OBT Orange County Bancorp, Inc. - Common Stock
$38.82
Price · Aug 19, 2026
Fundamentals as of Aug 10, 2026
52W Range
$23–$40
92% of range
Analyst Rating
BUY
6 analysts
Price Target
$42
+9% upside
P/E (TTM)
11.7
ROE
15.5%
Net Profit Margin
32.7%
OBT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$38.82
Market Cap
$519M
P/E (TTM)
11.7
EPS (TTM)
$3.33
Revenue (TTM)
—
Div Yield
1.4%
ROE
15.5%
Debt/Equity
—
52W Range
$23 – $40
OBT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$3.33
2023-12-31
→
2025-12-31
Free Cash Flow
$41M
2023-12-31
→
2025-12-31
Margins
32.7%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
OBT
Peer Median
P/E (TTM)
11.7
11.6
P/S (TTM)
4.1
2.5
P/B
1.8
1.0
Price / FCF
12.6
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
OBT
Peer Median
Net Profit Margin
32.7%
27.9%
ROA
1.6%
1.1%
ROE
15.5%
10.1%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
OBT
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
OBT
Peer Median
Revenue YoY
18.1%
—
Revenue CAGR 3Y
12.2%
—
Revenue CAGR 5Y
16.2%
—
EPS YoY
34.8%
—
Net Income YoY
49.2%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
OBT
Peer Median
Payout Ratio
17.1%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.4%
Payout Ratio
17.1%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| June 4, 2026 | $0.1800 |
| March 4, 2026 | $0.1800 |
| Dec. 4, 2025 | $0.1800 |
| Sept. 8, 2025 | $0.1300 |
| June 4, 2025 | $0.1300 |
| March 4, 2025 | $0.1300 |
| Dec. 4, 2024 | $0.1250 |
| Sept. 4, 2024 | $0.1150 |
| June 4, 2024 | $0.1150 |
| March 1, 2024 | $0.1150 |
| Dec. 1, 2023 | $0.1150 |
| Aug. 31, 2023 | $0.1150 |
| June 1, 2023 | $0.1150 |
| March 2, 2023 | $0.1150 |
| Dec. 1, 2022 | $0.1150 |
| Sept. 1, 2022 | $0.1000 |
| June 1, 2022 | $0.1000 |
| March 1, 2022 | $0.1000 |
| Dec. 2, 2021 | $0.1000 |
| Sept. 2, 2021 | $0.1000 |
OBT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
6 analysts
- Strong Buy 2 33.3%
- Buy 3 50.0%
- Hold 1 16.7%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
2 analysts · 2026-08-14
Median
$42.25
← Below all targets
$38.82
Low
$42.00
High
$42.50
Median target
$42.25
+8.8%
Mean target
$42.25
+8.8%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.14%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $1.38 | $0.81 | 0.57% |
| March 31, 2026 | $0.85 | $0.79 | 0.06% |
| Dec. 31, 2025 | $0.93 | $0.74 | 0.19% |
| Sept. 30, 2025 | $0.75 | $0.69 | 0.06% |
| June 30, 2025 | $0.63 | $0.74 | -0.11% |
| March 31, 2025 | $0.77 | $0.67 | 0.10% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| OBT | $382M | 8.6 | 18.1% | 32.7% | 15.5% | — |
| BWFG | $362M | 10.3 | 44.0% | 1245.5% | 12.0% | — |
| BSRR | $434M | 10.5 | 2.5% | 27.3% | 11.8% | — |
| COFS | $443M | 14.7 | 63.6% | 12.4% | 6.3% | — |
| PDLB | $395M | 13.6 | 30.5% | 26.3% | 5.4% | — |
| BSVN | $388M | 9.1 | -1.1% | 44.7% | 18.6% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $29M | $6M | $4M | $5M | |
| Interest Income | $135M | $127M | $118M | $84M | $64M | $53M | |
| Pretax Income | $52M | $35M | $37M | $30M | $27M | $15M | |
| Income Tax | $10M | $7M | $8M | $6M | $5M | $3M | |
| Net Income | $42M | $28M | $29M | $24M | $21M | $12M | |
| EPS (Basic) | $3.33 | $2.47 | $2.62 | $4.33 | $4.28 | $2.59 | |
| EPS (Diluted) | $3.33 | $2.47 | $2.62 | $4.33 | $4.28 | $2.59 | |
| Shares (Basic) | 12,508,985 | 11,303,118 | 11,258,300 | 5,621,630 | 4,968,692 | 4,508,508 | |
