Orange County Bancorp, Inc.
OBTFinancial ServicesNASDAQBanks - Regional
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Daily timeframeOrange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. Valued at $519.2M, OBT is a small-cap name in its sector. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments.
Market Cap
$519.2M
Beta
0.42
P/E (TTM)
10.88
P/E (Fwd)
10.33
EPS (TTM)
$3.56
EPS (Fwd)
$3.75
ROE
17.0%
ROA
1.8%
Cash
$334.9M
Total Debt
$34.6M
Free CF
—
52W Change
48.3%
Annual Financials
Cash vs Debt
Where OBT stands vs its 150-day and 200-day moving averages
As of the August 20, 2026 close, OBT finished 9.49% above its 150-day moving average ($34.47) and 15.63% above its 200-day moving average ($32.64). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is OBT overbought or oversold?
At the August 20, 2026 close, OBT's RSI(14) was 49.7, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $334.9M in cash comfortably exceeding the $34.6M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Return on equity stands at 17.0%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $89.9M (2022) to $127.1M (2025), reflecting a 41% increase over the period.
OBT's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Orange County Bancorp, Inc. and its sector.