Orange County Bancorp, Inc. /DE/

OBT

Orange County Bancorp, Inc. /DE/

OBT

Insider Sentiment (TTM):

Last Purchase:2026-03-19Last Sale:2025-12-11Shares Purchased (TTM):1,500Shares Sold (TTM):1,000

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:7,194,852Shares Outstanding:13,351,885Institutional Ownership Pct.:53.89%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	335	258	204	190	176	164	150	161	190	145	147	159
Debt Securities Available For Sale Amortized Cost …	396	408	419	427	411	444	444	470	463	476	490	479
Restricted Investments	6	6	6	7	6	6	10	8	5	6	15	11
Financing Receivable Excluding Accrued Interest Be…	-	1,952	1,950	1,936	1,918	1,854	1,816	1,796	1,734	1,733	1,747	1,708
Financing Receivable Allowance For Credit Loss Exc…	-	-28	-28	-29	-28	-26	-26	-31	-28	-25	-25	-26
Financing Receivable Excluding Accrued Interest Af…	-	1,924	1,922	1,906	1,889	1,828	1,790	1,765	1,706	1,707	1,722	1,682
Property Plant And Equipment Net	15	16	15	15	15	16	16	14	16	16	16	16
Assets Held For Sale Not Part Of Disposal Group	-	-	-	-	-	-	-	1	-	-	-	-
Accrued Investment Income Receivable	11	11	10	11	10	11	7	10	10	10	6	6
Bank Owned Life Insurance	33	33	33	32	35	43	42	42	42	42	41	41
Goodwill	5	5	5	5	5	5	5	5	5	5	5	5
Intangible Assets Net Excluding Goodwill	0	0	1	1	1	1	1	1	1	1	1	1
Other Assets	51	45	44	43	58	43	46	41	44	45	42	47
Assets	2,800	2,706	2,659	2,636	2,606	2,560	2,510	2,519	2,481	2,453	2,485	2,447
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	794	727	726	712	687	654	651	690	681	636	699	727
Interest Bearing Deposit Liabilities	1,637	1,622	1,585	1,567	1,590	1,628	1,502	1,450	1,518	1,513	1,340	1,378
Deposits	2,431	2,350	2,310	2,279	2,277	2,282	2,153	2,140	2,199	2,149	2,039	2,105
Federal Home Loan Bank Advances Current	-	-	-	23	21	21	114	82	-	28	225	146
Longterm Federal Home Loan Bank Advances Noncurren…	10	10	10	10	10	10	10	10	10	10	10	10
Subordinated Debt	25	25	25	24	20	20	20	20	20	20	20	20
Accrued Liabilities And Other Liabilities	28	30	30	30	26	27	28	24	25	27	27	23
Liabilities	2,494	2,414	2,375	2,366	2,354	2,359	2,324	2,326	2,304	2,284	2,320	2,303
Stockholders Equity
Common Stock Value	3	3	3	3	3	3	3	3	3	3	3	3
Additional Paid In Capital	168	166	165	165	165	122	121	121	121	121	120	120
Retained Earnings Accumulated Deficit	185	173	164	154	146	137	130	124	122	115	107	101
Accumulated Other Comprehensive Income Loss Net Of…	-49	-51	-48	-52	-61	-60	-68	-54	-67	-69	-64	-79
Treasury Stock Value	-0	-0	-0	-0	-0	-0	-0	-0	-1	-1	-1	-1
Stockholders Equity	307	292	284	270	253	201	186	193	178	169	165	144
