profit from every $100 of sales.
$0$100
Orange County Bancorp
$40.03+0.43% today
+52.7% in 1 year
1-year low $25.111-year high $40.42
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.90 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Orange County Bancorp sold, what it kept, and what it did with the cash.
Sales went from $89.9 million in 2022 to $127 million in 2025, with $41.6 million of profit last year.
SalesProfit
Orange County Bancorp handed back 18% of the cash it generated last year.
$7M
Free cash flow 2025$41M
Bought back its own shares$158,000
Paid as dividends$7M
Cash vs. debt$204M vs. $35M
Orange County Bancorp vs. similar companies
Orange County Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Orange County Bancorp | 12.9× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Orange County Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 90 | 102 | 108 | 127 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 24 | 29 | 28 | 42 | |
| 2.17 | 2.62 | 2.47 | 3.33 | |
| – | – | – | – | |
| – | – | – | – | |
| 27.1% | 29.0% | 25.9% | 32.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,287 | 2,485 | 2,510 | 2,659 |
| Cash | 86 | 147 | 150 | 204 |
| Total debt | 151 | 254 | 143 | 35 |
| Total liabilities | 2,149 | 2,320 | 2,324 | 2,375 |
| 138 | 165 | 186 | 284 | |
| 11 | 11 | 11 | 13 | |
| – | – | – | – | |
| 17.6% | 17.8% | 15.0% | 14.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 30 | 45 | 35 | 44 | |
| 2 | 4 | 2 | 3 | |
| 29 | 41 | 33 | 41 | |
| Dividends paid | 5 | 5 | 5 | 7 |
| 0 | 0 | 1 | 0 | |
| 1 | 1 | 2 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.9×
- 11.8×
- 0.84
- 1.5×
- 4.2×
- 7.8%
- 1.9%
Profitability
- 32.7%
- 11.5%
- 9.5%
- 16.1%
- 1.6%
Growth
- +12.3%
- +15.4%
- +7.3%
- +5.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 23%of 754
Top 30%of 605
Top 45%of 883
Top 41%of 880
Top 34%of 929
What analysts expect
- Average price target
- $36.00
- Range
- $36.00 – $36.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.85 | 0.78 | +9.0% |
| Feb 4, 2026 | 0.93 | 0.75 | +24.0% |
| Nov 10, 2025 | 0.75 | – | – |
| Jul 30, 2025 | 0.87 | 0.76 | +14.5% |
| Apr 30, 2025 | 0.77 | 0.67 | +14.9% |
| Mar 17, 2025 | 0.63 | 0.74 | −14.0% |
| Oct 30, 2024 | 0.28 | 0.71 | −60.6% |
| Jul 31, 2024 | 0.73 | 0.65 | +12.3% |
1.9%of the share price, paid each year
On $1,000 invested$19a year at today's yield, before tax
+7.3%2020 to 2025
Raised4 yearsin a row, in our data
Paid per share, each year
$0.41 in 2015 → $0.57 in 2025
How safe it looks
17.1% of its profit
Room to growStretchedMore than it earns: 17.2%
News
Orange projects FY 2026 EBITDAaL growth above 4.5% while keeping SFR closing timeline for H2 2027Seeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
67Pass
Benjamin Graham
69Pass
Philip Fisher
75Pass
Peter Lynch
73Pass
Joel Greenblatt
27No pass
Charlie Munger
63Pass
Terry Smith
60Pass
Questions about Orange County Bancorp
Is Orange County Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Orange County Bancorp AI analysis
What does Orange County Bancorp do?
Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. It is in Banks - Regional.
Does Orange County Bancorp pay a dividend?
Yes. At today's price the dividend is 1.9% a year, about 17% of its yearly profit. In 2025 it paid out $7.10 million in dividends.
Is Orange County Bancorp stock halal?
No. Orange County Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Orange County Bancorp stock done over the past year?
Up 52.7% over the past twelve months, to $40.03. It traded between $25.11 and $40.42, close to its high.
Who are Orange County Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Orange County Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.