# Orange County Bancorp Inc. (OBT) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $38.72, market value $519 million.

## Valuation
- **P/E (trailing): 10.9×** (5-yr avg 9.8×, 3-yr avg 10.1×). Orange County Bancorp Inc. trades at 10.9× trailing earnings, close to its own five-year average of 9.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.30**. A PEG of 0.30 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.5%** (5-yr avg 11.4%). Free cash flow equals 12.5% of the market value, in line with its five-year average of 11.4%. Above 5% is generally attractive.
- **Earnings yield: 9.2%**. The inverse of the P/E: 9.2% of the price is earned each year.

## Profitability
- **Return on equity: 14.6%**. 14.6% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 34.8%** (3-yr 15.4%/yr, 5-yr 20.8%/yr). Earnings per share rose 34.8%.
- **Free-cash-flow growth (3 yr): 12.6%/yr**. Free cash flow has compounded at 12.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Dividends
- **Dividend yield: 1.86%** ($0.67 per share, trailing). Orange County Bancorp Inc. yields 1.86%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 17%** (14% of free cash flow). 17% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 6**. 6 straight years of increases.
- **Dividend growth (5 yr): 7.3%/yr** (1-yr 21.3%). The dividend has grown 7.3% a year over five years.

## Analyst view
- **Analyst consensus: strong_buy** (3 analysts). 3 analysts cover Orange County Bancorp Inc.; the consensus is strong_buy, with an average price target of $43.33 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 46.9%** (YTD 37.1%, 3-mo 11.0%). The shares are up 46.9% over twelve months including dividends.
- **From 52-week high: -3.4%** (66.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.51** (volatility 27%). Beta of 0.51 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OBT · Page: https://foliofundamentals.com/stocks/obt

Not investment advice.