Orange County Bancorp, Inc.
OBTFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, Orange County Bancorp, Inc. focuses on Banks - Regional services and products. Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. With a market capitalization of $513.7M, it sits in small-cap territory. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments.
Market Cap
$513.7M
Beta
0.43
P/E (TTM)
10.76
P/E (Fwd)
10.22
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
56.4%
Annual Financials
Cash vs Debt
Where OBT stands vs its 150-day and 200-day moving averages
As of the September 24, 2026 close, OBT finished 5.83% above its 150-day moving average ($35.32) and 10.04% above its 200-day moving average ($33.97). 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 September 24, 2026 close, OBT's RSI(14) was 47.8, 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. ROE of 17.0% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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.
The relatively low beta of 0.43 suggests OBT is a less volatile holding compared to the broader index. With cash comfortably exceeding debt, OBT has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Orange County Bancorp, Inc. and its sector.