📊 OBT Key Takeaways
Is Orange County Bancorp, Inc. /DE/ (OBT) a Good Investment?
Orange County Bancorp exhibits paradoxical fundamentals: 29.7% revenue growth is offset by flat net income (-0% YoY), indicating deteriorating profitability as the company scales. ROE of 3.9% and ROA of 0.4% represent deeply suboptimal capital deployment for a bank, while the 0.8x interest coverage ratio signals insufficient operating income to cover interest expenses, suggesting refinancing or leverage concerns.
OBT shows strong core profitability (ROE 14.6%, ROA 1.6%) and robust revenue growth, supported by high operating/net margins and solid free cash flow. A conservative balance sheet with no long‑term debt and ample liquidity provides resilience, though flat net income despite top-line growth suggests near-term margin or provisioning pressure.
Orange County Bancorp, Inc. /DE/ Key Strengths (OBT)
- Strong revenue growth of 29.7% YoY demonstrates market traction and business expansion
- Exceptional operating margins (42.4%) and net margins (32.8%) at reported level
- Fortress balance sheet with zero long-term debt and $257.5M cash position providing downside protection
- Positive free cash flow generation ($9.7M) with healthy 28.1% FCF margin
- Strong ROE/ROA and 30.8% net margin
- Nearly 30% revenue growth with healthy FCF generation
- Conservative balance sheet (no long-term debt) and solid liquidity
OBT Stock Risks: Orange County Bancorp, Inc. /DE/ Investment Risks
- Net income stalled at 0% growth despite 29.7% revenue acceleration—highly indicative of margin compression and deteriorating operational leverage
- Critically low ROE (3.9%) and ROA (0.4%) suggest capital is being deployed inefficiently and destroying shareholder value below cost of capital
- Interest coverage ratio of 0.8x indicates operating income insufficient to cover interest obligations, signaling distress or over-leverage
- 46 Form 4 filings in 90 days without disclosed insider buying/selling patterns creates uncertainty about management confidence
- Flat net income indicates margin compression or higher credit provisions
- Interest-rate and deposit-cost sensitivity could pressure NIM
- Credit quality or concentration risk given rapid growth
Key Metrics to Watch
- Quarterly net income trend and margin trajectory relative to revenue growth—watch for stabilization or continued deterioration
- Interest coverage ratio movement and refinancing capacity—critical solvency indicator
- Return on equity (ROE) and return on assets (ROA) progression—must trend toward industry averages (>10% ROE target) to justify equity investment
- Operating expense ratio and efficiency metrics—identify root cause of margin compression
- Net interest margin and deposit cost beta
- Nonperforming assets and credit loss provisions
Orange County Bancorp, Inc. /DE/ (OBT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 28.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
OBT Profit Margin, ROE & Profitability Analysis
OBT vs Finance Sector: How Orange County Bancorp, Inc. /DE/ Compares
How Orange County Bancorp, Inc. /DE/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Orange County Bancorp, Inc. /DE/ Stock Overvalued? OBT Valuation Analysis 2026
Based on fundamental analysis, Orange County Bancorp, Inc. /DE/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Orange County Bancorp, Inc. /DE/ Balance Sheet: OBT Debt, Cash & Liquidity
OBT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Orange County Bancorp, Inc. /DE/'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.47 reflects profitable operations.
OBT Revenue Growth, EPS Growth & YoY Performance
Orange County Bancorp, Inc. /DE/ Dividends, Buybacks & Capital Allocation
OBT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Orange County Bancorp, Inc. /DE/ (CIK: 0001754226)
📋 Recent SEC Filings
❓ Frequently Asked Questions about OBT
What is the AI rating for OBT?
Orange County Bancorp, Inc. /DE/ (OBT) has a Combined AI Grade of B from Claude (C) and ChatGPT (A) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are OBT's key strengths?
Claude: Strong revenue growth of 29.7% YoY demonstrates market traction and business expansion. Exceptional operating margins (42.4%) and net margins (32.8%) at reported level. ChatGPT: Strong ROE/ROA and 30.8% net margin. Nearly 30% revenue growth with healthy FCF generation.
What are the risks of investing in OBT?
Claude: Net income stalled at 0% growth despite 29.7% revenue acceleration—highly indicative of margin compression and deteriorating operational leverage. Critically low ROE (3.9%) and ROA (0.4%) suggest capital is being deployed inefficiently and destroying shareholder value below cost of capital. ChatGPT: Flat net income indicates margin compression or higher credit provisions. Interest-rate and deposit-cost sensitivity could pressure NIM.
What is OBT's revenue and growth?
Orange County Bancorp, Inc. /DE/ reported revenue of $34.4M.
Does OBT pay dividends?
Orange County Bancorp, Inc. /DE/ pays dividends, with $2.4M distributed to shareholders in the trailing twelve months.
Where can I find OBT SEC filings?
Official SEC filings for Orange County Bancorp, Inc. /DE/ (CIK: 0001754226) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OBT's EPS?
Orange County Bancorp, Inc. /DE/ has a diluted EPS of $0.85.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is OBT's fundamental grade?
Based on our AI fundamental analysis in May 2026, Orange County Bancorp, Inc. /DE/ has a B grade with 74% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is OBT stock overvalued or undervalued?
Valuation metrics for OBT: ROE of 3.9% (sector avg: 12%), net margin of 32.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is OBT's AI grade for 2026?
Our dual AI analysis gives Orange County Bancorp, Inc. /DE/ a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is OBT's free cash flow?
Orange County Bancorp, Inc. /DE/'s operating cash flow is $10.2M, with capital expenditures of $563.0K. FCF margin is 28.1%.
How does OBT compare to other Finance stocks?
Vs Finance sector averages: Net margin 32.8% (avg: 25%), ROE 3.9% (avg: 12%), current ratio N/A (avg: 1.2).