| Shares (Diluted) | 12,508,985 | 11,303,118 | 11,258,300 | 5,621,630 | 4,968,692 | 4,508,508 |
Balance Sheet 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| PP&E (Net) | $15M | $16M | $16M | $15M | $15M | $14M | |
| PP&E (Gross) | $34M | $34M | $34M | $31M | $30M | $28M | |
| Accum. Depreciation | $19M | $18M | $18M | $16M | $15M | $14M | |
| Goodwill | $5M | $5M | $5M | $5M | $5M | $5M | |
| Intangibles | $535.0K | $821.0K | $1M | $1M | $2M | $2M | |
| Total Assets | $2.66B | $2.51B | $2.49B | $2.29B | $2.14B | $1.66B | |
| Total Liabilities | $2.38B | $2.32B | $2.32B | $2.15B | $1.96B | $1.53B | |
| Common Stock | $3M | $3M | $3M | $3M | $3M | $2M | |
| Paid-in Capital | $165M | $121M | $120M | $120M | $120M | $85M | |
| Retained Earnings | $164M | $130M | $107M | $85M | $65M | $48M | |
| Treasury Stock | $199.0K | $375.0K | $1M | $1M | $1M | $1M | |
| AOCI | $-48M | $-68M | $-64M | $-68M | $-3M | $2M | |
| Stockholders' Equity | $284M | $186M | $165M | $138M | $183M | $135M | |
| Liabilities + Equity | $2.66B | $2.51B | $2.49B | $2.29B | $2.14B | $1.66B | |
| Shares Outstanding | 13,368,447 | 11,350,158 | 11,302,622 | 5,642,621 | 5,637,376 | 4,483,102 |
Cash Flow 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Deferred Tax | $-391.0K | $-976.0K | $-207.0K | $-1M | $-956.0K | $-533.0K | |
| Amort. of Intangibles | $286.0K | $286.0K | $285.0K | $286.0K | $285.0K | $286.0K | |
| Operating Cash Flow | $44M | $35M | $44M | $30M | $20M | $11M | |
| CapEx | $3M | $2M | $4M | $2M | $2M | $692.0K | |
| Investing Cash Flow | $-74M | $-29M | $-145M | $-434M | $-291M | $-331M | |
| Stock Issued | $43M | · | · | · | $35M | · | |
| Net Stock Activity | $43M | · | · | · | $35M | · | |
| Dividends Paid | $7M | $5M | $5M | $5M | $4M | $4M | |
| Financing Cash Flow | $84M | $-2M | $162M | $184M | $456M | $416M | |
| Net Change in Cash | $54M | $3M | $61M | $-220M | $185M | $96M | |
| Taxes Paid | $10M | · | · | · | · | · | |
| Free Cash Flow | $41M | $33M | $41M | $29M | $18M | · | |
| Levered FCF | · | · | $18M | $24M | $15M | · |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Net Margin | 32.7% | 25.9% | 28.9% | 27.0% | 29.3% | · | |
| Pretax Margin | 40.5% | 32.3% | 36.5% | 33.6% | 36.8% | · | |
| ROA | 1.6% | 1.1% | 1.2% | 1.1% | 0.99% | · | |
| ROE | 15.5% | 14.7% | 19.1% | 17.8% | 11.7% | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | 18.1% | 5.8% | 13.0% | 24.1% | 20.6% | · | |
| Revenue CAGR 3Y | 12.2% | 14.1% | 19.2% | · | · | · | |
| Revenue CAGR 5Y | 16.2% | · | · | · | · | · | |
| EPS YoY | 34.8% | -5.7% | -39.5% | 1.2% | 65.2% | · | |
| EPS CAGR 3Y | -8.4% | -16.7% | 0.38% | · | · | · | |
| EPS CAGR 5Y | 5.1% | · | · | · | · | · | |
| Net Income YoY | 49.2% | -5.4% | 21.0% | 14.4% | 82.3% | · | |
| Net Income CAGR 3Y | 19.5% | 9.4% | 36.1% | · | · | · | |
| Net Income CAGR 5Y | 28.9% | · | · | · | · | · | |
| Dividend CAGR 5Y | 14.6% | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $127M | $108M | $102M | $90M | $73M | · | |
| Net Income TTM | $42M | $28M | $29M | $24M | $21M | · | |
| Market Cap | $382M | $315M | $170M | $131M | $113M | · | |
| P/E | 8.6 | 11.2 | 11.5 | 5.4 | 4.7 | · | |
| P/S | 3.0 | 2.9 | 1.7 | 1.5 | 1.6 | · | |
| P/B | 1.3 | 1.7 | 1.0 | 1.0 | 0.6 | · | |
| P / Tangible Book | 1.4 | 1.8 | 1.1 | 1.0 | 0.6 | · | |
| P / Cash Flow | 8.7 | 9.1 | 3.8 | 4.3 | 5.6 | · | |
| P / FCF | 9.2 | 9.6 | 4.2 | 4.5 | 6.2 | · | |
| Dividend Yield | 1.9% | 1.7% | 3.0% | 3.5% | 3.6% | · | |
