Orange County Bancorp Inc. Common Stock (OBT)

FairStock Score: 75/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Orange County Bancorp as a small, understandable regional bank: a $495.8 million market cap, 235 employees, serving commercial, private-banking and trust customers. The attraction is profitability. FairStock calculates an ROE of 16.95% and a P/B of 1.62 at the 2026-10-13 close. With EPS of $3.56 and a P/E of 10.39, the market is not paying a lofty price for those returns. The filed figures show recovery: net income was $10.0 million in fiscal Q3 2025, the quarter ended 2025-09-30; $11.3 million in fiscal Q1 2026, the quarter ended 2026-03-31; and $13.7 million in fiscal Q2 2026, the quarter ended 2026-06-30. Diluted EPS was $1.02 in that latest quarter versus $0.87 in fiscal Q2 2025, the quarter ended 2025-06-30. For FY2025, the year ended 2025-12-31, net income was $41.6 million and diluted EPS $3.33, up from $27.9 million and $2.47 in FY2024, the year ended 2024-12-31, although FY2023, the year ended 2023-12-31, was $29.5 million and $2.62. The Lynch category is STALWART, with profit growing 28.9% a year over five years, and FairStock's PEG of 0.14 hints growth may be underexplored. A beta of 0.43 and a 1.95% dividend yield add a defensive tilt. The moat, if any, is local relationships and switching costs in business banking, not a wide franchise. Piotroski 4/9 is mediocre, and CET1, NIM and combined ratio are not in the data. I would call this a reasonably priced, above-average small bank, not a sure thing.

In plain English: Orange County Bancorp is a small bank holding company that takes deposits, makes commercial and consumer loans, and offers private banking and trust services. The company earned $13.7 million in the quarter ended June 30, 2026, up from $10.5 million a year earlier, so profits are improving. At the recent close, the stock looks moderately priced rather than obviously cheap or expensive relative to its profits and net worth.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer