OBT Orange County Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$37.73
· of 52w range
· above low
· to high
$23.2552w low
$40.1052w high
Market Cap (MRQ)
$506M
P/E
11.3
EPS
$3.33
your badges
52W Range
$23–$40
Analyst Rating
BUY
Price Target
$43
P/E
11.3
ROE
15.5%
Net Profit Margin
32.7%
Your badge strip is empty — pin a metric anywhere on this page.
OBT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$37.73
Market Cap (MRQ)
$506M
P/E
11.3
EPS
$3.33
Div Yield
1.4%
ROE
15.5%
52W Range
$23–$40
OBT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Jan. 13, 2025 | 2-for-1 | Forward |
| Feb. 26, 2018 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.332023-12-31 → 2025-12-31
Free Cash Flow$41M2023-12-31 → 2025-12-31
Net margin32.7%2023-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | OBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.3 | · | 11.0 | Undervalued | |
| P/S | 4.0 | · | 3.2 | Overvalued | |
| P/B (MRQ) | 1.6 | · | 1.1 | Overvalued | |
| Price / FCF (TTM) | 7.8 | · | · | · | |
| Price / Cash Flow (TTM) | 7.6 | · | 10.8 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.7 | · | · | · | |
| PEG Ratio | ≈2.2 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | OBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 40.5% | · | 44.0% | Weak | |
| Net Profit Margin | 32.7% | · | 36.1% | Top tier | |
| ROA | 1.6% | · | 0.98% | Top tier | |
| ROE | 15.5% | · | 11.8% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | OBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 18.1% | · | · | · | |
| Revenue CAGR 3Y | 12.2% | · | · | · | |
| Revenue CAGR 5Y | 16.2% | · | · | · | |
| EPS YoY | 34.8% | · | · | · | |
| Net Income YoY | 49.2% | · | · | · | |
| EPS CAGR 3Y | -8.4% | · | · | · | |
| EPS CAGR 5Y | 5.1% | · | · | · | |
| Net Income CAGR 3Y | 19.5% | · | · | · | |
| Net Income CAGR 5Y | 28.9% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | OBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.4%
Payout Ratio17.1%
Annualized Payout≈$0.72
5Y Div CAGR≈5.4%
Growth Streak≈4
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 4, 2026 | $0.18 | USD | ≈1.9% |
| Jun 4, 2026 | $0.18 | USD | ≈2.0% |
| Mar 4, 2026 | $0.18 | USD | ≈1.9% |
| Dec 4, 2025 | $0.18 | USD | ≈2.1% |
| Sep 8, 2025 | $0.13 | USD | ≈1.9% |
| Jun 4, 2025 | $0.13 | USD | ≈2.1% |
| Mar 4, 2025 | $0.13 | USD | ≈1.9% |
| Dec 4, 2024 | $0.13 | USD | ≈1.6% |
| Sep 4, 2024 | $0.12 | USD | ≈1.6% |
| Jun 4, 2024 | $0.12 | USD | ≈2.0% |
| Mar 1, 2024 | $0.12 | USD | ≈2.1% |
| Dec 1, 2023 | $0.12 | USD | ≈1.9% |
| Aug 31, 2023 | $0.12 | USD | ≈2.0% |
| Jun 1, 2023 | $0.12 | USD | ≈2.8% |
| Mar 2, 2023 | $0.12 | USD | ≈1.6% |
| Dec 1, 2022 | $0.12 | USD | ≈1.8% |
| Sep 1, 2022 | $0.10 | USD | ≈2.3% |
| Jun 1, 2022 | $0.10 | USD | ≈2.2% |
| Mar 1, 2022 | $0.10 | USD | ≈2.0% |
| Dec 2, 2021 | $0.10 | USD | ≈2.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
10.9%
Next Report
Oct 27, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 28, 2026 | $1.02 | $0.81 | 26.2% |
| March 31, 2026 | $0.85 | $0.79 | 7.2% | |
| Dec. 31, 2025 | $0.93 | $0.74 | 25.0% | |
| Sept. 30, 2025 | $0.75 | $0.69 | 8.1% | |
| June 30, 2025 | $0.63 | $0.74 | -15.2% | |
| March 31, 2025 | $0.77 | $0.67 | 14.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| 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
| 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
