Orange County Bancorp, Inc. (OBT) Stock Score, Valuation & Financial Research
Orange County Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 63/100.
Quick answer for OBT
Orange County Bancorp, Inc. currently has a Wall Street Score of 63/100. The stored market price is $38.28. Its financial score is 58/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Orange County Bancorp, Inc. does
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 off
OBT financial snapshot
- Wall Street Score:
- 63/100
- Current price:
- $38.28
- Market capitalization:
- $513.3M
- Revenue:
- $156.2M
- Net income:
- $44.2M
- Free cash flow:
- $41.3M
- Cash:
- $257.5M
- Total debt:
- $34.6M
- EPS:
- 3.33
- P/E ratio:
- 11.5x
- Financial score:
- 58/100
- Valuation score:
- 97/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $41.3M, showing positive cash generation.
- The balance sheet shows $257.5M of cash versus $34.6M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 58/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research OBT
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.