OBT PE Ratio & Valuation, Is OBT Overvalued
This article analyzes the valuation of Orange County Bancorp Inc (OBT), concluding it is currently undervalued. Despite a P/S ratio slightly above the industry average, its strong revenue growth supports this premium. The article also details OBT's Price-to-Book ratio, Free Cash Flow yield, and Forward P/E and P/S ratios.
Orange County Bancorp Experiences Revision in Its Stock Evaluation Amidst Competitive Market Dynamics
Orange County Bancorp has adjusted its stock valuation, now featuring a competitive price-to-earnings ratio of 10 and a price-to-book value of 1.48. The company shows strong financial health with a high return on capital employed at 46.07% and an appealing dividend yield of 1.68%. This revision highlights the bank's robust financial standing within a competitive regional banking market, comparing favorably to some peers while acknowledging others with lower P/E ratios.
Orange County Bancorp (OBT) director awarded new phantom stock units
Orange County Bancorp director Richard B. Rowley was granted 701 new phantom stock units, bringing his total phantom holdings to 25,570. These units, valued at a reference price of $32.32 each, are a form of compensation economically equivalent to common stock and become payable upon his separation from service. Rowley also directly holds 537,134 shares of common stock, with this award being a routine grant that does not involve an open-market transaction.
Orange County Bancorp (OBT) director granted phantom stock tied to common shares
Orange County Bancorp director Marianna R. Kennedy received an equity award of 175 phantom stock units on April 1, 2026. These units are economically equivalent to common stock and become payable upon her separation from service as a director. Following this transaction, Kennedy holds 10,089 phantom stock units and 1,466 shares of common stock directly, in addition to restricted stock units.
Orange County Bancorp (OBT) director granted new phantom stock units
Jonathan F. Rouis, a director at Orange County Bancorp (OBT), was granted 139 new phantom stock units priced at $32.32 each. This compensation award increases his total phantom stock holdings to 7,222 units, which are economically equivalent to common shares and become payable upon his separation from board service. Rouis also directly holds 9,166 common shares and indirectly holds 400 shares through his spouse.
Orange County Bancorp (OBT) director awarded phantom stock tied to shares
Orange County Bancorp director Gregory F. Holcombe was granted phantom stock economically equivalent to 701 shares of common stock, increasing his total phantom stock holdings to 24,847 units. These phantom units, valued at $32.32 each, are payable upon his separation from service as a director, aligning his compensation with the company's long-term performance. The Form 4 filing also details his direct and indirect common stock holdings, with no open-market trades reported.
Orange County Bancorp (OBT) director granted phantom stock and holds OBT shares
Orange County Bancorp director Kevin J. Keane was granted phantom stock units economically equivalent to 622 shares of common stock, valued at $32.32 per share, on April 1, 2026. This increases his total phantom stock balance to 18,102 units, which will be settled in common shares upon his separation from service. Keane also directly holds 19,266 common shares, with additional holdings through a partnership and a 401(k) plan, reflecting long-term incentive and retirement-related interests.
Director at Orange County Bancorp (NASDAQ: OBT) gets phantom stock grant
Orange County Bancorp director Jon Schiller was granted 622 shares of phantom stock on April 1, 2026, at a reference price of $32.32 per share. This award, which is economically equivalent to common stock, becomes payable upon his separation from service. Following this grant, Schiller holds 5,433 phantom stock units and 12,473 shares of common stock, with additional restricted stock units vesting in February 2027.
Orange County Bancorp (OBT) director awarded phantom stock tied to common shares
Orange County Bancorp director Olga Luz Tirado was granted 155 phantom stock units, which are economically equivalent to common shares and become payable upon her separation from service. Following this grant, Tirado holds 532 phantom stock units and 2,963 shares of common stock directly. The related restricted stock units are set to vest 100% on February 19, 2027.
Price-Driven Insight from (OBT) for Rule-Based Strategy
This article provides a price-driven insight for Orange County Bancorp Inc (NYSE: OBT) using AI models to generate rule-based trading strategies. It highlights weak near-term sentiment but potential long-term strength, with a strong risk-reward setup targeting a 10.0% gain. The analysis includes position trading, momentum breakout, and risk hedging strategies, along with multi-timeframe signal analysis for support and resistance levels.
Orange County Bancorp, Inc. (NASDAQ:OBT) Short Interest Up 51.8% in March
Orange County Bancorp, Inc. (NASDAQ:OBT) experienced a 51.8% increase in short interest during March, reaching 81,413 shares. Despite this, institutional investors have been buying, and analysts hold a consensus "Moderate Buy" rating with an average price target of $37.00. The company reported strong Q2 earnings, beating estimates, and offers a quarterly dividend with a 2.3% yield.
