Orange County Bancorp, Inc. (OBT)

Orange County Bancorp announced record earnings in Q2 and Q3 2025, surpassing analyst expectations. The company increased its quarterly dividend to $0.18. It completed a public offering of common stock at $23.25 per share to support growth. A temporary trading blackout for executives occurred in November 2025. Analysts held a "Moderate Buy" rating with an average price target of $30.25.

The banking industry experiences seasonal trends in loan and investment service demand. Loan demand is typically lowest in January and February, peaking in August or September. Investment service demand increases in December and early January due to portfolio rebalancing and tax planning. Orange County Bancorp has noted some seasonality in its low-cost deposit base.

Orange County Bancorp, Inc. is a financial services holding company based in Middletown, New York, with over 130 years of history. It operates in banking through Orange Bank & Trust Company and in wealth management through Orange Wealth Management. The company offers commercial and consumer banking services, including checking and savings accounts, lending, and digital banking, as well as asset management and trust services. Commercial Real Estate lending constitutes a significant portion of its loan portfolio.

Orange County Bancorp, Inc. serves individuals and businesses in the Hudson Valley region, the New York metropolitan area (including Westchester and the Bronx), and nearby markets in Connecticut and New Jersey. The company has expanded its branch network to include locations in Rockland, Westchester, and the Bronx.

Orange County Bancorp rebranded its investment advisory subsidiary to Orange Investment Advisors and unified wealth management services under Orange Wealth Management. Paula Fidanza received an "Inspiring Leader Award." The company experienced an increase in non-accrual loans in Q2 and Q3 2025.

Orange County Bancorp, Inc. has significant institutional ownership, with 55.72% of shares held by institutions as of Q4 2025. Major holders include BlackRock, Inc., Orange Investment Advisors, Inc., The Vanguard Group, Inc., Wellington Management Group LLP, and Banc Funds Company, L.L.C. Individual insiders own approximately 12.2% of the company's shares, while the general public holds about 32.9%. Insider buying has exceeded insider selling in the past three months.