Orange County Bancorp

OBT · NASDAQ

$37.56+$0.81 (+2.20%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $36.75

OBT analyst rating

BuyConsensus of 2 analysts over the last 12 months. 100% rate it a buy.

Strong buy0
Buy2
Hold0
Underperform0
Sell0

12-month price target · 4 analysts

Average $42.84 (+14.1% upside)

Low: $40.40
Now: $37.56
High: $46.20

Upgrades and downgrades

The latest rating actions, newest first

OBT analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Sep 4, 2026	Initiates	Overweight	$44.00	64%
Piper Sandler	Feb 5, 2026	Maintains	Overweight	$32.00 → $36.00	74%
Piper Sandler	Dec 10, 2025	Maintains	Overweight	$29.00 → $31.00	74%

The case for and against

Updated Jan 19, 2026

Bull case

Orange County Bancorp has demonstrated a strong financial performance, as evidenced by an 8% sequential increase in tangible book value per share (TBVPS), rising to $18.45, which reflects enhanced shareholder value. The company's capital levels have increased due to solid earnings and a recent capital raise, indicating robust financial health and capacity for growth. Additionally, while nonperforming loans have risen to $11.7 million, representing 0.61% of total loans, this ratio remains competitive relative to peers, suggesting effective risk management and a stable loan portfolio.

Bear case

Key financial metrics indicate a negative outlook for Orange County Bancorp. The core efficiency ratio improved marginally to 57% from 59% in the previous quarter, but this improvement may be insufficient in the face of other declining revenue streams. Additionally, fees, which constitute a significant portion of total revenues, have decreased to 15% from 16% in the linked quarter, while the loan-to-deposit ratio remains low at 84%, only slightly higher than the prior quarter’s 81%, suggesting potential inefficiencies and tighter margins.

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