Orange County Bancorp Inc (OBT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Orange County Bancorp Inc stock (OBT) is currently trading at $32.33. Orange County Bancorp Inc PE ratio is 9.60. Orange County Bancorp Inc PS ratio (Price-to-Sales) is 3.58. Analyst consensus price target for OBT is $39.00. WallStSmart rates OBT as Moderate Buy.
- OBT PE ratio analysis and historical PE chart
- OBT PS ratio (Price-to-Sales) history and trend
- OBT intrinsic value — DCF, Graham Number, EPV models
- OBT stock price prediction 2025 2026 2027 2028 2029 2030
- OBT fair value vs current price
- OBT insider transactions and insider buying
- Is OBT undervalued or overvalued?
- Orange County Bancorp Inc financial analysis — revenue, earnings, cash flow
- OBT Piotroski F-Score and Altman Z-Score
- OBT analyst price target and Smart Rating
Orange County Bancorp Inc
📊 No data available
Try selecting a different time range
OBT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Orange County Bancorp Inc (OBT)
OBT trades at a significant discount to its Graham intrinsic value of $155.84, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Orange County Bancorp Inc (OBT) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Orange County Bancorp Inc (OBT) Key Strengths (6)
Keeps $45 of every $100 in revenue after operating costs
Earnings per share surging 47.30% year-over-year
Keeps $35 of every $100 in revenue as net profit
Trading at 1.45x book value, attractively priced
55.53% held by institutions, strong professional interest
Solid profitability: $18 profit per $100 equity
Supporting Valuation Data
Orange County Bancorp Inc (OBT) Areas to Watch (3)
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.58x sales
Solid revenue growth at 14.70% per year
Orange County Bancorp Inc (OBT) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 8.8/10) while 3 fall into concern territory (avg 5.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.45) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.70%, Operating Margin at 44.70%, Profit Margin at 34.80%. Growth metrics are encouraging with EPS Growth at 47.30%.
The Bear Case
The primary concerns are Market Cap, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (3.58) suggest expensive pricing. Growth concerns include Revenue Growth at 14.70%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.70% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 14.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OBT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OBT's Price-to-Sales ratio of 3.58x sits near its historical average of 3.55x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 3.72x set in Mar 2026, and 5% above its historical low of 3.41x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Orange County Bancorp Inc (OBT) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Orange County Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 119M with 15% growth year-over-year. Profit margins are strong at 34.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1770.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 34.8% and operating margin of 44.7% demonstrate strong pricing power and operational efficiency.
Free cash flow is -23M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Orange County Bancorp Inc.
Bottom Line
Orange County Bancorp Inc is a well-established business delivering consistent profitability with 34.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Orange County Bancorp Inc(OBT)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Orange County Bancorp Inc (OBT) is a community-oriented financial institution based in Orange County, New York, dedicated to delivering a broad array of banking and financial services tailored to both individual customers and businesses. The bank emphasizes strong community engagement and localized service, offering products such as personal and commercial loans, deposit accounts, and wealth management solutions. As a publicly traded entity, OBT is committed to sustainable growth and profitability while actively contributing to the region's economic development. Its strategic initiatives, coupled with a robust risk management framework, position OBT as an attractive investment opportunity for institutional investors seeking to diversify within the regional banking sector.