OBT
Orange County Bancorp, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+29/100
Last price
37.08
▼ 0.42 (1.12%)
MARKET · —
Price
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Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
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Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
—
Prev close
37.50
Day high
37.42
Day low
36.85
Volume
44.69K
Market cap
$497.17M
P/E (TTM)
10.42
52W range
23.25 – 40.10
Trailing performance
Returnvs SPY
1W
+0.35%
-1.6%
1M
-2.86%
-4.3%
3M
+0.84%
-2.6%
6M
+8.36%
-6.6%
YTD
+29.88%
+15.9%
1Y
+49.82%
+34.1%
3Y
+74.49%
-7.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on OBT open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
1.10M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 4, 26 | ROONEY STEPHEN F Officer |
SELL | 1.50K | $58.06K | Direct |
| Aug 3, 26 | SOUSA GREGORY Officer |
SELL | 3.05K | $118.07K | Direct |
| Mar 19, 26 | GILFEATHER MICHAEL J Chief Executive Officer |
BUY | 200 | $6.25K | Indirect |
| Mar 19, 26 | GILFEATHER MICHAEL J Chief Executive Officer |
STOCK | 26.29K | $0 | Direct |
| Mar 19, 26 | LESLER MICHAEL Chief Financial Officer |
STOCK | 5.06K | $0 | Direct |
| Mar 19, 26 | ROONEY STEPHEN F Officer |
STOCK | 2.81K | $0 | Direct |
| Mar 19, 26 | DINEEN DAVID P Officer |
STOCK | 4.33K | $0 | Direct |
| Mar 19, 26 | SOUSA GREGORY Officer |
STOCK | 5.06K | $0 | Direct |
| Mar 19, 26 | LISTNER MICHAEL Officer |
STOCK | 2.83K | $0 | Direct |
| Mar 19, 26 | RUHL JOSEPH A. Officer |
STOCK | 5.13K | $0 | Direct |
| Mar 19, 26 | JONES ELIZABETH A Chief Operating Officer |
STOCK | 3.79K | $0 | Direct |
| Feb 19, 26 | ROWLEY RICHARD B Director |
STOCK | 866 | $0 | Direct |
| Feb 19, 26 | HOLCOMBE GREGORY F Director |
STOCK | 866 | $0 | Direct |
| Feb 19, 26 | HOLCOMBE GREGORY F Director |
STOCK | 866 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
DINEEN DAVID P |
Officer | 14.26K | Stock Award(Grant) |
GILFEATHER MICHAEL J |
Chief Executive Officer | — | Purchase |
HOLCOMBE GREGORY F |
Director | 165.24K | Stock Award(Grant) |
KEANE KEVIN J |
Director | 27.50K | Stock Award(Grant) |
LESLER MICHAEL |
Chief Financial Officer | 19.84K | Stock Award(Grant) |
MORRISON WILLIAM D. |
Director | 113.77K | Stock Award(Grant) |
ROWLEY RICHARD B |
Director | 537.13K | Stock Award(Grant) |
RUHL JOSEPH A. |
Officer | 34.78K | Stock Award(Grant) |
SCHILLER JONATHAN |
Director | 12.47K | Stock Award(Grant) |
SOUSA GREGORY |
Officer | 17.64K | Sale |
Fundamentals
Market cap$497.17M
Enterprise value$196.85M
Revenue (TTM)$122.67M
Gross profit$122.67M
EBITDA—
Net income$47.39M
EPS (TTM)$3.56
Free cash flow—
Total cash$334.92M
Total debt$34.60M
Book value / share$22.87
Shares outstanding13.41M
Float11.37M
Short % of float1.34%
Dividend yield1.95%
Beta (5Y)0.43
Valuation & profitability ratios
Trailing P/E10.42
Forward P/E9.89
PEG ratio—
Price / sales—
Price / book1.62
EV / revenue1.61
EV / EBITDA—
Gross margin0.00%
Operating margin40.90%
Profit margin38.63%
Return on equity16.95%
Return on assets1.75%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $127.11M | $107.63M | $101.69M | $89.87M | +18.1% |
| Operating revenue | $127.11M | $107.63M | $101.69M | $89.87M | +18.1% |
| Selling, general & admin | $42.55M | $40.35M | $36.70M | $32.21M | +5.5% |
| Pre-tax income | $51.56M | $34.82M | $37.15M | $30.28M | +48.1% |
| Tax provision | $9.94M | $6.93M | $7.67M | $5.91M | +43.4% |
| Net income | $41.61M | $27.88M | $29.48M | $24.36M | +49.2% |
| Net income to common | $41.61M | $27.88M | $29.48M | $24.36M | +49.2% |
| Basic EPS | 3.33 | 2.47 | 2.62 | 2.17 | +34.8% |
| Diluted EPS | 3.33 | 2.47 | 2.62 | 2.17 | +34.8% |
| Basic shares | 12.51M | 11.30M | 11.26M | 11.24M | +10.7% |
| Diluted shares | 12.51M | 11.30M | 11.26M | 11.24M | +10.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $204.23M | $150.33M | $147.38M | $86.08M | +35.9% |
| Accounts receivable | $10.38M | $6.68M | $5.93M | $6.32M | +55.4% |
| Property, plant & equipment | $15.48M | $15.81M | $16.16M | $14.74M | -2.1% |
| Goodwill & intangibles | $5.89M | $6.18M | $6.47M | $6.75M | -4.6% |
| Total assets | $2.66B | $2.51B | $2.49B | $2.29B | +6.0% |
| Current debt | $0 | $113.50M | $224.50M | $131.50M | -100.0% |
| Long-term debt | $34.55M | $29.59M | $29.52M | $19.45M | +16.8% |
| Total debt | $34.55M | $143.09M | $254.02M | $150.95M | -75.9% |
| Total liabilities | $2.38B | $2.32B | $2.32B | $2.15B | +2.2% |
| Retained earnings | $164.43M | $129.92M | $107.36M | $84.64M | +26.6% |
| Shareholder equity | $284.36M | $185.53M | $165.38M | $138.14M | +53.3% |
| Net tangible assets | $278.47M | $179.35M | $158.91M | $131.39M | +55.3% |
| Shares issued | 13.38M | 11.37M | 11.37M | 11.37M | +17.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $41.61M | $27.88M | $29.48M | $24.36M | +49.2% |
| Depreciation & amortisation | $1.83M | $1.95M | $1.97M | $1.69M | -6.1% |
| Stock-based compensation | $1.14M | $1.76M | $871.00K | $669.00K | -35.0% |
| Change in working capital | -$2.50M | -$2.86M | $7.01M | -$1.99M | +12.6% |
| Operating cash flow | $43.85M | $34.60M | $44.50M | $30.48M | +26.7% |
| Capital expenditure | -$2.52M | -$1.73M | -$3.54M | -$1.54M | -45.4% |
| Investing cash flow | -$74.15M | -$29.42M | -$144.92M | -$434.11M | -152.1% |
| Share buybacks | -$158.00K | -$518.00K | -$447.00K | -$308.00K | +69.5% |
| Dividends paid | -$7.10M | -$5.33M | -$5.19M | -$4.67M | -33.3% |
| Financing cash flow | $84.20M | -$2.23M | $161.72M | $183.53M | +3,870.8% |
| Free cash flow | $41.33M | $32.87M | $40.96M | $28.94M | +25.7% |
| End cash position | $204.23M | $150.33M | $147.38M | $86.08M | +35.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $27.79M | $32.05M | $33.01M | $33.71M | $32.43M | -13.3% |
| Operating revenue | $27.79M | $32.05M | $33.01M | $33.71M | $32.43M | -13.3% |
| Selling, general & admin | $11.71M | $11.89M | $10.97M | $10.92M | $10.28M | -1.5% |
| Pre-tax income | $11.56M | $14.59M | $13.66M | $13.02M | $13.59M | -20.8% |
| Tax provision | -$2.10M | $3.31M | $1.23M | $3.00M | $3.13M | -163.5% |
| Net income | $13.66M | $11.28M | $12.43M | $10.02M | $10.46M | +21.0% |
| Net income to common | $13.66M | $11.28M | $12.43M | $10.02M | $10.46M | +21.0% |
| Basic EPS | 1.02 | 0.85 | 0.93 | 0.75 | 0.87 | +20.0% |
| Diluted EPS | 1.02 | 0.85 | 0.93 | 0.75 | 0.87 | +20.0% |
| Basic shares | 13.38M | 13.35M | 13.34M | 13.34M | 11.99M | +0.2% |
| Diluted shares | 13.38M | 13.35M | 13.34M | 13.34M | 11.99M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $334.93M | $257.54M | $204.23M | $189.88M | $175.61M | — | +30.0% |
| Accounts receivable | $10.79M | $10.99M | $10.38M | $10.51M | $10.46M | — | -1.9% |
| Property, plant & equipment | $15.46M | $15.64M | $15.48M | $15.17M | $14.95M | — | -1.1% |
| Goodwill & intangibles | $5.75M | $5.82M | $5.89M | $5.97M | $6.04M | — | -1.2% |
| Total assets | $2.80B | $2.71B | $2.66B | $2.64B | $2.61B | — | +3.5% |
| Current debt | — | — | $0 | $22.50M | $21.00M | $20.50M | — |
| Long-term debt | $34.60M | $34.58M | $34.55M | $34.48M | $29.63M | — | +0.1% |
| Total debt | $34.60M | $34.58M | $34.55M | $56.98M | $50.63M | — | +0.1% |
| Total liabilities | $2.49B | $2.41B | $2.38B | $2.37B | $2.35B | — | +3.3% |
| Retained earnings | $184.56M | $173.31M | $164.43M | $154.41M | $146.13M | — | +6.5% |
| Shareholder equity | $306.63M | $291.66M | $284.36M | $270.12M | $252.59M | — | +5.1% |
| Net tangible assets | $300.88M | $285.84M | $278.47M | $264.15M | $246.55M | — | +5.3% |
| Shares issued | 13.41M | 13.42M | 13.38M | 13.37M | 13.37M | — | -0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $13.66M | $11.28M | $12.43M | $10.02M | $10.46M | +21.0% |
| Depreciation & amortisation | $499.00K | $480.00K | $452.00K | $447.00K | $462.00K | +4.0% |
| Stock-based compensation | -$5.00K | $1.24M | $46.00K | $91.00K | $16.00K | -100.4% |
