# Orange County Bancorp share price today (Orange County Bancorp, Inc., OBT)

> Orange County Bancorp, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 99% of past readings. OBT · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/obt

Sector Alpha also publishes a daily newsletter that explains one Indian stock at a time: https://newsletter.sectoralpha.in/?utm_source=sectoralpha&utm_medium=ai_text&utm_campaign=llms

## Key numbers

- Business trend: Turning around, from the last 12 quarters
- Price: $40.42 (+53.5% in a year)
- P/BV: 1.8× (higher than 99% of the last 1 year)
- Revenue (Jun 2026): $28.8 M (−5.0% on a year ago)
- Profit (Jun 2026): $13.7 M (+30.6% on a year ago)
- Net margin: 47.4% (+12.9 points on a year ago)
- ROE: 17%, FY25
- ROA: 1.85%, latest

The main question: results are strong, and the P/BV is higher than 99% of its own history. ## What is the Orange County Bancorp share price today? Orange County Bancorp, Inc.'s share price was $40.42 at the close on 4 November 2026. That is 13.5% above its average price over the last 200 trading days. In the last 52 weeks it traded between $26 and $40, and at that close it was at the high of that range. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 1 year the share price moved +48% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Orange County Bancorp pay? Orange County Bancorp, Inc. paid $0.67 per share over the last four reported quarters. The most recent declaration was $0.18 for Jun 2026. At today's price of $40.42 that is a yield of 1.66%, based on dividends already paid, not a forecast. ## Which stock lists is Orange County Bancorp on? Orange County Bancorp is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Orange County Bancorp profitable? Orange County Bancorp, Inc. earned $13.7 M of net profit in the Jun 2026 quarter, +30.6% on the same quarter a year earlier. That is the 5th quarter in a row of profit growth. Full-year FY25 profit was $41.6 M. Over 4 years profit has grown 18.2% a year on average. That is 47.4% of the quarter's revenue. The same quarter a year earlier earned $10.5 M. For the full year, FY25 profit was $41.6 M (+49.2% on the year before). Why profit moved: revenue changed −5.0% on a year earlier and the margin moved +12.9 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +86.3% and revenue +19.1%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Orange County Bancorp make, and is it growing? Orange County Bancorp, Inc. reported $28.8 M of income in the Jun 2026 quarter, −5.0% on the same quarter a year earlier. Over 4 years it has grown 14.2% a year on average. The last full year, FY25, came in at $119 M. The last four reported quarters add to $123 M. FY25 revenue was $119 M, +19.4% on the year before. Recent pace: the last four quarters grew +19.1% on average, against 14.2% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +16.3%, against +9.2% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +60.4%, against +16.9% a year (accelerating). ## How much does Orange County Bancorp keep from what it earns? Orange County Bancorp, Inc.'s net margin was 47.4% in the Jun 2026 quarter, 12.9 percentage points higher than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 5 years it has been between 27.9% and 34.8%. The latest quarter is above every full year in that period. Across 5 years it has been between 27.9% and 34.8%, and FY25's 34.8% is the highest of them. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. When margins are at a record, every ratio built on profit looks better than usual, so watch whether they hold. ## How many of Orange County Bancorp's loans have gone bad? Orange County Bancorp, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Orange County Bancorp's loan book growing? Orange County Bancorp, Inc.'s revenue was $119 M in FY25, +19.4% on the year before, so the loan book is growing. The latest quarter was −5.0% on a year earlier. The net margin on that income is 47.4%, +12.9 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Orange County Bancorp's P/BV ratio, and how does it compare with its own history? Orange County Bancorp, Inc.'s P/BV is 1.8×, about the highest it has ever been. Its usual P/BV (the middle reading) is 1.5×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +53.5%. The price ran ahead of book value, which pushed the multiple up within its own range. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Orange County Bancorp business getting better or worse? Orange County Bancorp, Inc.'s business is turning around. Profit growth has swung from −14.8% at its low to +60.4%, rising from a low 4 quarters ago, with ROE steady at 15.5%. This is based on 12 quarters of 4 measures. Why it matters: a turn in growth is often where a bigger change starts. The lines say a turn is forming, so the question is whether the next quarters confirm it. ## How much does Orange County Bancorp earn on its equity and assets? Orange County Bancorp, Inc. earned a return on equity of 15% in FY25. Its lowest yearly reading on file was 12% in FY21. On its assets, every $100 earned about $1.85, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 18.2% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Orange County Bancorp have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Orange County Bancorp shareholding pattern? 1.3% of Orange County Bancorp, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so very few traders are betting against this stock. At normal trading volumes, closing those positions would take about 2.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Orange County Bancorp from balance-sheet trouble? For Orange County Bancorp, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Orange County Bancorp rank in its industry? There is no score against its industry: Orange County Bancorp, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Orange County Bancorp compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Orange County Bancorp in size? Orange County Bancorp is the 209th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Northpointe Bancshares, Inc., Sierra Bancorp and Northrim BanCorp, Inc. Just below it: Ponce Financial Group, Inc., West Bancorporation, Inc. and Citizens & Northern Corporation. ### Banks - Regional companies close in size

