Stocks · Financial Services · Banks - Regional
Orange County Bancorp, Inc. OBT
$37.73 +1.45% Close, Oct 2, 2026 · NASDAQ · Market cap $505.9M
High qualityStrong trendInexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 14.6% in a year.
- Operating margin widened to 34.0% from 25.4% a year earlier.
- Diluted EPS over the last four quarters was $3.55, up 39.2% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 31%
- EPS growth (TTM, YoY)Top 26%
- FCF growth (TTM, YoY)Top 8%
- Revenue growth, 3-year CAGRTop 38%
- Revenue growth accelerationBottom 21%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 10%
- Gross marginTop 17%
- Operating marginTop 22%
- Cash conversion (OCF / net income)Top 34%
- Accruals (lower is better)Top 38%
- Net debt / EBITDA (lower is better)Top 5%
- Interest coverTop 31%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldTop 23%
- EBITDA / enterprise valueTop 6%
- Sales / enterprise valueTop 16%
- P/E vs own 5-year history (lower is better)Bottom 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 7%
- 6-month returnTop 26%
- 1-year return vs S&P 500Top 6%
- Distance from 52-week highTop 29%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 15%
- Consecutive EPS beatsTop 24%
- Upside to consensus price targetTop 45%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 41%
- Maximum drawdown, 3 yearsBottom 38%
- Beta vs S&P 500 (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Top 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.0% | 1.2% | ↓ |
| EPS growth (YoY) | 41.1% | 39.2% | ↓ |
| Gross margin | 70.8% | 79.0% | ↑ |
| Operating margin | 25.4% | 34.0% | ↑ |
| FCF margin | 13.7% | 43.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1.2% | 8.0% | ↓ | Bottom 31% |
| EPS growth (TTM, YoY) | 39.2% | 41.1% | ↓ | Top 26% |
| Gross margin | 79.0% | 70.8% | ↑ | Top 17% |
| Operating margin | 34.0% | 25.4% | ↑ | Top 22% |
| Net margin | 31.5% | 19.9% | ↑ | — |
| Free-cash-flow margin | 43.5% | 13.7% | ↑ | — |
| Return on invested capital | 12.5% | — | Top 10% | |
| Revenue growth, 3-year CAGR | 18.1% | — | Top 38% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.41×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +1.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -5.75×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.77%
- Net buyback yield (TTM)
- 0.06%
- Shareholder yield
- 1.83%
- Share count change, 1 year
- +14.6%
- Share count change, 3-year CAGR
- +5.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +18.7%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $44.00
- Target vs current price
- +16.6%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +27.5% | -0.8% | -0.2% | -2.7% | — |
| Apr 28, 2026 | +9.0% | +2.5% | -5.4% | -2.6% | +5.2% |
| Feb 4, 2026 | +24.0% | +1.5% | +10.3% | +2.9% | +6.3% |
| Nov 10, 2025 | — | +0.6% | +0.5% | +3.5% | +29.4% |
| Jul 30, 2025 | +14.5% | -3.6% | -9.0% | +1.1% | -6.3% |
| Apr 30, 2025 | +14.9% | +2.5% | +14.3% | +11.6% | +14.0% |
| Mar 17, 2025 | -14.0% | -0.7% | -0.8% | -12.3% | +0.8% |
| Oct 30, 2024 | -60.6% | -0.9% | -4.0% | +1.5% | -8.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $1.02 | $0.80 | +27.5% | $27.8M |
| Apr 28, 2026 | $0.85 | $0.78 | +9.0% | $32.1M |
| Feb 4, 2026 | $0.93 | $0.75 | +24.0% | $33.0M |
| Nov 10, 2025 | $0.75 | — | — | $41.3M |
| Jul 30, 2025 | $0.87 | $0.76 | +14.5% | $32.4M |
| Apr 30, 2025 | $0.77 | $0.67 | +14.9% | $28.0M |