Liabilities And Stockholders Equity	2,800	2,706	2,659	2,636	2,606	2,560	2,510	2,519	2,481	2,453	2,485	2,447
Debt Securities Available For Sale Amortized Cost …	451	464	472	483	479	510	520	529	539	554	561	570
Debt Securities Available For Sale Amortized Cost …	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.5	0.5	0.5	0.25	0.5
Common Stock Shares Authorized	30	30	30	30	30	30	30	15	15	15	30	15
Common Stock Shares Issued	13	13	13	13	13	11	11	11	11	11	11	11
Shares Outstanding	13	13	13	13	13	11	11	11	11	11	11	11
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	3.91%	12.16%	13.95%	-	-	-	-	-	-	-	-	-
2025	-8.92%	2.65%	-10.68%	13.06%	5.75%	3.84%	3.21%	7.89%	17.16%	11.38%	10.93%	12.08%
2024	-5.28%	0.98%	13.97%	2.57%	2.57%	-0.09%	-4.89%	-13.00%	-16.93%	-11.75%	6.70%	1.14%
2023	-	-	-	-1.17%	-11.00%	-12.59%	6.12%	7.22%	-2.15%	-	-	-
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.53	-0.49	-0.50	-0.53	-0.60	-0.34	0.10	0.81	2.26	2.33	2.26	2.67
Per Share Metrics
Diluted EPS TTM	3.54	3.31	3.33	2.73	2.46	2.41	2.47	2.55	3.07	3.15	2.62	2.70
Free Cash Flow Per Share TTM	4.39	3.49	3.30	2.67	1.34	3.11	2.91	3.24	3.32	3.29	3.64	2.87
Dividend Per Share TTM	0.60	0.60	0.57	0.35	0.35	0.49	0.47	0.46	0.46	0.46	0.46	0.46
Margin Metrics
Gross Profit Margin TTM	80.40%	78.79%	77.09%	74.92%	73.63%	73.24%	72.13%	61.99%	62.28%	62.45%	64.56%	79.64%
Operating Profit Margin TTM	38.06%	39.90%	38.19%	35.54%	29.39%	26.93%	27.37%	28.87%	35.00%	36.61%	31.54%	33.89%
Net Profit Margin TTM	34.14%	32.14%	30.83%	27.56%	22.94%	21.32%	21.92%	22.78%	27.68%	29.02%	25.03%	27.21%
Growth Metrics
Net Revenue Growth (1Y)	7.80%	7.37%	6.10%	4.17%	2.81%	4.56%	8.03%	13.20%	19.77%	31.25%	39.83%	23.56%
Net Income Growth (1Y)	60.41%	61.90%	49.25%	26.02%	-14.77%	-23.19%	-5.41%	-5.20%	18.56%	59.63%	20.99%	17.87%
EPS Growth (1Y)	43.79%	37.41%	34.86%	6.84%	-19.83%	-23.61%	-5.79%	-5.60%	18.30%	59.37%	20.83%	17.74%
Valuation Metrics
P/E TTM	10.39	9.61	8.49	9.09	10.26	9.45	10.90	11.39	8.26	6.97	10.93	7.56
P/B TTM	1.61	1.46	1.24	1.22	1.20	1.28	1.64	1.70	1.61	1.47	1.95	1.60
P/S TTM	3.55	3.09	2.62	2.51	2.35	2.01	2.39	2.60	2.29	2.02	2.74	2.06
Market Cap	492.17M	424.69M	353.27M	330.42M	303.10M	257.86M	303.95M	328.66M	286.36M	247.60M	322.30M	229.88M
Enterprise Value	157.24M	167.16M	149.04M	140.54M	127.49M	93.69M	153.61M	167.79M	96.68M	102.88M	174.91M	71.17M
Calculated Values
Free Cash Flow TTM	58.72M	46.66M	41.33M	35.67M	16.02M	35.22M	32.87M	36.66M	37.46M	37.13M	40.96M	32.28M
Net Debt	-334.93M	-257.54M	-204.23M	-189.88M	-175.61M	-164.17M	-150.33M	-160.87M	-189.68M	-144.73M	-147.38M	-158.71M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-19Purchase

