Orange County Bancorp, Inc. /DE/(OBT)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
OBT Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Orange County Bancorp, Inc. /DE/ (OBT), a Financials sector company. OBT is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Orange County Bancorp, Inc. /DE/ reports quarterly revenue of $32.1M, net income of $11.3M, an operating margin of 45.5%. Top institutional holders of OBT by reported 13-F value include BlackRock,, Orange Investment Advisors,, WELLINGTON MANAGEMENT GROUP LLP, based on the most recent SEC filings. OBT trades on the Nasdaq exchange and files with the SEC under CIK 1754226. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OBT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Orange County Bancorp, Inc. /DE/ directly from SEC EDGAR.
Revenue
Q1 2026
$32.1M
Net Income
Q1 2026
$11.3M
Free Cash Flow
Q1 2026
$9.7M
Operating Margin
Q1 2026
45.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+41.2% YoYEPS (Diluted)
+154.2% YoYTotal Assets
+7.0% YoYOp. Cash Flow
-1.5% YoY| Metric | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Net Income | $41.6M +41.2% | $29.5M +21.0% | $24.4M +14.5% | $21.3M +82.3% | $11.7M | — |
| EPS (Diluted) | $3.33 +154.2% | $1.31 +21.0% | $1.08 +1.2% | $1.07 +65.3% | $0.65 | — |
| Total Assets | $2.66B +7.0% | $2.49B +8.7% | $2.29B +6.8% | $2.14B +28.7% | $1.66B | — |
| Operating Cash Flow | $43.8M -1.5% | $44.5M +46.0% | $30.5M +50.0% | $20.3M +79.1% | $11.3M | — |
AI Insight: OBT Financial Trends
Net income steady at $10–12M while equity grew 64% to $292M over two years, but operating cash flow volatility and rising debt warrant scrutiny.
• Net income stabilized at $10–12M in Q4 2025 and Q1 2026, versus $3–9M in prior quarters; showing modest earnings consistency.
• Equity expanded from $178M (Q2 2024) to $292M (Q1 2026), a 64% increase, strengthening the balance sheet.
• Operating cash flow highly volatile: swung from –$5M (Q2 2025) to +$30M (Q3 2025) to +$10–14M recent quarters.
⚠ Total debt rose from $0M implied (Q2 2024) to $292M (Q1 2026), tracking equity growth; leverage trajectory unclear without debt composition.
⚠ Operating cash flow turned negative in Q2 2025, then recovered; sustainability and drivers of volatility need monitoring.
AI Insight: OBT Ratio Trends
OBT's profitability metrics have stabilized after Q3 2024 stumble, but returns remain volatile with no clear upward trajectory.
• ROA recovered from 0.5% in Q3 2024 to 1.7% in Q1 2026, suggesting operational performance stabilization post-anomaly.
• ROIC has compressed from 23.1% in Q2 2024 to 20.0% in Q1 2026—a 310 basis point decline over 9 quarters.
• ROE fluctuates between 14.8% and 17.5% across the last five quarters, indicating volatile shareholder returns without directional momentum.
⚠ Q3 2024 showed severe deterioration (ROA 0.5%, ROIC 8.3%)—root cause and recurrence risk unclear from ratio data.
⚠ ROIC decline from peak 23.1% suggests capital efficiency erosion; monitor whether trend continues or stabilizes at 19–20%.
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Available Research
13F Pro tracks comprehensive data for Orange County Bancorp, Inc. /DE/ including:
Top Institutional Holders of OBT
BlackRock, Inc.
$60.5M1,892,320 shOrange Investment Advisors, Inc.
$33.9M1,061,490 shWELLINGTON MANAGEMENT GROUP LLP
$15.9M497,422 shVANGUARD CAPITAL MANAGEMENT LLC
$14.8M461,702 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$9.9M309,310 shGEODE CAPITAL MANAGEMENT, LLC
$8.3M260,473 shAMERICAN CENTURY COMPANIES INC
$7.5M235,280 shBANC FUNDS CO LLC
$6.3M197,536 shALLIANCEBERNSTEIN L.P.
$6.3M219,199 shSTATE STREET CORP
$6.0M187,148 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $60.5M | 1,892,320 |
| Orange Investment Advisors, Inc. | $33.9M | 1,061,490 |
| WELLINGTON MANAGEMENT GROUP LLP | $15.9M | 497,422 |
| VANGUARD CAPITAL MANAGEMENT LLC | $14.8M | 461,702 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $9.9M | 309,310 |
| GEODE CAPITAL MANAGEMENT, LLC | $8.3M | 260,473 |
| AMERICAN CENTURY COMPANIES INC | $7.5M | 235,280 |
| BANC FUNDS CO LLC | $6.3M | 197,536 |
| ALLIANCEBERNSTEIN L.P. | $6.3M | 219,199 |
| STATE STREET CORP | $6.0M | 187,148 |
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Popular Research
Is OBT a good stock to buy?
13F Pro's AI-powered analysis of Orange County Bancorp, Inc. /DE/ (OBT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OBT are available on the OBT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own OBT?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OBT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Orange County Bancorp, Inc. /DE/'s investment landscape.