Orange County Bancorp Experiences Revision in Its Stock Evaluation Amid Strong Performance Metrics
Orange County Bancorp, Inc. has recently seen its stock evaluation adjusted, reflecting a modest increase in its stock price. The company has showcased strong performance over the last year, outperforming the S&P 500 with a 31.69% stock return. Key financial metrics such as a P/E ratio of 10, a P/B value of 1.48, and high ROCE and ROE indicate robust operational efficiency and profitability within the regional banking sector.
CEO deal at Orange County Bancorp (NASDAQ: OBT) extended to 2029
Orange County Bancorp (NASDAQ: OBT) has extended the employment agreement of its President and CEO, Michael J. Gilfeather, through March 31, 2029. This extension covers his roles at both the holding company and Orange Bank & Trust Company. Additionally, a discretionary employer contribution of $125,000 for the 2028 plan year was added to his supplemental executive retirement plan, which will fully vest on March 30, 2029.
Orange County Bancorp CEO Gilfeather acquires $6,249 in OBT stock By Investing.com
Orange County Bancorp CEO Michael J. Gilfeather purchased 200 shares of OBT common stock for $6,249 but also disposed of 6,189 shares to cover tax obligations. Despite the disposition, Gilfeather holds a significant number of direct and indirect shares, including restricted stock units and phantom stock. These transactions occurred as OBT shares have risen 26% over the past six months, with the company trading at a P/E ratio of 9.6 and offering a 2.25% dividend yield.
Orange County Bancorp CEO Gilfeather acquires $6,249 in OBT stock
Orange County Bancorp CEO Michael J. Gilfeather recently purchased 200 shares of OBT stock for $6,249 but also disposed of 6,189 shares worth $192,787 to cover tax obligations. Following these transactions, Gilfeather directly owns 129,449 shares and indirectly 16,400 shares, alongside restricted stock units and phantom stock. The company's shares have risen 26% in six months, and it offers a 2.25% dividend yield with a P/E ratio of 9.6.
[Form 4] Orange County Bancorp, Inc. /DE/ Insider Trading Activity
Orange County Bancorp, Inc.'s Senior Vice President and Chief Operating Officer, Elizabeth A. Jones, reported insider trading activity. She received a grant of 3,792 shares, increasing her holdings to 11,922 shares, then disposed of 656 shares to cover tax obligations, resulting in a direct holding of 11,266 shares. The report details the vesting schedule for her restricted stock units.
Orange County Bancorp (OBT) CFO granted 5,059 shares; 1,177 used for tax withholding
Orange County Bancorp's EVP and CFO, Michael Lesler, was granted 5,059 shares of common stock on March 19, 2026, as a stock award. Concurrently, 1,177 shares were disposed of at $31.15 per share to cover tax obligations. Following these transactions, Lesler directly holds 16,216 shares, with additional indirect holdings through a 401(k) and IRA, and phantom stock units.
Orange County Bancorp (OBT) risk chief granted stock and tax shares withheld
Orange County Bancorp's SVP and Chief Risk Officer, Michael Listner, received a grant of 2,827 shares of common stock at $0.0000 per share. Concurrently, 832 shares were disposed of at $31.15 each to cover tax obligations related to this award. Following these transactions, Listner directly holds 9,969 shares, which include restricted stock units that will vest in equal one-third installments starting in March 2025, 2026, and 2027.
Orange County Bancorp (OBT) credit chief awarded shares, some withheld for taxes
Orange County Bancorp's SVP and Chief Credit Officer, Stephen Rooney, received a grant of 2,812 shares of Common Stock on March 19, 2026, as part of his equity compensation. Concurrently, 841 shares were disposed of at $31.15 each to cover tax obligations, not representing a market sale. After these transactions, Rooney directly holds 10,106 shares, which include restricted stock units set to vest in annual thirds starting from 2025.
Orange County Bancorp (OBT) executive gets stock award, shares withheld for taxes
Joseph A. Ruhl, Regional President of Orange County Bancorp, received a grant of 5,133 shares of common stock as compensation. Concurrently, 1,377 shares were disposed of at $31.15 each to cover tax obligations, resulting in Ruhl directly holding 34,782 shares. His holdings include restricted stock units with vesting schedules in 2025, 2026, and 2027.
Orange County Bancorp (OBT) EVP Sousa reports stock grant and tax withholding
Orange County Bancorp's EVP and Deputy CLO Gregory Sousa reported receiving a grant of 5,056 shares of common stock at no cost. Simultaneously, 1,307 shares were withheld to cover tax obligations at a price of $31.15 per share. Following these transactions, Sousa directly holds 13,619 Common Stock shares and has additional indirect holdings through a 401(k) plan and Phantom Stock tied to Common Stock.