| Change in working capital | -$1.56M | -$1.89M | -$268.00K | $17.12M | -$14.41M | +17.6% |
| Operating cash flow | $12.58M | $10.23M | $13.76M | $30.20M | -$4.95M | +23.0% |
| Capital expenditure | -$250.00K | -$563.00K | -$695.00K | -$594.00K | -$733.00K | +55.6% |
| Investing cash flow | -$14.25M | $6.13M | -$5.39M | -$22.71M | -$21.35M | -332.3% |
| Share buybacks | $0 | $0 | $0 | $0 | $0 | — |
| Dividends paid | -$2.41M | -$2.41M | -$2.40M | -$1.74M | -$1.48M | -0.2% |
| Financing cash flow | $79.06M | $36.94M | $5.98M | $6.78M | $37.73M | +114.0% |
| Free cash flow | $12.33M | $9.67M | $13.07M | $29.61M | -$5.68M | +27.6% |
| End cash position | $334.93M | $257.54M | $204.23M | $189.88M | $175.61M | +30.0% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.80 | 1.02 | +27.5% |
| Mar 2026 | 0.78 | 0.85 | +9.0% |
| Dec 2025 | 0.74 | 0.93 | +26.2% |
| Sep 2025 | 0.69 | 0.75 | +8.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.82 | 2 | $33.45M | -0.8% |
| Next quarter | 0.84 | 2 | $33.90M | +2.6% |
| Current year | 3.45 | 3 | $131.95M | +3.7% |
| Next year | 3.75 | 3 | $142.07M | +7.7% |
Analyst targets & ownership
Mean target$43.33
High target$44.00
Low target$42.00
Implied upside16.86%
Analyst count3
ConsensusNONE
Strong buy / Buy1 / 2
Hold0
Sell / Strong sell0 / 0
Held by insiders8.19%
Held by institutions55.32%
Institutions holding165
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
37.42
-0.91% from price
SMA 20
37.75
-1.79% from price
SMA 50
38.09
-2.66% from price
SMA 100
37.04
+0.12% from price
SMA 200
34.72
+6.81% from price
EMA 12
37.50
-1.11% from price
EMA 26
37.70
-1.65% from price
EMA 50
37.67
-1.56% from price
RSI (14)
41.9
Neutral
MACD (12,26,9)
-0.21
Hist -0.04
ATR (14)
1.00
2.70% of price
Realised vol 30D
15.4%
Annualised
Bollinger upper
38.77
20, 2σ
Bollinger lower
36.74
20, 2σ
50 / 200 cross
Golden
38.09 vs 34.72
Trend bias
Above 200
+6.81%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.39
Less volatile than market
Correlation to SPY
0.19
Largely independent
Realised vol 30D
15.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.2%
Peak to trough
Max drawdown 5Y
-46.0%
Peak to trough
ATR 14
1.00
2.70% of price
Beta (reported)
0.43
5Y monthly, from filing
Short interest
Shares short
165.62K
Prior 157.27K
Change vs prior
+5.3%
Shorts adding
% of float
1.34%
Normal
% of shares out
1.24%
Against total outstanding
Days to cover
3.9
Liquid
Float
11.37M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Feb 5, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Dec 10, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 31, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Dec 13, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 31, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Aug 1, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 26, 23 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Feb 12, 21 | Piper Sandler | INITIATED | — | Overweight |
| Jun 30, 20 | Stephens & Co. | INITIATED | — | Overweight |
Dividends & splits
Forward rate$0.72 / yr
Forward yield1.95%
5-year avg yield1.92%
Payout ratio18.82%
Ex-dividend dateSep 4, 2026
Next pay dateSep 15, 2026
Last split2:1
Split dateJan 13, 2025
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-23
Corporate Changes & Voting Matters
8-K · 2026-08-21
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-28
Annual report of employee stock purchase
11-K · 2026-06-25
Corporate Changes & Voting Matters
8-K · 2026-05-27
Corporate Changes & Voting Matters
8-K · 2026-05-22
Periodic Financial Reports
10-Q · 2026-05-11
Headlines
Orange Bank & Trust Hires New Director, Trust Officer
GlobeNewswire · 2d ago
RBKB vs. OBT: Which Hudson Valley Bank Stock Is the Better Buy Now?
Zacks · 14d ago
Orange County Bancorp, Inc. Declares Cash Dividend
GlobeNewswire · 48d ago
Orange County Bancorp, Inc. Announces Record Second Quarter Earnings
GlobeNewswire · 72d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.