US · OBT
Orange County Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Middletown, NY 10940
- Website
- orangebanktrust.com
Price · as of 2024-12-31
$34.10
Market cap 443.91M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $51.04 | +49.68% |
| Intrinsic Value(DCF) | $57.32 | +68.09% |
| Graham-Dodd Method(GD) | $21.21 | -37.81% |
| Graham Formula(GF) | $41.77 | +22.48% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | $6.43 | ||||
| 2012 | $7.01 | $19.84 | $18.31 | $18.44 | $0.00 |
| 2013 | $7.14 | $14.89 | $11.83 | $22.11 | $21.15 |
| 2014 | $8.43 | $17.94 | $13.25 | $19.38 | $23.17 |
| 2015 | $9.29 | $29.74 | $59.91 | $10.35 | $0.00 |
| 2016 | $9.78 | $645.37 | $66.41 | $14.54 | $19.64 |
| 2017 | $11.60 | $56.14 | $35.14 | $6.30 | $5.49 |
| 2018 | $11.73 | $26.21 | $38.95 | $11.40 | $19.25 |
| 2019 | $12.94 | $40.34 | $59.43 | $13.41 | $35.14 |
| 2020 | $13.58 | $53.05 | $47.97 | $14.94 | $25.40 |
| 2021 | $18.83 | $32.67 | $66.43 | $22.49 | $54.30 |
| 2022 | $25.04 | $44.10 | $154.56 | $16.41 | $72.34 |
| 2023 | $21.73 | $37.66 | $702.87 | $20.39 | $112.96 |
| 2024 | $23.37 | $51.04 | $364.50 | $21.21 | $41.77 |
AI valuation
Our deep-learning model estimates Orange County Bancorp, Inc.'s (OBT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $51.04
- Current price
- $34.10
- AI upside
- +49.68%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$57.32
+68.09% upside
Graham-Dodd
$21.21
-37.81% upside
Graham Formula
$41.77
+22.48% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| OBT | Orange County Bancorp, In… | $34.10 | 443.91M | +50% | +68% | -38% | +22% | 9.48 | 1.42 | 1.85 | -5.08 | — | 1.47 | 69.83% | 24.33% | 19.49% | 15.89% | -11.54% | 1.12% | 0.77 | 0.98 | 0.27 | 0.27 | -0.20 | -573.00% | 917.00% | -1975.00% | 12.44% | 0.02 | -13.60% | 2.02% | 19.10% | 45.32% | -5.37 | -5.68 | -1.31 | -0.55 |
| BWFG | Bankwell Financial Group,… | $46.70 | 367.88M | -50% | -25% | -38% | -75% | 23.27 | 0.84 | 1.16 | 3.60 | — | 0.85 | 32.90% | 6.81% | 4.99% | 3.64% | 7.74% | 0.30% | 0.59 | 0.12 | 0.12 | 0.12 | -7.84 | -7366.00% | 125.00% | -187.00% | 12.90% | 0.01 | 23.24% | 2.76% | 64.30% | 15.05% | 4.61 | 2.10 | 0.31 | -0.71 |
| FMAO | Farmers & Merchants Banco… | $25.86 | 355.57M | +285% | +15% | +27% | +39% | 11.09 | 1.00 | 1.95 | 3.53 | 13.95 | 1.32 | 62.27% | 22.49% | 17.61% | 9.44% | 34.43% | 0.98% | 0.81 | 0.61 | — | — | 4.76 | 7947.00% | 710.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 3.53 | — | 0.79 | 0.45 |
| GCBC | Greene County Bancorp, In… | $22.07 | 375.78M | +130% | +15% | -13% | +70% | 12.63 | 1.65 | 2.96 | 0.48 | 48.19 | 1.65 | 55.69% | 26.08% | 23.42% | 14.00% | -22.60% | 1.06% | 0.54 | 0.60 | 0.19 | 0.19 | -1.58 | 2621.00% | 1307.00% | 1660.00% | 6.94% | 0.01 | -19.81% | 1.14% | 14.40% | 16.99% | 0.49 | 0.62 | 0.13 | -0.59 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| MVBF | MVB Financial Corp. | $27.00 | 343.49M | +393% | -7% | +36% | +105% | 12.72 | 1.03 | 1.27 | -6.45 | 36.73 | 1.03 | 71.66% | 13.63% | 9.96% | 8.42% | -9.07% | 0.84% | 0.22 | 0.54 | — | — | -4.62 | 3464.00% | 1896.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | -6.45 | — | -0.88 | 1.27 |
| PBFS | Pioneer Bancorp, Inc. | $14.11 | 353.89M | +218% | +67% | +2% | -0% | 18.21 | 0.94 | 2.82 | -5.96 | — | 0.98 | 75.17% | 19.67% | 15.46% | 5.42% | -7.17% | 0.81% | 0.00 | 0.89 | 0.27 | 0.27 | -6.89 | -2989.00% | 1587.00% | -1088.00% | 8.28% | 0.02 | -10.81% | 0.00% | 0.00% | 1.55% | -6.75 | -5.70 | -1.33 | -0.40 |
| PCB | PCB Bancorp | $22.36 | 318.87M | +325% | +123% | +82% | +97% | 8.50 | 0.82 | 1.52 | 3.91 | 17.61 | 0.83 | 53.34% | 25.07% | 17.89% | 9.94% | 22.77% | 1.18% | 0.18 | 0.56 | 0.16 | 0.16 | 0.89 | 4828.00% | 910.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.91 | — | 0.98 | -0.11 |
| PDLB | Ponce Financial Group, In… | $16.25 | 390.02M | +46% | +41% | +51% | -5% | 26.30 | 0.57 | 1.72 | 32.82 | 12.72 | 0.57 | 47.70% | 9.38% | 6.56% | 2.20% | 1.19% | 0.38% | 1.24 | 0.18 | 0.14 | 0.14 | 23.83 | 20667.00% | 2441.00% | -2611.00% | 1.56% | 0.00 | 0.49% | 0.20% | 5.40% | 31.73% | 42.73 | 149.14 | 4.01 | -0.45 |
| RBB | RBB Bancorp | $21.50 | 366.51M | +61% | -0% | +1% | -56% | 11.51 | 0.60 | 1.32 | 7.25 | — | 0.71 | 45.19% | 15.38% | 11.49% | 5.23% | 6.31% | 0.67% | 0.72 | 0.30 | 0.12 | 0.12 | 2.36 | -3438.00% | -175.00% | 1396.00% | 18.81% | 0.02 | 13.66% | 3.82% | 44.00% | 10.56% | 9.13 | 5.64 | 1.40 | -0.59 |
| USCB | USCB Financial Holdings, … | $18.93 | 343.35M | +101% | -27% | -25% | +162% | 14.27 | 1.63 | 2.45 | 6.94 | 29.97 | 1.63 | 55.23% | 22.56% | 17.14% | 12.11% | 23.66% | 1.00% | 0.80 | 0.53 | 0.14 | 0.14 | 2.86 | 4762.00% | 3279.00% | 5090.00% | 9.59% | 0.02 | 32.38% | 1.12% | 16.00% | 18.00% | 7.06 | 6.79 | 1.59 | -0.74 |
About Orange County Bancorp, Inc.
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.
- CEO
- Michael J. Gilfeather
- Employees
- 225
- Beta
- 0.44
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($57.32 ÷ $34.10) − 1 = +68.09% (DCF, example).