Orange County Bancorp, Inc. (OBT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$39.86-1.39%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Our deliberate effort to lower deposit costs through organic growth was successful in Q3.
Stated in 3 of 3 supplied quarters. Management reported: “Success in our strategic efforts to attract low cost, organically – sourced deposits resulted in an average cost of deposits for the current quarter of 0.96%, down 35 basis points, or 26.6% from Q2 2025 and down 9 basis points or 8.2% versus Q1 2026.” “Our deliberate effort to lower deposit costs through organic growth was successful in Q3.”
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 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Our deliberate effort to lower deposit costs through organic growth was successful in Q3.”
“Success in our strategic efforts to attract low cost, organically – sourced deposits resulted in an average cost of deposits for the current quarter of 0.96%, down 35 basis points, or 26.6% from Q2 2…”
“As discussed previously, we have made organically sourced deposits a key focus of the Bank, and this initiative continues to meet with success.”
Profitability Regulatory Capital Asset Quality June 30, 2026, Financial Snapshot (YTD) Note: ROAA and ROAE for the six months ended June 30, 2026 is annualized, unless otherwise noted.
Stated in 1 of 3 supplied quarters. Management reported: “Our new loan pipeline remains robust, and we would anticipate these returning to more normal growth levels.” “Profitability Regulatory Capital Asset Quality June 30, 2026, Financial Snapshot (YTD) Note: ROAA and ROAE for the six months ended June 30, 2026 is annualized, unless otherwise noted.”
“Our new loan pipeline remains robust, and we would anticipate these returning to more normal growth levels.”
Together these businesses generated $4.0 million for the quarter, up a combined $445 thousand or 12.6% from Q3 2025, but still below our long-term goal.
Stated in 3 of 3 supplied quarters. Management reported: “Together these businesses generated $4.0 million for the quarter, up a combined $445 thousand or 12.6% from Q3 2025, but still below our long-term goal.” “We view Wealth Management as a key component of our business strategy and client value proposition.”
“Together these businesses generated $4.0 million for the quarter, up a combined $445 thousand or 12.6% from Q3 2025, but still below our long-term goal.”
“We view Wealth Management as a key component of our business strategy and client value proposition.”
“We remain excited by the prospects for this division and view it as a key component of our business strategy and client value proposition.”
Profitability Regulatory Capital Asset Quality June 30, 2026, Financial Snapshot (YTD) Note: ROAA and ROAE for the six months ended June 30, 2026 is annualized, unless otherwise noted.
Stated in a supplied disclosure. Management reported: “Profitability Regulatory Capital Asset Quality June 30, 2026, Financial Snapshot (YTD) Note: ROAA and ROAE for the six months ended June 30, 2026 is annualized, unless otherwise noted.” “Profitability Regulatory Capital Asset Quality June 30, 2026, Financial Snapshot (YTD) Note: ROAA and ROAE for the six months ended June 30, 2026 is annualized, unless otherwise noted.”
See slides 27 and 28 for applicable reconciliation.
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=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
16 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.