Orange County Bancorp, Inc. (OBT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$38.72+0.83%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · OBT
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to increase net income and EPS through growth in net interest income, deposit base, and operational efficiency.
Stated as a priority in 2 of last 2 quarters. Net income grew from $10.5 million in 2025-Q2 to $13.7 million in 2026-Q2 (+30.6%), and EPS rose from $0.87 to $1.02 (+17.2%) over the same period. Management's focus on net interest margin expansion and deposit growth aligns with this financial improvement, indicating delivery on this priority.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Net Income increased 30.6% to $13.7 million; EPS increased 17.2% to $1.02 per share.”
“Net Income increased 29.6% to $11.3 million; EPS increased 10.4% to $0.85 per share.”
Grow low-cost core deposits to reduce reliance on higher-cost brokered deposits and borrowings.
Stated as a priority in 2 of last 2 quarters. Total deposits grew by $120.8 million from $2.3 billion at 2025-Q4 to $2.4 billion at 2026-Q2, driven by core deposits growth that reduced brokered deposits and borrowing costs. This deposit growth and cost reduction trajectory matches management's stated focus and shows delivery.
“Total deposits increased $120.8 million to $2.4 billion; core deposits growth reduced brokered deposits.”
“Total deposits increased $39.4 million to $2.4 billion; growth reflected core deposits and reduced brokered deposits.”
Continue paying consistent cash dividends to shareholders as part of capital allocation strategy.
Stated as a priority in 2 recent disclosures. The company declared consistent $0.18 per share cash dividends payable in June and September 2026, reflecting ongoing commitment to regular dividend payments. This matches management's stated capital allocation approach and shows delivery on this priority.
Focus on stabilizing assets under management and earnings in Wealth Management following prior restructuring.
Stated as a priority in 2 of last 2 quarters. Wealth Management earnings declined about 5% year-over-year in both 2026-Q1 and Q2, with a smaller sequential decline in Q2 indicating stabilization. Assets under management decreased about 11-13% from December 2025 to June 2026. Management acknowledges challenges but sees stabilization, indicating mixed progress.
“Wealth Management earned $3.2 million, down 5.2% YoY but only 1.56% versus prior quarter, showing stabilization.”
“Wealth Management earned $3.3 million, down 5.0% YoY and 12.5% versus prior quarter due to AUM reduction.”
Over the trailing year it converted 0.89x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
17 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.