Orange County Bancorp (OBT)
Commercial banking and wealth management for Hudson Valley and New York metro clients.
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Runs a relationship-based bank and wealth-management platform centered on Orange Bank & Trust. The business gathers deposits, makes commercial and consumer loans, and earns trust and investment-advisory fees across the Hudson Valley and New York metro area.
Operates through two segments: Banking and Wealth Management. Banking is anchored by Orange Bank & Trust, which gathers deposits, makes commercial real estate, construction, commercial and industrial, residential, home equity, and consumer loans, and supports clients with cash management, escrow, merchant, ATM, telephone, and internet banking services.
Serves a concentrated New York footprint across Orange, Westchester, Rockland, and Bronx Counties, with nearby Connecticut and New Jersey markets in the broader service area. Wealth Management adds trust administration, Special Needs Trust and Guardianship services, investment management, and advisory work through the bank and Orange Investment Advisors.
Competes on relationship banking, local credit decisions, and senior-management access. The business depends on regulated banking operations, local deposit relationships, commercial real estate credit quality, and competition from banks, credit unions, non-bank financial firms, and technology-enabled providers.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 4, 2026 | Piper Sandler | Target | Target: $36 | Target: $44 |
| Feb 5, 2026 | Piper Sandler | Reiterate | Rating: —Target: $31 | Target: $36 |
| Dec 10, 2025 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $31 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $730.8M · Total debt $34.6M · Total assets $2.80B · Shareholders' equity $306.6M
- Revenue
- $35.0M
- Operating income
- $14.2M
- Net income
- $13.7M
HistoryDividendAnnual yield
| Institutions | ≈ 54.25% | 7.27M shares | |
|---|---|---|---|
| 113 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 7.62% | 1.02M shares | |
| 18 holders · as of Aug 5, 2026 | |||
| Strategic holders | 9.19% | 1.23M shares | |
| 1 holder · as of Oct 17, 2025 | |||
| Other | ≈ 28.94% | 3.88M shares | |
| remainder | |||
13.41M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.62% | 1.96M | as of Jun 30, 2026 |
BlackRock Portfolio Management LLCStrategic | 9.19% | 1.23M | filed Oct 17, 2025 |
Hudson Valley Investment Advisors Inc /AdvInstitution | 7.91% | 1.06M | as of Jun 30, 2026 |
Richard B. RowleyInsiderdirector | 4.01% | 537,134 | filed Feb 23, 2026 |
Vanguard Capital Management LLCInstitution | 3.51% | 471,006 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 4, 2026 | Stephen Rooney | officer: SVP, Chief Credit Officer | −1,500 | $38.71 |
| Aug 3, 2026 | Gregory Sousa | officer: EVP and Deputy CLO | −1,882 | $38.75 |
| Jul 30, 2026 | Gregory Sousa | officer: EVP and Deputy CLO | −1,165 | $38.75 |
| Mar 19, 2026 | Michael J. Gilfeather | director, officer: President and CEO | +200 | $31.25 |
| Dec 11, 2025 | David P. Dineen | officer: SVP, Dir. Wealth Services | −1,000 | $28.81 |
- Tompkins Financial
Hudson Valley community-bank and wealth-management peer
- NorthEast Community Bancorp
White Plains community bank with Orange/Rockland branch overlap
- Dime Commercial Bancshares
New York metro commercial-bank peer in deposits and CRE
- Rhinebeck Bancorp
Hudson Valley banking peer with Orange County branch overlap
- Peapack-Gladstone Financial
Private-bank and wealth-management rival in the NY/NJ market
- Valley National Bancorp
Scaled NY/NJ regional bank with commercial and wealth overlap
- ConnectOne Bancorp
NJ/NY metro commercial bank for small and mid-sized businesses
- Provident Financial Services
Super-community bank with Orange County and wealth overlap
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Orange County Bancorp | $37.20 | −0.65% | $502.0M | 10.5 | 10.9 | 3.3 | −14.2% |
| Tompkins Financial | $97.83 | +0.01% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| NorthEast Community Bancorp | $26.61 | −0.85% | $370.8M | 8.6 | 8.3 | 2.4 | 0.0% |
| Dime Commercial Bancshares | $40.17 | −0.91% | $1.79B | 14.6 | 10.6 | 2.4 | +17.1% |
| Rhinebeck Bancorp | $13.05 | −0.37% | $204.9M | 14.6 | — | 3.4 | −81.4% |
| Peapack-Gladstone Financial | $44.52 | −0.35% | $791.7M | 15.5 | 10.8 | 1.7 | +25.4% |
| Valley National Bancorp | $13.00 | −0.91% | $7.27B | 10.9 | 9.2 | 2.4 | +13.3% |
| ConnectOne Bancorp | $30.87 | −1.06% | $1.57B | 9.7 | 8.8 | 2.6 | +46.0% |
| Provident Financial Services | $22.58 | −0.33% | $2.95B | 9.4 | 9.1 | 2.1 | +9.7% |
| Median | 10.3 | 9.2 | 2.4 | +11.5% |