| Earnings Yield | 11.7% | 8.9% | 8.7% | 18.6% | 21.3% | · | |
| Payout Ratio | 17.1% | 19.1% | 17.6% | 19.2% | 18.9% | · | |
| Annual Payout | $7M | $5M | $5M | $5M | $4M | · |
Income Statement 9
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $8M | $9M | · | $8M | $7M | $5M | $3M | $1M | |
| Interest Income | $35M | $34M | $35M | $35M | $33M | $32M | $32M | $31M | $33M | $31M | $32M | $30M | $30M | $26M | $26M | $23M | |
| Pretax Income | $12M | $15M | $14M | $13M | $14M | $11M | $9M | $4M | $10M | $12M | $11M | $11M | $11M | $4M | $11M | $10M | |
| Income Tax | $-2M | $3M | $1M | $3M | $3M | $3M | $2M | $788.0K | $2M | $2M | $3M | $2M | $2M | $696.0K | $2M | $2M | |
| Net Income | $14M | $11M | $12M | $10M | $10M | $9M | $7M | $3M | $8M | $9M | $8M | $9M | $9M | $3M | $9M | $8M | |
| EPS (Basic) | $1.02 | $0.85 | $0.94 | $0.75 | $0.87 | $0.77 | $0.64 | $0.28 | $0.73 | $0.82 | $-1.17 | $1.61 | $1.61 | $0.57 | $1.60 | $1.40 | |
| EPS (Diluted) | $1.02 | $0.85 | $0.94 | $0.75 | $0.87 | $0.77 | $0.64 | $0.28 | $0.73 | $0.82 | $-1.17 | $1.61 | $1.61 | $0.57 | $1.60 | $1.40 | |
| Shares (Basic) | 13,381,376 | 13,351,885 | -24,155,604 | 13,337,890 | 11,994,815 | 11,331,884 | -22,557,432 | 11,307,808 | 11,282,868 | 11,269,874 | -5,626,032 | 5,629,642 | 5,629,030 | 5,625,660 | -11,254,505 | 5,623,172 | |
| Shares (Diluted) | 13,381,376 | 13,351,885 | -24,155,604 | 13,337,890 | 11,994,815 | 11,331,884 | -22,557,432 | 11,307,808 | 11,282,868 | 11,269,874 | -5,626,032 | 5,629,642 | 5,629,030 | 5,625,660 | -11,254,505 | 5,623,172 |
Balance Sheet 15
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $15M | $16M | $15M | $15M | $15M | $16M | $16M | $14M | $16M | $16M | $16M | $16M | $16M | $17M | $15M | $15M | |
| PP&E (Gross) | · | · | $34M | · | · | · | $34M | · | · | · | $34M | · | · | · | $31M | · | |
| Accum. Depreciation | · | · | $19M | · | · | · | $18M | · | · | · | $18M | · | · | · | $16M | · | |
| Goodwill | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | |
| Intangibles | $393.0K | $464.0K | $535.0K | $607.0K | $678.0K | $750.0K | $821.0K | $892.0K | $964.0K | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Total Assets | $2.80B | $2.71B | $2.66B | $2.64B | $2.61B | $2.56B | $2.51B | $2.52B | $2.48B | $2.45B | $2.49B | $2.45B | $2.49B | $2.45B | $2.29B | $2.37B | |
| Total Liabilities | $2.49B | $2.41B | $2.38B | $2.37B | $2.35B | $2.36B | $2.32B | $2.33B | $2.30B | $2.28B | $2.32B | $2.30B | $2.35B | $2.31B | $2.15B | $2.23B | |
| Common Stock | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Paid-in Capital | $168M | $166M | $165M | $165M | $165M | $122M | $121M | $121M | $121M | $121M | $120M | $120M | $120M | $120M | $120M | $120M | |
| Retained Earnings | $185M | $173M | $164M | $154M | $146M | $137M | $130M | $124M | $122M | $115M | $107M | $101M | $93M | $85M | $85M | $77M | |
| Treasury Stock | $199.0K | $199.0K | $199.0K | $199.0K | $199.0K | $199.0K | $375.0K | $410.0K | $729.0K | $958.0K | $1M | $1M | $1M | $1M | $1M | $1M | |
| AOCI | $-49M | $-51M | $-48M | $-52M | $-61M | $-60M | $-68M | $-54M | $-67M | $-69M | $-64M | $-79M | $-66M | $-58M | $-68M | $-62M | |
| Stockholders' Equity | $307M | $292M | $284M | $270M | $253M | $201M | $186M | $193M | $178M | $169M | $165M | $144M | $148M | $149M | $138M | $136M | |
| Liabilities + Equity | $2.80B | $2.71B | $2.66B | $2.64B | $2.61B | $2.56B | $2.51B | $2.52B | $2.48B | $2.45B | $2.49B | $2.45B | $2.49B | $2.45B | $2.29B | $2.37B | |
