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OBTOrange County Bancorp, Inc.Hold6.3·$37.65+0.03%
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Orange County Bancorp, Inc. (OBT) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $37.65, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

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,... Read more

$37.65+4.4% A.UpsideScore 6.3/10#40 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield1.78%(5y avg 1.97%)Payout18.18%sustainable
Stop $35.01Target $39.30(resistance)A.R:R -1.0:1
Analyst target$39.00+3.6%2 analysts
$39.30our TP
$37.65price
$39.00mean
$40

Hold if already holding. Not a fresh buy at $37.65, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 25d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 29, 202625d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Positive momentum
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)11.0
P/E (Fwd)9.8
Mkt Cap$505M
EV/EBITDA
Profit Mgn35.6%
ROE17.9%
Rev Growth17.0%
Beta0.42
Dividend1.78%
Rating analysts7

Quality Signals

Piotroski F8/9MoatNarrow

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -1.0=NEGATIVEMomentum 7.5>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 25d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
61 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $33.13Resistance $40.10

Price Targets

$35
$39
A.Upside+4.4%
A.R:R-1.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-12.0% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-29 (25d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is OBT stock a buy right now?

Hold if already holding. Not a fresh buy at $37.65, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Target $39.30 (+4.4%), stop $35.01 (−7.5%), A.R:R -1.0:1. Score 6.3/10, moderate confidence.

What is the OBT stock price target?

Take-profit target: $39.30 (+4.4% upside). Target $39.30 (+4.4%), stop $35.01 (−7.5%), A.R:R -1.0:1. Stop-loss: $35.01.

What are the risks of investing in OBT?

Analyst target reached - limited upside remaining.

Is OBT overvalued or undervalued?

Orange County Bancorp, Inc. trades at a P/E of 11.0 (forward 9.8). TrendMatrix value score: 8.2/10. Verdict: Hold.

What do analysts say about OBT?

7 analysts cover OBT with a consensus score of 4.1/5. Average price target: $39.

What does Orange County Bancorp, Inc. do?Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking...

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.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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