| 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
| 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Book Value / Share | $21.27 | $16.35 | $29.26 | $24.48 | $32.43 | · | |
| Revenue / Share | $10.17 | $9.53 | $18.09 | $16.02 | $14.60 | · | |
| Cash Flow / Share | $3.51 | $3.06 | $7.91 | $5.42 | $4.09 | · | |
| Dividend Paid / Share | $0.57 | $0.47 | $0.46 | $0.83 | $0.80 | $0.80 | |
| EPS (TTM) | $3.33 | $2.47 | $2.62 | $4.33 | $4.28 | · |
Growth Rates
| 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% | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 14.6% | · | · | · | · | · |
Valuation (TTM)
| 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
| 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 | · | 13,337,890 | 11,994,815 | 11,331,884 | · | 11,307,808 | 11,282,868 | 11,269,874 | · | 5,629,642 | 5,629,030 | 5,625,660 | · | 5,623,172 | |
| Shares (Diluted) | 13,381,376 | 13,351,885 | · | 13,337,890 | 11,994,815 | 11,331,884 | · | 11,307,808 | 11,282,868 | 11,269,874 | · | 5,629,642 | 5,629,030 | 5,625,660 | · | 5,623,172 |
Balance Sheet
| 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
| 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
| 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
| 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 |
Per Share
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $22.87 | $21.75 | · | $20.21 | $18.90 | $17.69 | · | $34.03 | $31.35 | $29.81 | · | $25.47 | $26.25 | $26.33 | · | $24.14 | |
| Revenue / Share | $2.08 | $2.40 | · | $2.53 | $2.71 | $2.47 | · | $4.80 | $4.95 | $4.49 | · | $4.57 | $4.60 | $4.32 | · | $4.33 | |
| Cash Flow / Share | · | $0.77 | · | · | · | $0.43 | · | · | · | $0.40 | · | · | · | $1.45 | · | · | |
| Dividend Paid / Share | $0.18 | $0.18 | $0.18 | $0.13 | $0.13 | $0.13 | $0.11 | $0.12 | $0.12 | $0.12 | $-0.23 | $0.23 | $0.23 | $0.23 | $0.23 | $0.20 | |
| EPS (TTM) | $3.56 | $3.41 | · | $3.03 | $2.56 | $2.42 | · | $0.66 | $1.99 | $2.87 | · | $5.39 | $5.18 | $3.95 | · | $3.67 |
Valuation (TTM)
| 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 | $127M | $131M | · | $122M | $115M | $110M | · | $106M | $105M | $103M | · | $102M | $100M | $95M | · | $84M | |
| Net Income TTM | $47M | $44M | · | $36M | $30M | $27M | · | $29M | $35M | $36M | · | $30M | $29M | $22M | · | $21M | |
| Market Cap | $493M | $429M | · | $337M | $345M | $266M | · | $171M | $150M | $130M | · | $122M | $104M | $124M | · | $109M | |
| P/E | 10.3 | 9.4 | · | 8.3 | 10.1 | 9.7 | · | 45.7 | 13.3 | 8.0 | · | 4.0 | 3.6 | 5.6 | · | 5.2 | |
| P/S | 3.9 | 3.3 | · | 2.8 | 3.0 | 2.4 | · | 1.6 | 1.4 | 1.3 | · | 1.2 | 1.0 | 1.3 | · | 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 | · | · | |
| Dividend Yield | 1.8% | 1.9% | · | 1.8% | 1.6% | 2.1% | · | 3.0% | 3.5% | 4.0% | · | 4.2% | 4.8% | 3.9% | · | 4.1% | |
| Earnings Yield | 9.7% | 10.7% | · | 12.0% | 9.9% | 10.3% | · | 2.2% | 7.5% | 12.5% | · | 25.0% | 28.0% | 17.9% | · | 19.1% | |
| Payout Ratio | · | 21.3% | · | · | · | 17.0% | · | · | · | 14.0% | · | · | · | 40.2% | · | · | |
| Annual Payout | $9M | $8M | · | $6M | $6M | $6M | · | $5M | $5M | $5M | · | $5M | $5M | $5M | · | $4M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $41M | · | · | $33M | · |
Institutional owners (13F) 115 filers · $282.6M total · As of Sept. 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.