| Shares Outstanding | 13,407,904 | 13,407,690 | 13,368,447 | 13,366,740 | 13,362,912 | 11,383,738 | 11,350,158 | 5,674,126 | 5,663,671 | 5,657,458 | 11,302,622 | 5,650,458 | 5,645,304 | 5,642,789 | 5,642,621 | 5,642,121 |
Cash Flow 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amort. of Intangibles | $72.0K | $71.0K | $72.0K | $71.0K | $72.0K | $71.0K | $72.0K | $71.0K | $71.0K | $72.0K | $72.0K | $71.0K | $71.0K | $71.0K | $73.0K | $71.0K | |
| Operating Cash Flow | $13M | $10M | $14M | $30M | $-5M | $5M | $13M | $10M | $9M | $2M | $16M | $11M | $9M | $8M | $7M | $13M | |
| CapEx | $250.0K | $563.0K | $695.0K | $594.0K | $733.0K | $494.0K | $1M | $290.0K | $108.0K | $252.0K | $481.0K | $115.0K | $602.0K | $2M | $400.0K | $729.0K | |
| Investing Cash Flow | $-14M | $6M | $-5M | $-23M | $-21M | $-25M | $-17M | $-60M | $15M | $32M | $-38M | $14M | $-35M | $-86M | $-15M | $-87M | |
| Stock Issued | · | · | $-171.0K | $-125.0K | · | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $79M | $37M | $6M | $7M | $38M | $34M | $-7M | $21M | $21M | $-37M | $11M | $-45M | $39M | $157M | $-86M | $-17M | |
| Net Change in Cash | $77M | $53M | $14M | $14M | $11M | $14M | $-11M | $-29M | $45M | $-3M | $-11M | $-20M | $13M | $79M | $-94M | $-91M | |
| Free Cash Flow | · | $10M | · | · | · | $4M | · | · | · | $2M | · | · | · | $6M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-6M | · | · | · | $2M | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 49.1% | 35.2% | · | 29.7% | 32.2% | 31.1% | · | 11.8% | 29.4% | 36.7% | · | 35.1% | 35.1% | 13.3% | · | 32.2% | |
| Pretax Margin | 41.6% | 45.5% | · | 38.6% | 41.9% | 40.3% | · | 14.8% | 36.6% | 45.9% | · | 43.9% | 43.4% | 16.2% | · | 39.9% | |
| ROA | 0.51% | 0.43% | · | 0.39% | 0.41% | 0.35% | · | 0.13% | 0.33% | 0.38% | · | 0.38% | 0.37% | 0.14% | · | 0.35% | |
| ROE | 4.9% | 4.6% | · | 4.3% | 4.9% | 4.7% | · | 1.9% | 5.0% | 5.9% | · | 6.5% | 6.2% | 2.1% | · | 5.0% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $126M | $126M | · | $121M | $116M | $108M | · | $106M | $105M | $101M | · | $100M | $95M | $88M | · | $83M | |
| Net Income TTM | $45M | $40M | · | $32M | $31M | $29M | · | $30M | $36M | $31M | · | $29M | $22M | $19M | · | $21M | |
| Market Cap | $493M | $429M | · | $337M | $345M | $266M | · | $171M | $150M | $130M | · | $122M | $104M | $124M | · | $109M | |
| P/E | 10.5 | 9.9 | · | 9.4 | 9.8 | 9.0 | · | 8.8 | 5.5 | 5.0 | · | 4.2 | 4.7 | 6.7 | · | 5.1 | |
| P/S | 3.9 | 3.4 | · | 2.8 | 3.0 | 2.5 | · | 1.6 | 1.4 | 1.3 | · | 1.2 | 1.1 | 1.4 | · | 1.3 | |
| P/B | 1.6 | 1.5 | · | 1.2 | 1.4 | 1.3 | · | 0.9 | 0.8 | 0.8 | · | 0.8 | 0.7 | 0.8 | · | 0.8 | |
| P / Tangible Book | 1.6 | 1.5 | · | 1.3 | 1.4 | 1.4 | · | 0.9 | 0.9 | 0.8 | · | 0.9 | 0.7 | 0.9 | · | 0.8 | |
| P / Cash Flow | · | 41.9 | · | · | · | 55.0 | · | · | · | 57.8 | · | · | · | 15.2 | · | · | |
| P / FCF | · | 44.4 | · | · | · | 61.3 | · | · | · | 65.0 | · | · | · | 21.3 | · | · | |
| Earnings Yield | 9.5% | 10.1% | · | 10.6% | 10.3% | 11.1% | · | 11.4% | 18.0% | 20.0% | · | 24.0% | 21.4% | 15.0% | · | 19.7% | |
| Payout Ratio | · | 21.3% | · | · | · | 17.0% | · | · | · | 14.0% | · | · | · | 40.2% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Net Income | $42M | — | — | $28M | — |
| Diluted EPS | $3.33 | — | — | $2.47 | — |
Cash Flow
