Orange County Bancorp Inc. (OBT) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, Orange County Bancorp Inc. (NASDAQ: OBT) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $40.11 (+3.67% 1D, market cap $537.8M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, OBT ranks #142 in composite RQD confidence.
Within the Financials sector (Major Banks), OBT carries a Roarable C+ (69/100 RQD), trailing P/E of 12.4x, gross margin of —, and ROIC of 14.6%. By comparison, COFS (ChoiceOne Financial Services Inc.) holds a C grade (64/100 RQD, P/E 18.6x, ROIC 6.1%, cap $542.9M) and WTBA (West Bancorporation) posts a B- grade (71/100 RQD, P/E 15.7x, ROIC 12.2%, cap $527.7M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while NPB leads on capital efficiency (14.7% ROIC).
Per OBT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001754226), Orange County Bancorp Inc. generated $1.12B in revenue (+6.0% YoY), $41.6M in net income, and $41.3M in free cash flow against $2.66B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 3.7% FCF Margin ($41.3M FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (70.6) create a -7 pt regime headwind
Even with a 69/100 (C+) score, OBT faces multiple-compression risk if 12.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.84) or 200D SMA ($35.60) invalidates the momentum regime and cuts Target Base ($42.10) toward Bear Floor ($32.84).
Orange County Bancorp Inc. (OBT) surged +3.67% to $40.11, trading at 98% of its 52-week range ($24.62 – $40.49). Solid steady margins (15% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Univest (UVSP) delivered earnings and revenue surprises of -20.41% and -0.01%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Net Income increased $2.5 million, or 24.6%, to $12.5 million for the quarter ended September 30, 2026, from $10.0 million for the quarter ended September 30, 2025, marking record third quarter earningsNet Interest Margi
Orange County Bancorp (NASDAQ:OBT) reported quarterly earnings of $0.93 per share which beat the analyst consensus estimate of $0.84 by 10.71 percent. This is a 24 percent increase over earnings of $0.75 per share from
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on OBT today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for OBT. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Orange County Bancorp Inc. (OBT) ranks #142 by composite RQD confidence (69/100, grade C+) and #686 by equity capitalization ($537.8M). Within this direct 5-issuer industry benchmark cohort, NPB leads on earnings valuation at 6.7x trailing P/E, while NPB leads on capital efficiency and profitability with 14.7% ROIC and — gross margin. WTBA currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with OBT at 69/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| OBT
ACTIVE
Orange County Bancorp Inc. | C+ | 69/100 | 12.4x | — | 14.6% | +3.67% | $537.8M | Benchmark Subject |
| COFS ChoiceOne Financial Services Inc. | C | 64/100 | 18.6x | — | 6.1% | +2.40% | $542.9M | /cofs-vs-obt → |
| WTBA West Bancorporation | B- | 71/100 | 15.7x | — | 12.2% | +3.51% | $527.7M | /wtba-vs-obt → |
| NPB Northpointe Bancshares Inc. | D+ | 58/100 | 6.7x | — | 14.7% | +0.63% | $549.5M | /npb-vs-obt → |
| BSRR Sierra Bancorp | C | 64/100 | 13.0x | — | 11.6% | +2.47% | $553.1M | /bsrr-vs-obt → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Orange County Bancorp Inc. (OBT) reported GAAP revenue of $1.12B (+6.0% vs. FY2024 revenue of $1.05B , and +560.5% cumulative change since FY2023) , GAAP net income of $41.6M, operating cash flow of $43.8M, and free cash flow of $41.3M (+25.7% YoY). On the balance sheet, OBT closed FY2025 with $2.66B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.12B | $41.6M | $43.8M | $41.3M | $2.66B | — |
| FY2024 (FY) | 2024-12-31 | $1.05B | $27.9M | $34.6M | $32.9M | $2.51B | — |
| FY2023 (FY) | 2023-12-31 | $169.1M | $29.5M | $44.5M | $44.5M | — | — |
As of 2026-11-03, Orange County Bancorp Inc. (NASDAQ: OBT) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $40.11 (+3.67% 1D, market cap $537.8M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, OBT ranks #142 in composite RQD confidence.
Within the Financials sector (Major Banks), OBT carries a Roarable C+ (69/100 RQD), trailing P/E of 12.4x, gross margin of —, and ROIC of 14.6%. By comparison, COFS (ChoiceOne Financial Services Inc.) holds a C grade (64/100 RQD, P/E 18.6x, ROIC 6.1%, cap $542.9M) and WTBA (West Bancorporation) posts a B- grade (71/100 RQD, P/E 15.7x, ROIC 12.2%, cap $527.7M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while NPB leads on capital efficiency (14.7% ROIC).
Per OBT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001754226), Orange County Bancorp Inc. generated $1.12B in revenue (+6.0% YoY), $41.6M in net income, and $41.3M in free cash flow against $2.66B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
OBT last traded at $40.11 (+3.67% on volume of 74,735 shares), positioning the stock +6.00% above its 50-day simple moving average ($37.84) and +12.67% above its 200-day simple moving average ($35.60). Across its 52-week range of $24.62 to $40.49, OBT sits at the 97.6% percentile with a 14-day RSI of 70.6 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.5% ($37.90 to $42.32).
Orange County Bancorp Inc. (OBT) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $40.11 (+3.67% 1D, market capitalization $537.8M).
Orange County Bancorp Inc. (OBT) is a NASDAQ-listed issuer in the Financials sector and Major Banks industry. The profile identifies the company as operating in Major Banks with a market capitalization of $0.5B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Orange County Bancorp Inc. (OBT) reported $1.12B in annual revenue (up from $1.05B in FY2024, +6.0% YoY) and $41.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($169.1M revenue, $29.5M net income) through FY2025, OBT scaled operating cash flow to $43.8M and free cash flow to $41.3M, backed by $2.66B in total assets against $0 in total debt.
Upstream and downstream dependencies, sector correlations beyond the Financials/Major Banks classification, and second-order bottlenecks are — The only sector-level context is the beta of 1.0 per the market data, which indicates the stock has moved in line with the broader market over the measurement period, and the Macro Regime Fit pillar of 13/20 per the RQD rating, which reflects moderate sector sensitivity.
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Yahoo Finance report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Orange County Bancorp Inc. (OBT) market action, institutional positioning, and fundamental catalysts.
Univest (UVSP) delivered earnings and revenue surprises of -20.41% and -0.01%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Long OBT at $38.69 targeting $48.75. Insider Conviction scores 17/20, the strongest RQD pillar, alongside a 14.6% ROIC and a 7.99% FCF yield.. Institutional whale score is 13/20 and the risk/reward vs. the $24.50 52-week low is skewed heavily in favor of bulls.
@TapeReader_Pro Agree on the RQD 69/100 quality, though with 1.0 beta I'm scaling in with half-size at $38.69 and keeping dry powder in case we test $35.98.
Fading this rally in OBT at $38.69. The stock trades near the top of its $23.75 - $40.49 52-week range with a Piotroski F of only 5/9 and no analyst coverage.. With a beta of 1.0 and the stock sitting at $38.69 (52-wk range $24.50–$40.49), the easy multiple expansion is already priced in.
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