Orange County Bancorp (OBT) SVP gets 4,333-share grant, 790 withheld
Orange County Bancorp SVP David P. Dineen received a grant of 4,333 shares of Common Stock on March 19, 2026, with 790 shares withheld at $31.15 each for tax obligations. After these transactions, he directly holds 11,480 shares and indirectly holds 2,780 shares through a 401(k) plan. This Form 4 filing details equity compensation and tax withholding, not open-market trading.
Stock grants and small share purchase by Orange County Bancorp (OBT) CEO
Orange County Bancorp's President and CEO, Michael J. Gilfeather, reported compensation-related equity activity, including receiving two common stock awards totaling 26,291 shares, with 6,189 shares withheld for taxes. He also made a small open-market purchase of 200 common stock shares for his IRA. These transactions increased his direct holdings to 129,449 shares and indirect IRA holdings to 16,400 shares, in addition to 26,460 phantom stock units.
Orange County Bancorp (NASDAQ:OBT) Lowered to Hold Rating by Wall Street Zen
Wall Street Zen has downgraded Orange County Bancorp (NASDAQ:OBT) from a "buy" to a "hold" rating, though other analysts maintain a "buy" consensus with price targets raised by Piper Sandler and Hovde. Despite the downgrade, the company recently surpassed quarterly earnings expectations with strong profitability. Orange County Bancorp also saw significant new positions purchased by institutional investors in the last quarter.
Orange County Bancorp Experiences Revision in Its Stock Evaluation Amid Competitive Landscape
Orange County Bancorp's stock has undergone a valuation adjustment, with its current price at $31.15. While the company delivered a 29.74% return over the past year, outperforming the S&P 500, its three-year return is significantly negative at -39.34%. Key metrics include a P/E ratio of 10 and a dividend yield of 1.68%, but competitive valuations from peers like Financial Institutions, Inc. and Bridgewater Bancshares, Inc. highlight challenges in the market.
OBT SEC Filings - Orange Cnty Bancorp Inc 10-K, 10-Q, 8-K Forms
This page provides a comprehensive resource for investors and traders seeking official regulatory documents of Orange Cnty Bancorp Inc. (OBT), including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms. It offers centralized access to public disclosures filed with the U.S. Securities and Exchange Commission, enhanced with AI-powered summaries and real-time integration with the SEC’s EDGAR system. The article also details recent insider transactions and current stock data for OBT.
OBT SEC Filings - Orange Cnty Bancorp Inc 10-K, 10-Q, 8-K Forms
This page provides a comprehensive resource for investors and traders to access Orange Cnty Bancorp Inc (OBT) SEC filings, including annual 10-K reports, quarterly 10-Q reports, 8-K material event filings, and insider trading forms. Stock Titan offers AI-powered summaries of these documents and real-time integration with the SEC's EDGAR system. Recent filings highlight a director's stock sale, a cash dividend declaration, and increased earnings with a capital raise for Orange Cnty Bancorp.
Director at Orange County Bancorp (NASDAQ: OBT) awarded phantom stock units
Orange County Bancorp director Gregory F. Holcombe was granted phantom stock units linked to 138 shares of common stock, valued at $31.29 per unit. This award is compensation and not an open-market trade. Following this, Holcombe directly holds 24,146 phantom stock units, which will be settled in common shares upon his departure as a director.
Orange County Bancorp (OBT) CEO awarded new phantom stock units
Orange County Bancorp's President and CEO, Michael J. Gilfeather, has been granted new phantom stock units tied to 151 shares of common stock, valued at $31.29 per share. This grant increases his total phantom stock balance to 26,460 units, which are economically equivalent to common stock and become payable upon his separation from service as a director. The filing also indicates his significant direct and indirect holdings of common shares, reinforcing his long-term equity stake in the company.
Orange County Bancorp (OBT) Net Margin Expansion Reinforces Bullish Profitability Narratives
Orange County Bancorp (OBT) reported strong FY 2025 results with a significant net margin expansion to 34.8% and 49.2% earnings growth, reinforcing bullish profitability narratives. While loan growth is robust, an increase in non-performing loans presents a potential concern for bears. The stock's valuation is currently above peers but below the broader industry and its calculated DCF fair value, suggesting a potential undervaluation despite credit quality debates.
