Orange County Bancorp, Inc. (OBT)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 1754226 · fiscal year ends in Dec
Closing price $38.57 on 29 Oct 2026; 52-week range $23.44 to $39.19.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $126.7M
- Revenue growth
- 10.2%
- Net income, last twelve months
- $47.4M
- Earnings per share
- $3.56
- Net margin
- 37.4%
- Free cash flow
- $64.7M
- Return on equity
- 15.5%
- Market value
- $517.1M
- Price to earnings
- 10.8x
- Dividend yield
- 1.7%
- Cash
- $334.9M
- Debt
- $34.6M
- Debt to equity
- 0.11
- Shares outstanding
- 13.4M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $127.2M | – | $41.6M | $3.33 | $41.3M | 10-K filed 16 Mar 2026 |
| FY2024 | 31 Dec 2024 | $107.7M | – | $27.9M | $2.47 | $32.9M | 10-K filed 17 Mar 2025 |
| FY2023 | 31 Dec 2023 | $101.8M | – | $29.5M | $2.62 | $41.0M | 10-K filed 29 Mar 2024 |
| FY2022 | 31 Dec 2022 | $90.1M | – | $24.4M | $2.17 | $28.9M | 10-K filed 24 Mar 2023 |
| FY2021 | 31 Dec 2021 | $72.6M | – | $21.3M | $2.14 | $18.4M | 10-K filed 30 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $27.8M | $13.7M | $1.02 |
| Q1 FY2026 | 31 Mar 2026 | $32.1M | $11.3M | $0.85 |
| Q4 FY2025 | 31 Dec 2025 | $33.0M | $12.4M | $0.94 |
| Q3 FY2025 | 30 Sep 2025 | $33.7M | $10.0M | $0.75 |
| Q2 FY2025 | 30 Jun 2025 | $32.5M | $10.5M | $0.87 |
| Q1 FY2025 | 31 Mar 2025 | $28.0M | $8.7M | $0.77 |
| Q4 FY2024 | 31 Dec 2024 | $27.4M | $7.2M | $0.63 |
| Q3 FY2024 | 30 Sep 2024 | $27.1M | $3.2M | $0.28 |
Company events
The newest 8-K filings of 90 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 28 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Sep 2026 | 8-K | Investor update | 7.01, 9.01 |
| 21 Aug 2026 | 8-K | Other events | 8.01, 9.01 |
| 28 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 27 May 2026 | 8-K | Shareholder vote | 5.07 |
| 22 May 2026 | 8-K | Other events | 8.01, 9.01 |
| 28 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 25 Mar 2026 | 8-K | Leadership change | 5.02 |
| 20 Feb 2026 | 8-K | Other events | 8.01, 9.01 |
| 4 Feb 2026 | 8-K | Results | 2.02, 9.01 |
| 24 Nov 2025 | 8-K | Other events | 8.01, 9.01 |
| 10 Nov 2025 | 8-K | Investor update | 7.01, 9.01 |
Every filing
The newest filings with the SEC of 156 held.
| Filed | Form | Period |
|---|---|---|
| 28 Oct 2026 | 8-K | 28 Oct 2026 |
| 23 Sep 2026 | 8-K | 23 Sep 2026 |
| 21 Aug 2026 | 8-K | 21 Aug 2026 |
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 28 Jul 2026 | 8-K | 28 Jul 2026 |
| 25 Jun 2026 | 11-K | 31 Dec 2025 |
| 27 May 2026 | 8-K | 26 May 2026 |
| 22 May 2026 | 8-K | 22 May 2026 |
| 11 May 2026 | 10-Q | 31 Mar 2026 |
| 28 Apr 2026 | 8-K | 28 Apr 2026 |
| 15 Apr 2026 | ARS | 31 Dec 2025 |
| 15 Apr 2026 | DEF 14A | 26 May 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 4 Aug 2026 | Rooney Stephen, SVP, Chief Credit Officer | Sale outside a trading plan | 1,500 | $38.71 | $58.1K | 8,606 | 5 Aug 2026 |
| 3 Aug 2026 | Sousa Gregory, EVP and Deputy CLO | Sale outside a trading plan | 1,882 | $38.75 | $72.9K | 10,572 | 3 Aug 2026 |
| 30 Jul 2026 | Sousa Gregory, EVP and Deputy CLO | Sale outside a trading plan | 1,165 | $38.75 | $45.1K | 12,454 | 3 Aug 2026 |
| 19 Mar 2026 | Gilfeather Michael J, President and CEO | Purchase | 200 | $31.25 | $6.3K | 16,400 | 23 Mar 2026 |
| 11 Dec 2025 | Dineen David P, SVP, Dir. Wealth Services | Sale outside a trading plan | 192 | $29.00 | $5.6K | 9,022 | 15 Dec 2025 |
| 11 Dec 2025 | Dineen David P, SVP, Dir. Wealth Services | Sale outside a trading plan | 808 | $28.76 | $23.2K | 8,214 | 15 Dec 2025 |
| 31 Oct 2025 | Gilfeather Michael J, President and CEO | Purchase | 1,300 | $24.02 | $31.2K | 106,788 | 3 Nov 2025 |
| 31 Oct 2025 | Gilfeather Michael J, President and CEO | Purchase | 350 | $24.02 | $8.4K | 16,200 | 3 Nov 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 27 Oct 2026 | BlackRock Portfolio Management LLC | 13G amended | 8.1% | 1.1M |
| 12 Nov 2025 | Wellington Management Group LLP | 13G amended | 4.43% | 591.5K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 146.3K | +10.54% | 2.12 |
| 30 Sep 2026 | 132.3K | -20.09% | 2.03 |
| 15 Sep 2026 | 165.6K | +2.29% | 3.8 |
| 31 Aug 2026 | 161.9K | +2.95% | 4 |
| 14 Aug 2026 | 157.3K | +13.76% | 3.05 |
| 31 Jul 2026 | 138.3K | +5.47% | 2.06 |
| 15 Jul 2026 | 131.1K | +20.97% | 2.1 |
| 30 Jun 2026 | 108.4K | +22.09% | 1 |
Funds that hold it
From each fund's latest Form 13F.
115 funds held it at 30 Jun 2026: 72 added and 22 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 1,960,135 | $72.1M | +67,815 |
| Orange Investment Advisors, Inc. | 1,060,922 | $39.0M | -568 |
| Vanguard Capital Management LLC | 471,006 | $17.3M | +9,304 |
| American Century Companies Inc. | 311,740 | $11.5M | +76,460 |
| Manufacturers Life Insurance Company, the | 307,530 | $11.3M | -1,780 |
| Geode Capital Management, LLC | 290,181 | $10.7M | +29,708 |
| State Street Corp. | 216,289 | $8.0M | +29,141 |
| Banc Funds Co. LLC | 186,035 | $6.8M | -11,501 |
| Dimensional Fund Advisors LP | 153,814 | $5.7M | +26,878 |
| AllianceBernstein L.P. | 163,889 | $5.2M | -55,310 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $118.0B
- Bank of New York Mellon Corp. (BNY): revenue $21.4B, market value $101.3B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $81.3B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $49.4B
- State Street Corp. (STT): revenue $15.5B, market value $47.4B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $32.4B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $31.3B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.8B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $27.7B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $27.5B