Stocktoria
Orange County Bancorp, Inc. /DE/ OBT
Orange County Bancorp, Inc. /DE/ (OBT) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.43% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OBT | Orange County Bancorp, Inc. /DE/ | 4/9 | — | 11.9 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About Orange County Bancorp, Inc. /DE/
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. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
FAQ
Is OBT financially healthy?
Orange County Bancorp, Inc. /DE/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does OBT pay a dividend, and is it safe?
Yes. Orange County Bancorp, Inc. /DE/ pays a dividend yielding about 1.43% with a 17.1% payout ratio, rated “safe” for safety.
How profitable is OBT?
In FY2025, Orange County Bancorp, Inc. /DE/ had a return on equity of 14.6%.
Is OBT overvalued or undervalued?
Orange County Bancorp, Inc. /DE/ trades at about 11.7× trailing earnings — above its 10-year norm (10-year range 9.3×–11.0×, median 10.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for OBT?
The average Wall-Street price target for Orange County Bancorp, Inc. /DE/ is $39.00, about 0.1% above the recent price, from 2 analysts.
Is OBT a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Orange County Bancorp, Inc. /DE/: a Piotroski F-score of 4/9, a P/E of about 11.9×, a dividend yield of 1.43%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.