Orange County Bancorp, Inc. (OBT)

Orange County Bancorp, Inc. priced a public offering of 1,720,430 common stock shares at $23.25 per share on June 3, 2025, to raise approximately $40.0 million for general corporate purposes, which closed on June 5, 2025. On July 30, 2025, the company announced record second-quarter earnings, with net income increasing by 27% to $10.5 million, and declared quarterly cash dividends of $0.13 per share. On August 27, 2025, another cash dividend was declared. On October 8, 2025, Hudson Valley Investment Advisors rebranded to Orange Investment Advisors. The company is expected to release its Q3 2025 earnings on October 29, 2025.

The banking industry experiences seasonal trends with loan demand typically low in late January and February, surging from March through May, and remaining relatively flat through the summer. From October through early January, the financial services sector tends to experience a steady increase in business, influenced by factors like the spring home-buying season and increased demand for investment services.

Orange County Bancorp, Inc. offers commercial and consumer banking products and services, along with trust and wealth management services. The banking segment provides loan and deposit products, including checking and savings accounts, money market accounts, certificates of deposit, and various loan types. The wealth management segment offers asset management and trust services, generating fee income.

The company primarily serves the Lower Hudson Valley region, the New York metropolitan area, and nearby markets in Connecticut and New Jersey. Orange Bank & Trust Company has expanded its branch network to include locations in Rockland, Westchester, and the Bronx.

No specific events have significantly impacted Orange County Bancorp, Inc.'s brand reputation negatively or exceptionally positively in the past year. The rebranding of Hudson Valley Investment Advisors to Orange Investment Advisors in October 2025 aims to enhance brand cohesion.

Institutional investors hold 50.86% of Orange County Bancorp, Inc.'s stock, while individuals own 21.66%. Major institutional shareholders include Manulife Financial Corp. (2.8%) and State Street Corp. (1.39%).