Owner: Gilfeather, Michael J

Title: President and CEO

Shares: 200

Price/Share: $31.25

Value: $6,250.00

Shares Owned: 16,400

Relationship: Director,Officer

Ownership: Indirect

2025-12-11Sale

Owner: Dineen, David P

Title: SVP, Dir. Wealth Services

Shares: 1,000

Price/Share: $28.88

Value: $28,880.00

Shares Owned: 8,214

Relationship: Officer

Ownership: Direct

2025-10-31Purchase

Owner: Gilfeather, Michael J

Title: President and CEO

Shares: 1,300

Price/Share: $24.02

Value: $31,226.00

Shares Owned: 106,788

Relationship: Director,Officer

Ownership: Direct

2025-06-04Purchase

Owner: Schiller, Jon

Title: -

Shares: 6,451

Price/Share: $23.25

Value: $149,985.75

Shares Owned: 12,446

Relationship: Director

Ownership: Direct

2025-05-16Sale

Owner: Ruhl, Joseph A

Title: Reg Pres, Westchester County

Shares: 1,752

Price/Share: $26.67

Value: $46,725.84

Shares Owned: 31,485

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-19	Gilfeather, Michael J	Director,Officer	President and CEO	Indirect	Purchase	200	31.25	$6,250.00	16,400	4
2025-12-11	Dineen, David P	Officer	SVP, Dir. Wealth Services	Direct	Sale	1,000	28.88	$28,880.00	8,214	4
2025-10-31	Gilfeather, Michael J	Director,Officer	President and CEO	Direct	Purchase	1,300	24.02	$31,226.00	106,788	4
2025-06-04	Schiller, Jon	Director	-	Direct	Purchase	6,451	23.25	$149,985.75	12,446	4
2025-05-16	Ruhl, Joseph A	Officer	Reg Pres, Westchester County	Direct	Sale	1,752	26.67	$46,725.84	31,485	4
2025-05-05	Coulter, Michael J	Officer	EVP and CLO	Direct	Sale	2,497	26.17	$65,346.49	4,984	4
2025-05-02	Sousa, Gregory	Officer	EVP and Deputy CLO	Direct	Sale	2,440	24.70	$60,268.00	10,280	4
2024-12-02	Rooney, Stephen	Officer	SVP, Chief Credit Officer	Direct	Sale	700	58.31	$40,817.00	3,175	4
2024-11-21	Ruhl, Joseph A	Officer	Reg Pres, Westchester County	Direct	Sale	910	57.75	$52,552.50	14,464	4
2024-11-06	Listner, Michael	Officer	SVP and Chief Risk Officer	Direct	Sale	589	59.55	$35,074.95	3,072	4
2024-11-05	Sousa, Gregory	Officer	EVP and Deputy CLO	Direct	Sale	426	55.00	$23,430.00	4,252	4
2024-11-04	Coulter, Michael J	Officer	EVP and CLO	Direct	Sale	426	52.83	$22,505.58	4,535	4
2024-11-01	Gilfeather, Michael J	Director,Officer	President and CEO	Direct	Purchase	400	55.67	$22,268.00	43,295	4
2024-05-15	Sousa, Gregory	Officer	EVP and Deputy CLO	Direct	Sale	639	49.25	$31,470.75	4,918	4
2024-05-14	Sousa, Gregory	Officer	EVP and Deputy CLO	Direct	Sale	12	49.50	$594.00	5,557	4
2024-05-06	Coulter, Michael J	Officer	EVP and CLO	Direct	Sale	1,000	51.84	$51,840.00	5,201	4
2024-05-03	Listner, Michael	Officer	SVP and CCO	Direct	Sale	264	50.00	$13,200.00	3,781	4
2023-12-18	Rooney, Stephen	Officer	SVP, Chief Credit Officer	Direct	Sale	640	56.06	$35,878.40	2,485	4
2023-12-15	Coulter, Michael J	Officer	EVP and CLO	Direct	Sale	1,500	56.00	$84,000.00	4,164	4
2023-11-14	Listner, Michael	Officer	SVP and CCO	Direct	Sale	213	44.00	$9,372.00	2,627	4
2023-11-07	Coulter, Michael J	Officer	EVP and CLO	Direct	Sale	1,195	44.50	$53,177.50	5,664	4
2023-11-03	Coulter, Michael J	Officer	EVP and CLO	Direct	Sale	305	44.75	$13,648.75	6,859	4
2023-11-02	Sousa, Gregory	Officer	EVP and CCBO	Direct	Sale	1,135	44.14	$50,098.90	3,752	4
2023-09-18	Gilfeather, Michael J	Director,Officer	President and CEO	Direct	Purchase	350	46.84	$16,394.00	34,519	4
2023-08-07	Coulter, Michael J	Officer	EVP and CLO	Indirect	Sale	784	48.85	$38,298.40	15	4
2023-07-31	Listner, Michael	Officer	SVP and CCO	Direct	Sale	376	46.43	$17,457.68	2,959	4
2023-07-28	Coulter, Michael J	Officer	EVP and CLO	Direct	Sale	1,000	46.09	$46,090.00	7,404	4
2023-05-25	Heimbach, Louis	Director	-	Direct	Purchase	1,051	31.85	$33,474.35	56,713	4
2023-05-03	Keane, Kevin J	Director	-	Indirect	Purchase	1,216	32.33	$39,313.28	3,700	4
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Institutional Ownership

