OBT

Orange County Bancorp, Inc.

Financial Services · $497M market cap

Verdict

Share price

$37.73

close of Oct 3, 2026

Fair value

$73.84

Sticker Price

Payback Price

$29.53

buy price

Undervalued

OBT is Undervalued: at $37.73 it trades 49% below its fair value of $73.84. Its buy price (Payback Price) is $29.53, 22% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth15.9% a year✓
Equity per share growth-3.0% a year✗
Sales growth15.0% a year✓
Free cash flow growth15.6% a year✓
Return on invested capital8.8%✗

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Superinvestors

1 of the investors we track holds OBT. Who we track

Insider activity

Since Jul 30, 2026: no open-market purchases and 3 sales worth $176K. Why purchases matter

Sales

About Orange County Bancorp, Inc.

Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works