Orange County Bancorp
Commercial banking and wealth management for Hudson Valley and New York metro clients.
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Profile
Runs a relationship-based bank and wealth-management platform centered on Orange Bank & Trust. The business gathers deposits, makes commercial and consumer loans, and earns trust and investment-advisory fees across the Hudson Valley and New York metro area.
Operates through two segments: Banking and Wealth Management. Banking is anchored by Orange Bank & Trust, which gathers deposits, makes commercial real estate, construction, commercial and industrial, residential, home equity, and consumer loans, and supports clients with cash management, escrow, merchant, ATM, telephone, and internet banking services.
Serves a concentrated New York footprint across Orange, Westchester, Rockland, and Bronx Counties, with nearby Connecticut and New Jersey markets in the broader service area. Wealth Management adds trust administration, Special Needs Trust and Guardianship services, investment management, and advisory work through the bank and Orange Investment Advisors.
Competes on relationship banking, local credit decisions, and senior-management access. The business depends on regulated banking operations, local deposit relationships, commercial real estate credit quality, and competition from banks, credit unions, non-bank financial firms, and technology-enabled providers.
Company facts
Categories
Key statistics
Year to date +33.9% · Average volume (30d) 53.8K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Feb 5, 2026 | Piper Sandler | Reiterate | Overweight | $31 | $36 |
| Dec 10, 2025 | Piper Sandler | Reiterate | Overweight | $31 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q2 FY26 | $0.80 | $1.02 | +27.5% | $33.0M | $27.8M | −15.7% | −2.07% |
| Jul 28, 2026Q2 FY26 | $0.81 | $1.02 | +25.9% | $33.0M | $34.6M | +4.7% | −0.80% |
| Apr 28, 2026Q1 FY26 | $0.78 | $0.85 | +9.0% | $32.3M | $32.1M | −0.7% | −6.15% |
| Feb 4, 2026Q4 FY25 | $0.75 | $0.93 | +24.0% | $31.4M | $33.0M | +5.2% | +4.64% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $36.2M | $40.5M | $41.3M | $40.0M | $34.4M | $35.0M | |
| Gross profit | $27.8M | $30.3M | $29.8M | $31.5M | $27.9M | $29.8M | |
| Operating income | $11.3M | $13.6M | $13.0M | $13.7M | $10.4M | $14.2M | |
| Net income | $8.7M | $10.5M | $10.0M | $12.4M | $11.3M | $13.7M | |
| Diluted EPS | $0.77 | $0.87 | $0.75 | $0.93 | $0.85 | $1.02 | |
| Gross margin | 76.6% | 74.8% | 72.3% | 78.7% | 81.1% | 85.4% | |
| Operating margin | 31.1% | 33.5% | 31.5% | 34.1% | 30.3% | 40.5% |
Fiscal years (4-quarter sums)FY21 $76.0M · FY22 $96.0M · FY23 $131.1M · FY24 $145.0M · FY25 $158.1M
Balance sheet, Jun 30, 2026Cash & short-term investments $730.8M · Total debt $34.6M · Total assets $2.80B · Shareholders' equity $306.6M
Dividends
Raised for 7 straight years — most recently to $0.18 from $0.13 in Dec 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 4, 2026 | Jun 4 | Jun 15 | $0.18 | |
| Mar 4, 2026 | Mar 4 | Mar 16 | $0.18 | |
| Dec 4, 2025 | Dec 4 | Dec 16 | $0.18 | raised from $0.13 |
| Sep 8, 2025 | Sep 8 | Sep 16 | $0.13 | |
| Jun 4, 2025 | Jun 4 | Jun 16 | $0.13 | |
| Mar 4, 2025 | Mar 4 | Mar 17 | $0.13 | raised from $0.125 split-adjusted |
| Dec 4, 2024 | Dec 4 | Dec 16 | $0.25 | raised from $0.23 |
| Sep 4, 2024 | Sep 4 | Sep 16 | $0.23 |
Ownership
Shares outstanding 13.41M · Float 10.71M · 79.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.96M | 14.62% | 13F | Aug 7, 2026 |
| Hudson Valley Investment Advisors Inc /Adv | 1.06M | 7.91% | 13F | Jul 21, 2026 |
| Richard B. Rowley · director | 537.1K | 4.01% | Form 4 | Feb 23, 2026 |
| Vanguard Capital Management LLC | 471.0K | 3.51% | 13F | Aug 13, 2026 |
| American Century Companies Inc | 311.7K | 2.33% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 4, 2026 | Stephen Rooney | officer: SVP, Chief Credit Officer | −1,500 | $38.71 |
| Aug 3, 2026 | Gregory Sousa | officer: EVP and Deputy CLO | −1,882 | $38.75 |
| Jul 30, 2026 | Gregory Sousa | officer: EVP and Deputy CLO | −1,165 | $38.75 |
| Mar 19, 2026 | Michael J. Gilfeather | director, officer: President and CEO | +200 | $31.25 |
| Dec 11, 2025 | David P. Dineen | officer: SVP, Dir. Wealth Services | −1,000 | $28.81 |
Peers
- Tompkins Financial
Hudson Valley community-bank and wealth-management peer
- NorthEast Community Bancorp
White Plains community bank with Orange/Rockland branch overlap
- Dime Commercial Bancshares
New York metro commercial-bank peer in deposits and CRE
- Rhinebeck Bancorp
Hudson Valley banking peer with Orange County branch overlap
- Peapack-Gladstone Financial
Private-bank and wealth-management rival in the NY/NJ market
- Valley National Bancorp
Scaled NY/NJ regional bank with commercial and wealth overlap
- ConnectOne Bancorp
NJ/NY metro commercial bank for small and mid-sized businesses
- Provident Financial Services
Super-community bank with Orange County and wealth overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Orange County Bancorp | $38.10 | +0.29% | $510.8M | 10.7 | 11.0 | 3.4 | −14.2% |
| Tompkins Financial | $97.80 | −0.07% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| NorthEast Community Bancorp | $26.43 | +0.04% | $365.1M | 8.5 | 8.3 | 2.4 | +3.1% |
| Dime Commercial Bancshares | $40.47 | −0.02% | $1.79B | 14.6 | 10.7 | 2.4 | +17.1% |
| Rhinebeck Bancorp | $12.60 | −0.08% | $197.0M | 14.0 | — | 3.3 | −81.4% |
| Peapack-Gladstone Financial | $45.11 | −0.09% | $799.3M | 15.7 | 10.9 | 1.7 | +25.4% |
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| ConnectOne Bancorp | $31.73 | 0.00% | $1.60B | 9.9 | 9.1 | 2.6 | +46.0% |
| Provident Financial Services | $23.71 | +0.91% | $3.06B | 9.8 | 9.4 | 2.2 | +9.7% |
| Median | 10.7 | 9.8 | 2.5 | +11.5% |