No data available for chart

2026-03-31

53.89%

Inst. Shares: 7,194,852

Shares Outstanding: 13,351,885

2025-12-31

57.87%

Inst. Shares: 7,238,774

Shares Outstanding: 12,508,985

2025-09-30

54.61%

Inst. Shares: 7,283,726

Shares Outstanding: 13,337,890

2025-06-30

60.34%

Inst. Shares: 7,237,305

Shares Outstanding: 11,994,815

2025-03-31

45.34%

Inst. Shares: 5,138,092

Shares Outstanding: 11,331,884

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	7,194,852	13,351,885	53.89%
2025-12-31	7,238,774	12,508,985	57.87%
2025-09-30	7,283,726	13,337,890	54.61%
2025-06-30	7,237,305	11,994,815	60.34%
2025-03-31	5,138,092	11,331,884	45.34%
2024-12-31	5,073,880	11,303,118	44.89%
2024-09-30	5,001,526	11,307,808	44.23%
2024-06-30	4,954,748	11,282,868	43.91%
2024-03-31	4,331,878	11,269,874	38.44%
2023-12-31	4,306,248	11,258,300	38.25%
2023-09-30	4,271,898	11,259,284	37.94%
2023-06-30	4,206,262	11,258,060	37.36%
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Orange County Bancorp, Inc. /DE/ (OBT) — SEC Financial Statements & Analysis

Orange County Bancorp, Inc. /DE/ (OBT) is a state commercial banks company, incorporated in DE. Orange County Bancorp, Inc. /DE/ trades on Nasdaq as: OBT. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Orange County Bancorp, Inc. /DE/ reported a 7.80% year-over-year revenue growth, a Gross Profit Margin of 80.40% (TTM), a Price-to-Sales (P/S) ratio of 3.55x (TTM), a Price-to-Book (P/B) ratio of 1.61x (TTM), at a market cap of $492.17M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 7.80%
Gross Profit Margin TTM: 80.40%
P/S TTM: 3.55x
P/B TTM: 1.61x
Market Cap: $492.17M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Orange County Bancorp, Inc. /DE/ in?

Orange County Bancorp, Inc. /DE/ (OBT) operates in the State Commercial Banks industry.

What is OBT's market cap?

Orange County Bancorp, Inc. /DE/ (OBT) has a market capitalization of $492.17M as of 2026-06-30.

What is OBT's P/E ratio?

Orange County Bancorp, Inc. /DE/ (OBT)'s trailing twelve month P/E ratio is 10.39x as of 2026-06-30.

What exchange does OBT trade on?

Orange County Bancorp, Inc. /DE/ (OBT) trades on the Nasdaq.

Where is Orange County Bancorp, Inc. /DE/ incorporated?

Orange County Bancorp, Inc. /DE/ is incorporated in DE.