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Free Cash Flow | $41M | — | — | $33M | — |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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Institutional owners (13F) 118 filers · $183.1M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 21 (+7 vs prior Q) | 4 (-4 vs prior Q) | 47 (+16 vs prior Q) | 23 (-4 vs prior Q) | +467K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Orange Investment Advisors, Inc. | $39,020,712 | 1,060,922 | 21.32% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $17,323,601 | 471,006 | 9.46% | Shares |
| AMERICAN CENTURY COMPANIES INC | $11,465,797 | 311,740 | 6.26% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $11,310,953 | 307,530 | 6.18% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $9,124,573 | 248,030 | 4.98% | Shares |
| BlackRock, Inc. | $8,851,916 | 240,672 | 4.84% | Shares |
| STATE STREET CORP | $7,955,109 | 216,289 | 4.35% | Shares |
| BANC FUNDS CO LLC | $6,842,367 | 186,035 | 3.74% | Shares |
| ALLIANCEBERNSTEIN L.P. | $5,241,170 | 163,889 | 2.86% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $4,977,989 | 135,345 | 2.72% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,738,613 | 101,648 | 2.04% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $3,615,989 | 98,314 | 1.98% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,154,437 | 85,765 | 1.72% | Shares |
| BROWN BROTHERS HARRIMAN & CO | $3,103,276 | 84,374 | 1.70% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,660,224 | 72,328 | 1.45% | Shares |
| EJF Capital LP | $2,594,572 | 70,543 | 1.42% | Shares |
| GOLDMAN SACHS GROUP INC | $2,474,742 | 67,285 | 1.35% | Shares |
| BANK OF AMERICA CORP /DE/ | $2,125,479 | 57,789 | 1.16% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,805,898 | 49,100 | 0.99% | Shares |
| AMERIPRISE FINANCIAL INC | $1,647,340 | 44,789 | 0.90% | Shares |
| HSBC HOLDINGS PLC | $1,596,884 | 43,429 | 0.87% | Shares |
| Qube Research & Technologies Ltd | $1,499,300 | 40,764 | 0.82% | Shares |
| FIRST TRUST ADVISORS LP | $1,450,823 | 39,446 | 0.79% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,387,011 | 37,711 | 0.76% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,371,085 | 37,278 | 0.75% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $1,362,699 | 37,050 | 0.74% | Shares |
| Quantinno Capital Management LP | $1,294,840 | 35,205 | 0.71% | Shares |
| Bank of New York Mellon Corp | $1,289,838 | 35,069 | 0.70% | Shares |
| KEYBANK NATIONAL ASSOCIATION/OH | $1,287,300 | 35,000 | 0.70% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,285,461 | 34,950 | 0.70% | Shares |
| Carnegie Investment Counsel | $1,155,922 | 31,428 | 0.63% | Shares |
| SummerHaven Investment Management, LLC | $999,938 | 27,187 | 0.55% | Shares |
| XTX Topco Ltd | $980,371 | 26,655 | 0.54% | Shares |
| MILLENNIUM MANAGEMENT LLC | $977,612 | 26,580 | 0.53% | Shares |
| BARCLAYS PLC | $940,501 | 25,571 | 0.51% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $911,409 | 24,780 | 0.50% | Shares |
| U.S. Capital Wealth Advisors, LLC | $863,396 | 26,998 | 0.47% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $844,432 | 22,959 | 0.46% | Shares |
| Gator Capital Management, LLC | $809,896 | 22,020 | 0.44% | Shares |
| Eagle Ridge Investment Management | $789,094 | 14,200 | 0.43% | Shares |
| LPL Financial LLC | $781,943 | 21,260 | 0.43% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $637,330 | 17,328 | 0.35% | Shares |