Holders
115
Value held
$282.6M
New positions
16
Exited positions
4
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 16 (-2 vs prior Q) | 4 (-4 vs prior Q) | 55 (+20 vs prior Q) | 23 (-4 vs prior Q) | +73K |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | $72,093,766 | 1,960,135 | 25.51% | Shares |
| Orange Investment Advisors, Inc. | $39,020,712 | 1,060,922 | 13.81% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $17,323,601 | 471,006 | 6.13% | Shares |
| VANGUARD GROUP INC | $16,500,615 | 577,955 | 5.84% | Shares |
| AMERICAN CENTURY COMPANIES INC | $11,465,797 | 311,740 | 4.06% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $11,310,953 | 307,530 | 4.00% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $10,674,886 | 290,181 | 3.78% | Shares |
| STATE STREET CORP | $7,955,109 | 216,289 | 2.82% | Shares |
| BANC FUNDS CO LLC | $6,842,367 | 186,035 | 2.42% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $5,657,776 | 153,814 | 2.00% | Shares |
| ALLIANCEBERNSTEIN L.P. | $5,241,170 | 163,889 | 1.85% | Shares |
| MORGAN STANLEY | $4,080,373 | 110,940 | 1.44% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $3,973,877 | 108,045 | 1.41% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,738,613 | 101,648 | 1.32% | Shares |
| NORTHERN TRUST CORP | $3,638,645 | 98,930 | 1.29% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $3,615,989 | 98,314 | 1.28% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,154,437 | 85,765 | 1.12% | Shares |
| BROWN BROTHERS HARRIMAN & CO | $3,103,276 | 84,374 | 1.10% | Shares |
| MARSHALL WACE, LLP | $2,817,055 | 76,592 | 1.00% | Shares |
| GOLDMAN SACHS GROUP INC | $2,780,604 | 75,601 | 0.98% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,660,224 | 72,328 | 0.94% | Shares |
| EJF Capital LP | $2,594,572 | 70,543 | 0.92% | Shares |
| BANK OF AMERICA CORP /DE/ | $2,125,479 | 57,789 | 0.75% | Shares |
| Bank of New York Mellon Corp | $2,026,400 | 55,095 | 0.72% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,805,898 | 49,100 | 0.64% | Shares |
| AMERIPRISE FINANCIAL INC | $1,647,340 | 44,789 | 0.58% | Shares |
| HSBC HOLDINGS PLC | $1,596,884 | 43,429 | 0.57% | Shares |
| Qube Research & Technologies Ltd | $1,499,300 | 40,764 | 0.53% | Shares |
| FIRST TRUST ADVISORS LP | $1,450,823 | 39,446 | 0.51% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,387,011 | 37,711 | 0.49% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,371,085 | 37,278 | 0.49% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $1,362,699 | 37,050 | 0.48% | Shares |
| Quantinno Capital Management LP | $1,294,840 | 35,205 | 0.46% | Shares |
| KEYBANK NATIONAL ASSOCIATION/OH | $1,287,300 | 35,000 | 0.46% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,285,461 | 34,950 | 0.45% | Shares |
| Carnegie Investment Counsel | $1,155,922 | 31,428 | 0.41% | Shares |
| SummerHaven Investment Management, LLC | $999,938 | 27,187 | 0.35% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $993,060 | 27,000 | 0.35% | Shares |
| XTX Topco Ltd | $980,371 | 26,655 | 0.35% | Shares |
| MILLENNIUM MANAGEMENT LLC | $977,612 | 26,580 | 0.35% | Shares |
| CITADEL ADVISORS LLC | $962,017 | 26,156 | 0.34% | Shares |
| BARCLAYS PLC | $953,227 | 25,917 | 0.34% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $911,409 | 24,780 | 0.32% | Shares |
| U.S. Capital Wealth Advisors, LLC | $863,396 | 26,998 | 0.31% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $844,432 | 22,959 | 0.30% | Shares |
| JPMORGAN CHASE & CO | $831,792 | 22,336 | 0.29% | Shares |
| Gator Capital Management, LLC | $809,896 | 22,020 | 0.29% | Shares |
| LPL Financial LLC | $781,943 | 21,260 | 0.28% | Shares |
| Nuveen, LLC | $775,139 | 21,075 | 0.27% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $637,330 | 17,328 | 0.23% | Shares |
Company insiders 24 insiders · 11 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Michael J Gilfeather | President and CEO | Sept. 15, 2026 A | 16,400 | 3 | 0 | $45,883 |