| Mar 17, 2025 | $0.63 | $0.74 | -14.0% | $27.4M |
| Oct 30, 2024 | $0.28 | $0.71 | -60.6% | $27.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.6× | 9.4× | 76th | Top 21% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 3.9× | — | — | Top 6% |
| EV / Sales | 1.36× | — | — | Top 16% |
| Free-cash-flow yield | 12.94% | — | — | Top 23% |
| Earnings yield | 9.41% | — | — | Top 21% |
P/E over the past five years
Range 7.7× – 12.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +50.3%
- Earnings per share growth (TTM)
- +39.2%
- Change in P/E multiple
- +16.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 219
- 50-day average slope (20 days)
- +0.7%
- 200-day average slope (20 days)
- +3.2%
- Distance from 50-day average
- -1.1%
- Distance from 200-day average
- +9.1%
- RSI (14)
- 49.2
- Relative volume
- 1.08×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.0%
- Volatility vs own 5-year history
- 3th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.76
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -3.7%
- Maximum drawdown, 3 years
- -33.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 23, 2023 | May 4, 2023 | -46.0% | 49 days | 155 days (Dec 14, 2023) |
| Nov 11, 2024 | Apr 11, 2025 | -33.1% | 103 days | 203 days (Feb 3, 2026) |
| Dec 27, 2023 | Apr 18, 2024 | -32.0% | 77 days | 143 days (Nov 11, 2024) |
| Jan 10, 2022 | Aug 2, 2022 | -23.5% | 140 days | 53 days (Oct 17, 2022) |
| Feb 9, 2026 | Mar 13, 2026 | -14.2% | 23 days | 24 days (Apr 17, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $505.9M
- P/E (TTM)
- 10.6
- EPS, diluted (TTM)
- $3.55
- Revenue (TTM)
- $150.7M
- Dividend yield
- 1.91%
- 52-week range
- $23.25 – $40.10
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $76.0M | $96.0M | $131.1M | $143.1M | $158.1M |
| Gross profit | $69.6M | $80.4M | $93.8M | $99.9M | $119.5M |
| Operating income | $26.7M | $30.3M | $37.1M | $34.8M | $51.6M |
| Net income | $21.3M | $24.4M | $29.5M | $27.9M | $41.6M |
| EPS (diluted) | $2.14 | $2.17 | $2.62 | $2.47 | $3.33 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $35.6M | $36.5M | $36.2M | $40.5M | $41.3M | $40.0M | $34.4M | $35.0M |
| Net income | $3.2M | $7.2M | $8.7M | $10.5M | $10.0M | $12.4M | $11.3M | $13.7M |
| EPS (diluted) | $0.28 | $0.63 | $0.77 | $0.87 | $0.75 | $0.93 | $0.85 | $1.02 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $20.3M | $30.5M | $44.5M | $34.6M | $43.8M |
| Capital expenditure | -$2.0M | -$1.5M | -$3.5M | -$1.7M | -$2.5M |
| Free cash flow | $18.4M | $28.9M | $41.0M | $32.9M | $41.3M |
| Dividends paid | -$4.0M | -$4.7M | -$5.2M | -$5.3M | -$7.1M |
| Net share buybacks | $34.9M | -$308,000 | -$447,000 | -$518,000 | $43.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $730.8M
- Total assets
- $2.80B
- Total liabilities
- $2.49B
- Total debt
- $34.6M
- Net debt
- -$300.3M
- Shareholders’ equity
- $306.6M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 4, 2026 | $0.18 | Sep 15, 2026 |
| Jun 4, 2026 | $0.18 | Jun 15, 2026 |
| Mar 4, 2026 | $0.18 | Mar 16, 2026 |
| Dec 4, 2025 | $0.18 | Dec 16, 2025 |
| Sep 8, 2025 | $0.13 | Sep 16, 2025 |
| Jun 4, 2025 | $0.13 | Jun 16, 2025 |
| Mar 4, 2025 | $0.13 | Mar 17, 2025 |
| Dec 4, 2024 | $0.25 | Dec 16, 2024 |
Short interest
- Shares sold short
- 165,616
- Days to cover
- 3.80
- Change vs previous report
- +2.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 13, 2025
- 2-for-1
- Feb 26, 2018
- 2-for-1
- Jun 30, 2003
- 10-for-1