Orange County Bancorp, Inc.
OBTFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeOrange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company carries a $503.6M market cap, placing it firmly in the small-cap category. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments.
Market Cap
$503.6M
Beta
0.42
P/E (TTM)
11.01
P/E (Fwd)
9.82
EPS (TTM)
$3.41
EPS (Fwd)
$3.83
ROE
17.9%
ROA
1.7%
Cash
$257.5M
Total Debt
$34.6M
Free CF
—
52W Change
31.6%
Annual Financials
Cash vs Debt
Orange County Bancorp, Inc. holds $257.5M in cash against $34.6M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 17.9% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.7% 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.
With a beta below 0.7, Orange County Bancorp, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, OBT has financial flexibility that may help navigate uncertain periods. No single metric tells the full story. Reviewing OBT's risk profile alongside its fundamentals and technical indicators provides a more complete picture.