- –
- Average Volume (90 Days)
- 57,134
- –
- Relative Volume
- 0.68
- 0.66
- Relative Strength Index (14)
- 60.6
- 52.6
- Volatility (1 Year)
- 25.0%
- 24.4%
- Beta (5 Years)
- 0.35
- 0.63
MarginsIndustry
- Pretax Margin
- 44.5%
- 36.9%
- FCF Margin
- 48.0%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 17.2%
- 10.8%
- Return on Assets (ROA)
- 1.86%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 5.48%
- 11.8%
- Net Income Growth (YoY)
- 37.2%
- 22.7%
- EPS Growth (YoY)
- 23.5%
- 21.6%
- FCF Growth (YoY)
- 53.9%
- 27.5%
- Revenue Growth (3Y CAGR)
- 12.2%
- 5.82%
- Revenue Growth (5Y CAGR)
- 16.2%
- 6.17%
- EPS Growth (3Y CAGR)
- 15.4%
- 1.31%
- EPS Growth (5Y CAGR)
- 20.8%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $3.89M
- $359.04K
- Profits Per Employee
- $1.51M
- $110.51K
- Employee Count
- 33
- 492
- WACC
- 7.48%
- 8.00%
Income statement (TTM)Industry
- Pretax Income
- $57.07M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $244.57M
- $166.15M
- Net Cash Per Share
- $18.24
- $8.19
- Equity (Book Value)
- $309.00M
- $570.13M
- Book Value Per Share
- $23.05
- $28.22
- Tangible Book Value
- $303.32M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.65M
- -$4.27M
- FCF Per Share
- $4.59
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 9.33%
- 8.32%
- FCF Yield
- 11.5%
- 9.23%
- Dividend Yield
- 1.43%
- 2.44%
- Shareholder Yield
- 1.43%
- 3.22%
- Dividend Per Share
- $0.57
- $0.92
- Dividend Growth (YoY)
- 21.3%
- 4.26%
- Years of Dividend Growth
- 4
- 2
- Payout Ratio
- 19.3%
- 29.0%
- FCF Payout Ratio
- 15.7%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $7.21M
- $16.14M
- Effective Tax Rate
- 12.6%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $43.98
- $45.31
- Graham Upside
- 10.3%
- 18.8%
- Altman Z-Score
- 0.28
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $77.55
- –
- Lynch Upside
- 94.6%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | OBT | S&P 500 | Difference | OBT per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +6.9% | -2.7% | +9.6 pts | ||
| 3 months | +2.8% | -1.7% | +4.6 pts | ||
| Year to date | +41.8% | +11.9% | +29.9 pts | ||
| 1 year | +56.4% | +12.0% | +44.4 pts | ||
| 3 years | +99.0% | +78.2% | +20.8 pts | +25.8% | +21.2% |
| 5 years | +135.7% | +73.2% | +62.4 pts | +18.7% | +11.6% |
| 10 years | +344.3% | +309.6% | +34.7 pts | +16.1% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M OBT shares were sold short on Oct 30, 2026, down 26.7% from the previous report, or 0.87% of the shares available to trade. At recent volumes it would take 1.8 days to buy them back. Over the last 20 sessions, 49.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 107,245 | -26.7% | 59,154 | 1.8 |
| Oct 15, 2026 | 146,304 | +10.5% | 69,058 | 2.1 |
| Sep 30, 2026 | 132,348 | -20.1% | 65,173 | 2.0 |
| Sep 15, 2026 | 165,616 | +2.3% | 43,634 | 3.8 |
| Aug 31, 2026 | 161,907 | +2.9% | 40,488 | 4.0 |
| Aug 14, 2026 | 157,269 | +13.8% | 51,611 | 3.0 |
| Jul 31, 2026 | 138,250 | +5.5% | 67,206 | 2.1 |
| Jul 15, 2026 | 131,085 | +21.0% | 62,406 | 2.1 |
| Jun 30, 2026 | 108,361 | +22.1% | 133,791 | 1.0 |
| Jun 15, 2026 | 88,755 | -6.5% | 60,221 | 1.5 |
| May 29, 2026 | 94,948 | +23.9% | 39,314 | 2.4 |
| May 15, 2026 | 76,635 | +8.6% | 43,063 | 1.8 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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