1. [Northpointe Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/npb) $558 million
2. [Sierra Bancorp](https://www.sectoralpha.in/us/stocks/bsrr) $548 million
3. [Northrim BanCorp, Inc.](https://www.sectoralpha.in/us/stocks/nrim) $545 million
4. Orange County Bancorp, Inc. $542 million
5. [Ponce Financial Group, Inc.](https://www.sectoralpha.in/us/stocks/pdlb) $536 million
6. [West Bancorporation, Inc.](https://www.sectoralpha.in/us/stocks/wtba) $531 million
7. [Citizens & Northern Corporation](https://www.sectoralpha.in/us/stocks/cznc) $513 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Concrete Pumping Holdings, Inc.](https://www.sectoralpha.in/us/stocks/bbcp) $533 million · Engineering & Construction
2. [JinkoSolar Holding Co., Ltd.](https://www.sectoralpha.in/us/stocks/jks) $532 million · Solar
3. Orange County Bancorp, Inc. $530 million
4. [Oil States International, Inc.](https://www.sectoralpha.in/us/stocks/ois) $530 million · Oil & Gas Equipment & Services
5. [Universal Health Realty Income Trust](https://www.sectoralpha.in/us/stocks/uht) $530 million · REIT - Healthcare Facilities

## What else do people ask about Orange County Bancorp? ### What were Orange County Bancorp's latest quarterly results? Orange County Bancorp, Inc. reported total income of $28.8 M and net profit of $13.7 M for the Jun 2026 quarter. Income fell 5.0% and profit rose 30.6% compared with a year earlier. Earnings per share were $1.02 (as of 4 November 2026). ### What is Orange County Bancorp's market cap? Orange County Bancorp, Inc.'s market capitalisation is $542 M at a stock price of $40.42. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Orange County Bancorp performing? Orange County Bancorp, Inc.'s latest readings are below. In its latest quarter, income fell 5.0% and profit rose 30.6% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running. This describes what the data did, not a rating (as of 4 November 2026). ### Will Orange County Bancorp's stock price go up? This page does not forecast Orange County Bancorp, Inc.'s stock price. What it shows instead: the stock price is $40.42. Its P/BV of 1.8× is higher than 99% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 4 November 2026). ### Where is Orange County Bancorp in its business cycle? Orange County Bancorp, Inc.'s FY25 net margin was 34.8%, against a 5-year range of 27.9% to 34.8%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 47.4%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Orange County Bancorp story? The main question: results are strong, and the P/BV is higher than 99% of its own history. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Orange County Bancorp a stock worth studying right now? What the numbers show: Orange County Bancorp, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 99% of past readings. The main open question: whether earnings grow enough to match the multiple. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.