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1. Company Snapshot

1.a. Company Description

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals.It accepts various deposit products, 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.The company operates 14 full-service branches and one 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.

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1.b. Last Insights on OBT

The recent 3-month performance of Orange County Bancorp, Inc. was negatively impacted by a Q4 earnings miss, with net income decreasing to $7.2 million, or $0.63 per basic and diluted share, compared to $8.1 million, or $0.72 per basic and diluted share, in the same period last year. The decline in earnings was primarily due to an increase in non-interest expense, which offset gains in net interest income and non-interest income.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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3 Stocks to Watch That Announced Dividend Hikes Amid Market Volatility

Nov -28

Source: zacks.com

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5 Stocks Worth Watching on Recent Dividend Hikes

Nov -28

Source:

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Orange County Bancorp, Inc. Declares Cash Dividend

Nov -24

Source: globenewswire.com

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Orange County Bancorp, Inc. (OBT) Tops Q3 Earnings and Revenue Estimates

Oct -29

Source: zacks.com

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Orange County Bancorp, Inc. Announces Record Third Quarter 2025 Results

Oct -29

Source: globenewswire.com

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KBRA Assigns Ratings to Orange County Bancorp, Inc.

Sep -10

Source: businesswire.com

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KBRA Assigns Ratings to Orange County Bancorp, Inc.

Sep -10

Source: https://www.businesswire.com

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Alignment Health CEO Named “Founder of the Year” at 2025 LA Times Studios' OC Executive Forum & Leadership Awards

Aug -28

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (1.60%)

6. Segments

Forestry

Expected Growth: 1.5%

Orange County Bancorp's forestry segment growth of 1.5% is driven by increasing demand for sustainable wood products, government incentives for reforestation, and strategic land acquisitions. Additionally, the company's focus on efficient harvesting and processing techniques, as well as its diversified product offerings, contribute to its steady growth.

Trading

Expected Growth: 1.8%

Orange County Bancorp's 1.8% growth is driven by strong loan growth, fueled by a robust commercial and industrial loan pipeline, as well as continued expansion in the Southern California market. Additionally, the bank's focus on digital transformation and cost savings initiatives have contributed to improved operating efficiency, further supporting growth.

7. Detailed Products

Commercial Banking

Provides a range of financial services to businesses, including cash management, lending, and treasury management solutions.

Consumer Banking

Offers personal banking services, including checking and savings accounts, credit cards, and personal loans.

Mortgage Banking

Provides mortgage lending services to individuals and businesses, including residential and commercial mortgage loans.

Wealth Management

Offers investment and wealth management services, including financial planning, investment management, and trust services.

Treasury Management

Provides cash management and treasury services to businesses, including account management, payment processing, and fraud prevention.

8. Orange County Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Orange County Bancorp, Inc. is medium due to the presence of alternative financial institutions and digital banking platforms.

Bargaining Power Of Customers

The bargaining power of customers is low for Orange County Bancorp, Inc. as customers have limited negotiating power and the bank has a strong brand presence.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium for Orange County Bancorp, Inc. as the bank relies on a few large suppliers for technology and services.

Threat Of New Entrants

The threat of new entrants is high for Orange County Bancorp, Inc. due to the ease of entry into the banking industry and the presence of fintech startups.

Intensity Of Rivalry

The intensity of rivalry is high for Orange County Bancorp, Inc. due to the presence of several established banks and financial institutions in the market.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 60.65%
Debt Cost 5.85%
Equity Weight 39.35%
Equity Cost 5.85%
WACC 5.85%
Leverage 154.10%

11. Quality Control: Orange County Bancorp, Inc. passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Home Bancorp

A-Score: 6.5/10

Value: 7.3

Growth: 5.9

Quality: 6.2

Yield: 4.0

Momentum: 8.5

Volatility: 7.3

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Ohio Valley Banc

A-Score: 6.3/10

Value: 4.4

Growth: 4.7

Quality: 6.8

Yield: 6.0

Momentum: 9.5

Volatility: 6.3

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ChoiceOne Financial Services

A-Score: 6.1/10

Value: 5.5

Growth: 7.7

Quality: 5.4

Yield: 8.0

Momentum: 3.5

Volatility: 6.7

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First Mid Bancshares

A-Score: 6.0/10

Value: 6.8

Growth: 5.8

Quality: 5.2

Yield: 6.0

Momentum: 4.0

Volatility: 8.0

1-Year Total Return ->

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Orange County Bancorp

A-Score: 5.3/10

Value: 6.5

Growth: 6.3

Quality: 7.1

Yield: 4.0

Momentum: 2.5

Volatility: 5.3

1-Year Total Return ->

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Primis Financial

A-Score: 5.0/10

Value: 5.0

Growth: 3.9

Quality: 4.3

Yield: 8.0

Momentum: 2.5

Volatility: 6.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

27.15$

Current Price

27.15$

Potential

-0.00%

Expected Cash-Flows