| JPMORGAN CHASE & CO | $632,149 | 16,975 | 0.35% | Shares |
| Squarepoint Ops LLC | $579,506 | 15,756 | 0.32% | Shares |
| RHUMBLINE ADVISERS | $464,707 | 12,635 | 0.25% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $440,036 | 11,964 | 0.24% | Shares |
| TWO SIGMA ADVISERS, LP | $416,830 | 14,600 | 0.23% | Shares |
| WELLS FARGO & COMPANY/MN | $400,534 | 10,890 | 0.22% | Shares |
| Voleon Capital Management LP | $366,476 | 9,964 | 0.20% | Shares |
| HighTower Advisors, LLC | $349,992 | 9,516 | 0.19% | Shares |
| MetLife Investment Management, LLC | $319,765 | 8,694 | 0.17% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $304,465 | 8,278 | 0.17% | Shares |
| Daytona Street Capital LLC | $295,000 | 8,000 | 0.16% | Shares |
| Hillsdale Investment Management Inc. | $294,240 | 8,000 | 0.16% | Shares |
| MORGAN STANLEY | $294,240 | 8,000 | 0.16% | Shares |
| KAHN BROTHERS GROUP INC | $294,240 | 8,000 | 0.16% | Shares |
| IEQ CAPITAL, LLC | $259,741 | 7,062 | 0.14% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $253,083 | 6,881 | 0.14% | Shares |
| Quadrature Capital Ltd | $244,734 | 6,654 | 0.13% | Shares |
| Y-Intercept (Hong Kong) Ltd | $232,560 | 6,323 | 0.13% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $216,487 | 5,886 | 0.12% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $214,207 | 5,824 | 0.12% | Shares |
| CULBERTSON A N & CO INC | $213,324 | 5,800 | 0.12% | Shares |
| Biondo Investment Advisors, LLC | $209,646 | 5,700 | 0.11% | Shares |
| CITIGROUP INC | $209,462 | 5,695 | 0.11% | Shares |
| Invesco Ltd. | $183,790 | 4,997 | 0.10% | Shares |
| GLOBEFLEX CAPITAL L P | $173,381 | 4,714 | 0.09% | Shares |
| Nuveen, LLC | $160,508 | 4,364 | 0.09% | Shares |
| GoalVest Advisory LLC | $150,798 | 4,100 | 0.08% | Shares |
| Police & Firemen's Retirement System of New Jersey | $149,253 | 4,058 | 0.08% | Shares |
| Vanguard Global Advisers, LLC | $138,366 | 3,762 | 0.08% | Shares |
| CITADEL ADVISORS LLC | $136,674 | 3,716 | 0.07% | Shares |
| State of Tennessee, Department of Treasury | $118,690 | 3,227 | 0.06% | Shares |
| VANGUARD GROUP INC | $107,405 | 3,762 | 0.06% | Shares |
| UBS Group AG | $73,560 | 2,000 | 0.04% | Shares |
| NORTHERN TRUST CORP | $73,266 | 1,992 | 0.04% | Shares |
| MARSHALL WACE, LLP | $70,655 | 1,921 | 0.04% | Shares |
| CWM, LLC | $60,218 | 1,883 | 0.03% | Shares |
| Legal & General Group Plc | $45,460 | 1,236 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $42,223 | 1,148 | 0.02% | Shares |
| NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | $39,943 | 1,086 | 0.02% | Shares |
| FMR LLC | $38,178 | 1,038 | 0.02% | Shares |
| Tower Research Capital LLC (TRC) | $37,883 | 1,030 | 0.02% | Shares |
| Nuveen Asset Management, LLC | $37,343 | 672 | 0.02% | Shares |
| Versant Capital Management, Inc | $30,969 | 842 | 0.02% | Shares |
| Arax Advisory Partners | $28,541 | 776 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $20,211 | 632 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $15,000 | 404 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $13,428 | 365 | 0.01% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $8,790 | 239 | 0.00% | Shares |
| Allworth Financial LP | $8,533 | 232 | 0.00% | Shares |
| Accent Capital Management, LLC | $7,503 | 204 | 0.00% | Shares |
| Sterling Capital Management LLC | $6,915 | 188 | 0.00% | Shares |