Director at Orange County Bancorp (OBT) receives phantom stock and RSU awards
Richard B. Rowley, a director at Orange County Bancorp (OBT), reported receiving an award of phantom stock economically equivalent to 142 shares and also holds restricted stock units. This grant increased his phantom stock holdings to 24,869 units, with each unit tied to one common share and payable upon his separation from service. Additionally, Rowley directly holds 537,134 common shares, including RSUs that vest on specified future dates.
Orange County Bancorp (OBT) director logs new phantom stock grant
Orange County Bancorp director Marianna R. Kennedy reported a new grant of phantom stock tied to 57 shares, increasing her total phantom stock balance to 9,914 units. Each unit is economically equivalent to one common share and becomes payable upon her separation from service. Kennedy also directly owns 1,466 shares of common stock, with additional restricted stock units vesting either immediately or by February 19, 2027.
Orange County Bancorp (OBT) director granted new phantom stock units
Orange County Bancorp director Olga Luz Tirado received a phantom stock award tied to 2 shares of common stock, increasing her total phantom stock-based units to 377 at a reference price of $31.29 per share. Following this transaction, Tirado directly holds 2,963 shares of the company's common stock. These phantom stock units, along with related restricted stock units, are set to be settled in issuer common stock upon her separation from service as a director.
Orange County Bancorp (OBT) director awarded new phantom stock units
Orange County Bancorp director Kevin J. Keane was granted phantom stock representing 100 shares of common stock on March 16, 2026, valued at $31.29 per unit. These phantom shares, which are economically equivalent to common stock, become payable upon his separation from service as a director. This grant increased his total phantom stock units to 17,480, in addition to his direct and indirect common stock holdings.
Orange County Bancorp (OBT) director awarded new phantom stock units
Orange County Bancorp director William D. Morrison was granted 12 phantom stock units, economically equivalent to common shares, as part of his compensation. This Form 4 filing indicates an equity-based incentive rather than an open-market transaction. Following this grant, Morrison directly holds 102,510 common shares and 2,166 phantom stock units, alongside additional indirect holdings in IRAs.
Orange County Bancorp (OBT) EVP awarded phantom stock tied to shares
Orange County Bancorp's EVP and Deputy CLO, Gregory Sousa, was granted phantom stock tied to 28 common shares at $31.29 per unit on March 16, 2026, increasing his phantom stock balance to 4,943 units. This award is part of a Performance-Based SERP and may be settled in company stock. Sousa also directly holds 9,870 shares of common stock, including restricted stock units vesting through March 2026, and indirectly holds 6,794 shares via a 401(k) plan.
Orange County Bancorp (OBT) director logs stock awards and share return
Orange County Bancorp director Gregory F. Holcombe reported compensation-related equity awards and a share disposition in a recent SEC Form 4/A filing. Holcombe received phantom stock equivalent to 1,011 shares and 866 restricted stock units, while also returning 995 shares to the issuer, bringing his direct holdings to 68,824 common shares. The filing details primarily deferred equity-based compensation and no open-market transactions.
Orange County Bancorp (OBT) Net Margin Expansion Reinforces Bullish Profitability Narratives
Orange County Bancorp (OBT) posted strong FY 2025 results with fourth-quarter revenue of US$31.5 million and basic EPS of US$0.93, alongside a significant expansion in its trailing net profit margin to 34.8% from 27.9% a year prior. While the company demonstrates robust earnings growth of 49.2% and a solid net interest margin, concerns arise from an increase in non-performing loans, which grew from US$6.21 million to US$11.13 million. OBT's valuation at 10.1x P/E is above peers but below the industry average, with a DCF fair value notably higher than its current share price.
Orange County Bancorp 10-K: Net income $41.6M, EPS $3.33; NII growth to $104.1M
Orange County Bancorp (OBT) reported full-year net income of $41.6 million and diluted earnings per share of $3.33, a significant increase from the previous year. This growth was primarily driven by a 13.4% rise in net interest income to $104.1 million, supported by increased loan balances and yields, and a 44.9% increase in noninterest income. The company also highlighted significant revenue growth, expansion in loans and deposits, and investments in technology and staffing, while noting an increase in non-performing assets requiring intensified asset reviews.
Banc Funds Co. LLC Cuts Holdings in Orange County Bancorp, Inc. $OBT
Banc Funds Co. LLC decreased its stake in Orange County Bancorp, Inc. (NASDAQ:OBT) by 24.9% in the third quarter, reducing its holdings to 247,853 shares valued at approximately $6.25 million. Despite this reduction, other institutional investors increased their positions, and the company reported strong quarterly earnings, exceeding analyst expectations for both EPS and revenue. Analysts have a "Moderate Buy" consensus rating for OBT with an average price target of $37.00.
