📊 OBT Key Takeaways
Is Orange County Bancorp, Inc. /DE/ (OBT) a Good Investment?
Orange County Bancorp demonstrates strong fundamentals with 29.7% revenue growth, excellent profitability margins (38.2% operating, 30.8% net), and a fortress balance sheet with zero long-term debt and $204.2M in cash. However, flat net income growth despite significant revenue expansion indicates operational headwinds or margin compression that warrant monitoring.
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.
Why Buy Orange County Bancorp, Inc. /DE/ Stock? OBT Key Strengths
- Strong revenue growth of 29.7% YoY with excellent profitability margins (operating margin 38.2%, net margin 30.8%)
- Fortress balance sheet with zero long-term debt, Debt/Equity of 0.00x, and robust cash position of $204.2M
- Strong free cash flow generation at $41.3M with 30.6% FCF margin, indicating quality earnings
- Positive EPS growth of 34.8% YoY demonstrating improved per-share value creation
- Equity base of $284.4M providing solid capital cushion relative to asset base
- 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 flat (+0.0% YoY) despite 29.7% revenue growth signals margin compression or operational inefficiencies
- $10M gap between operating income and net income indicates rising non-operating costs or provisions
- ROA of 1.6% is below typical strong regional bank performance (peer range 1.2-1.5%)
- Interest coverage ratio of 2.9x provides limited cushion for earnings volatility or rising rates
- High insider trading activity (48 Form 4 filings in 90 days) could indicate internal concerns about valuation or strategy
- 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
- Net income growth trajectory and operating expense ratio trends
- Loan loss provisions and asset quality deterioration
- Net interest margin compression in current rate environment
- Deposit growth rate and funding cost dynamics
- Return on assets trend relative to regional bank peers
- 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 30.6% 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/ appears fundamentally strong 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 Rating of BUY from Claude (BUY) and ChatGPT (BUY) 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 with excellent profitability margins (operating margin 38.2%, net margin 30.8%). Fortress balance sheet with zero long-term debt, Debt/Equity of 0.00x, and robust cash position of $204.2M. 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 flat (+0.0% YoY) despite 29.7% revenue growth signals margin compression or operational inefficiencies. $10M gap between operating income and net income indicates rising non-operating costs or provisions. 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 $135.0M.
Does OBT pay dividends?
Orange County Bancorp, Inc. /DE/ pays dividends, with $7.1M 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 $3.33.
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 rating reflects both perspectives for balanced insights.
Is OBT a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Orange County Bancorp, Inc. /DE/ has a BUY rating with 74% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is OBT stock overvalued or undervalued?
Valuation metrics for OBT: ROE of 14.6% (sector avg: 12%), net margin of 30.8% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy OBT stock in 2026?
Our dual AI analysis gives Orange County Bancorp, Inc. /DE/ a combined BUY rating 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 $43.8M, with capital expenditures of $2.5M. FCF margin is 30.6%.
How does OBT compare to other Finance stocks?
Vs Finance sector averages: Net margin 30.8% (avg: 25%), ROE 14.6% (avg: 12%), current ratio N/A (avg: 1.2).