| Michael Lesler | EVP, Chief Financial Officer | Sept. 15, 2026 A | 16,216 | 0 | 0 | $0 |
| Robert L Peacock | SEVP and CFO | Feb. 15, 2023 F | 10,302 | 0 | 0 | $0 |
| Elizabeth A Jones | SVP, Chief Operating Officer | March 19, 2026 F | 11,266 | 0 | 0 | $0 |
| Gregory Sousa | EVP and Deputy CLO | Sept. 15, 2026 A | 10,572 | 0 | 2 | $-118,072 |
| Stephen Rooney | SVP, Chief Credit Officer | Aug. 4, 2026 S | 8,606 | 0 | 1 | $-58,065 |
| Michael Listner | SVP and Chief Risk Officer | March 19, 2026 F | 9,969 | 0 | 0 | $0 |
| Joseph A Ruhl | Reg Pres, Westchester County | March 19, 2026 F | 34,782 | 0 | 0 | $0 |
| David P Dineen | SVP, Dir. Wealth Services | March 19, 2026 F | 11,480 | 0 | 2 | $-28,806 |
| Michael J Coulter | EVP and CLO | March 10, 2026 F | 4,485 | 0 | 0 | $0 |
| Frank Skuthan | SVP, Dir Trust Services | Feb. 15, 2023 F | 2,807 | 0 | 0 | $0 |
| Jon Schiller | Director | Oct. 1, 2026 A | 12,473 | 0 | 0 | $0 |
| Olga Luz Tirado | Director | Oct. 1, 2026 A | 2,963 | 0 | 0 | $0 |
| Marianna R Kennedy | Director | Oct. 1, 2026 A | 1,466 | 0 | 0 | $0 |
| Kevin J Keane | Director | Oct. 1, 2026 A | 19,266 | 0 | 0 | $0 |
| Jonathan F Rouis | Director | Oct. 1, 2026 A | 9,166 | 0 | 0 | $0 |
| Richard B Rowley | Director | Oct. 1, 2026 A | 537,134 | 0 | 0 | $0 |
| Gregory F Holcombe | Director | Oct. 1, 2026 A | 68,824 | 0 | 0 | $0 |
| William D Morrison | Director | Sept. 15, 2026 A | 102,510 | 0 | 0 | $0 |
| Gustave J Scacco | Director | Sept. 23, 2024 F | 2,780 | 0 | 0 | $0 |
| Louis Heimbach | Director | April 1, 2024 A | 3,224 | 0 | 0 | $0 |
| Terry R Saturno | Director | Aug. 8, 2023 A | 5,190 | 0 | 0 | $0 |
| Susan G Metzger | Director | Nov. 15, 2022 A | 7,098 | 0 | 0 | $0 |
| Virginia K Rizzo | Director | Aug. 5, 2021 P | 5,100 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 22 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 | 0.12% | 43,626 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.07% | 207 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,538 SH | Oct. 2, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 7,574 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 332,905 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 6,059 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 73,040 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,167 SH | Aug. 19, 2026 | Daily |
| IWO · iShares Trust | 0.01% | 37,407 SH | Sept. 11, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 39,674 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 436 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 8,523 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 918 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,324 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 2,673 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,611 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 214 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 4,262 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 122,703 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 337,803 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 984 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 78,316 SH | Sept. 11, 2026 | Daily |
OBT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 6 analysts
BUY
Median target
$44.00
+16.6%
2 33.3%
Strong Buy
3 50.0%
Buy
1 16.7%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-10-02Mean target $43.33 +14.9%
← Below all targets
Current price $37.73
Low$42.00
Mean$43.33
High$44.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| 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% | · |
| PBAM | · | · | · | · | · | · |
| COFS | $443M | 14.7 | 63.6% | 12.4% | 6.3% | · |
| PDLB | $395M | 13.6 | 30.5% | 26.3% | 5.4% | · |
| FMAO | $340M | 10.2 | 19.6% | 27.4% | 9.2% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 10, 2026