| NISA INVESTMENT ADVISORS, LLC | $5,664 | 154 | 0.00% | Shares |
| DEUTSCHE BANK AG\ | $3,678 | 100 | 0.00% | Shares |
| IFP Advisors, Inc | $3,494 | 95 | 0.00% | Shares |
| Essential Partners LLC | $2,427 | 66 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $1,876 | 51 | 0.00% | Shares |
| PICTON MAHONEY ASSET MANAGEMENT | $1,802 | 49 | 0.00% | Shares |
| GAMMA Investing LLC | $1,545 | 42 | 0.00% | Shares |
Company insiders 12 insiders · 3 officers · 9 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Michael J Gilfeather | President and CEO | June 15, 2026 A | — | 0 | 0 | $0 |
| Michael Lesler | EVP, Chief Financial Officer | June 15, 2026 A | — | 0 | 0 | $0 |
| Gregory Sousa | EVP and Deputy CLO | Aug. 3, 2026 S | 10,572 | 0 | 2 | $-118,072 |
| Richard B Rowley | Director | July 22, 2026 A | — | 0 | 0 | $0 |
| Jon Schiller | Director | July 1, 2026 A | — | 0 | 0 | $0 |
| Marianna R Kennedy | Director | July 1, 2026 A | — | 0 | 0 | $0 |
| Kevin J Keane | Director | July 1, 2026 A | — | 0 | 0 | $0 |
| Jonathan F Rouis | Director | July 1, 2026 A | — | 0 | 0 | $0 |
| Gregory F Holcombe | Director | July 1, 2026 A | — | 0 | 0 | $0 |
| William D Morrison | Director | June 15, 2026 A | — | 0 | 0 | $0 |
| Olga Luz Tirado | Director | Jan. 2, 2026 A | — | 0 | 0 | $0 |
| Stephen Rooney | — | Aug. 4, 2026 S | 8,606 | 0 | 1 | $-58,065 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 31 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.11% | 42,925 SH | Aug. 8, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.06% | 210 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.03% | 231,452 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.03% | 23,326 NS | May 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,547 SH | Aug. 8, 2026 | Daily |
| IWN · iShares Trust | 0.02% | 78,316 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 7,574 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 332,905 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,120 NS | April 30, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 73,040 SH | Aug. 8, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,167 SH | Aug. 8, 2026 | Daily |
| ITWO · ProShares Trust | 0.01% | 549 NS | May 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.01% | 37,407 SH | Aug. 8, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 36,966 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 430 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 435 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 436 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 505 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 11 NS | May 31, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 331 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 6,471 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 918 NS | April 30, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,324 SH | Aug. 8, 2026 | Daily |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 3,841 NS | May 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,673 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,113 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 214 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 4,262 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 122,703 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 337,803 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 984 SH | Aug. 8, 2026 | Daily |