Orange County Bancorp (OBT) risk chief reports small tax-withholding share move
Michael Listner, SVP and Chief Risk Officer of Orange County Bancorp (OBT), reported a tax-related disposition of 326 common shares at a price of $31.47 per share on March 10, 2026. This transaction was to cover tax obligations and was not an open-market sale. Following this, he directly holds 7,974 shares and also has restricted stock units that will vest in installments through March 2026.
Orange County Bancorp (OBT) CFO reports tax-related share withholding
Michael Lesler, CFO of Orange County Bancorp (OBT), reported a routine tax-related share disposition. On March 10, 2026, 271 shares of common stock were withheld at $31.47 per share to satisfy tax obligations, which is a non-market transaction. Following this, Lesler directly held 12,334 shares and indirectly held additional shares through a 401(k) and IRA, along with phantom stock units.
(OBT) as a Liquidity Pulse for Institutional Tactics
This article provides an in-depth analysis of Orange County Bancorp Inc (NYSE: OBT) using AI models to generate institutional trading strategies. Despite weak near and mid-term sentiment, the long-term outlook remains positive, with a notable 35.0:1 risk-reward setup. The analysis details specific entry, target, and stop-loss levels for position trading, momentum breakout, and risk hedging strategies.
Orange Bank & Trust promotes Joseph Ruhl to senior EVP
Orange Bank & Trust Company has promoted Joseph A. Ruhl to Senior Executive Vice President. Ruhl joined the bank in 2015 and has been instrumental in expanding its presence in Westchester County and the Northern Hudson Valley. The announcement highlights his leadership in commercial expansion, deposit-gathering initiatives, and strong client relationships.
Orange Bank & Trust Promotes Regional President, Joseph A. Ruhl to Senior Executive Vice President
Orange Bank & Trust Company has promoted Joseph A. Ruhl to Senior Executive Vice President in recognition of his leadership and contributions to the bank's growth in Westchester County and the Lower Hudson Valley. Ruhl, who joined the bank in 2015, has been instrumental in expanding regional deposits and strengthening business development. The promotion highlights his significant impact on the bank's commercial expansion and community engagement.
Orange County Bancorp, Inc. Announces Quarterly Dividend of $0.18 (NASDAQ:OBT)
Orange County Bancorp, Inc. (NASDAQ: OBT) declared a quarterly dividend of $0.18 per share, payable on March 16th to shareholders of record on March 4th, representing an annualized yield of 2.2%. The company reported strong quarterly earnings with an EPS of $0.93 against an estimate of $0.75, and analysts anticipate continued dividend coverage with a low payout ratio. Several analysts upgraded the stock, contributing to a "Moderate Buy" consensus rating and an average price target of $37.00.
Orange County Bancorp, Inc. (NASDAQ:OBT) Sees Significant Decrease in Short Interest
Orange County Bancorp (NASDAQ: OBT) experienced a 38.5% decrease in short interest during February, settling at 48,998 shares, which represents about 0.4% of outstanding shares and a days-to-cover ratio of 0.5. Several analysts have upgraded the stock, contributing to a "Moderate Buy" consensus rating and a $37 price target. The company recently surpassed earnings estimates and declared a quarterly dividend of $0.18 per share.
Director at Orange County Bancorp (OBT) receives stock awards and returns shares
Orange County Bancorp director Gregory F. Holcombe reported insider trading activity involving stock awards and a share disposition. On February 19, 2026, he acquired 866 shares of common stock as a grant and on February 20, 2026, he received a grant of phantom stock, increasing his phantom stock balance to 22,997 units. The same day, he disposed of 995 common shares back to the issuer, resulting in 68,824 directly held common shares and various indirect holdings.
Orange County Bancorp Declares Quarterly Cash Dividend Payment
Orange County Bancorp (OBT) announced a cash dividend of $0.18 per share on its common stock, payable on March 16, 2026, to shareholders of record as of March 4, 2026. This decision reflects the company's strong financial position, with approximately $2.6 billion in total assets, and its ongoing commitment to returning capital to investors. Analyst ratings currently suggest a "Buy" with a $36.00 price target, and TipRanks' AI Analyst rates OBT as "Outperform" due to its valuation and technical indicators.
Director at Orange County Bancorp (OBT) logs share grant, issuer disposition
Orange County Bancorp director Marianna R. Kennedy reported receiving an equity grant of 866 common shares and disposing of 995 common shares back to the issuer. Following these transactions, she directly holds 1,466 common shares. The filing also details her holdings in phantom stock and restricted stock units, which are economically equivalent to common shares and settle upon her separation from service.
