Orange County Bancorp, Inc.
OBTFinancial ServicesNASDAQBanks - Regional · Last scanned May 29, 2026
Scan Results
Daily timeframe1 of 4 indicators bullish as of May 28
Headquartered 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. The company carries a $459.2M 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
$459.2M
Beta
0.45
P/E (TTM)
10.04
P/E (Fwd)
8.93
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
34.0%
Annual Financials
Cash vs Debt
With $257.5M in cash and $34.6M in debt, OBT maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. 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.
The relatively low beta of 0.45 suggests OBT is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing OBT's risk profile alongside its fundamentals and technical indicators provides a more complete picture.