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Upturn AI SWOT - About
Orange County Bancorp Inc (OBT)
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Upturn Advisory Summary
04/01/2025: OBT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 24.34% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 267.49M USD | Price to earnings Ratio 9.55 | 1Y Target Price 31.25 |
Price to earnings Ratio 9.55 | 1Y Target Price 31.25 | ||
Volume (30-day avg) 15496 | Beta 0.5 | 52 Weeks Range 20.43 - 32.60 | Updated Date 04/1/2025 |
52 Weeks Range 20.43 - 32.60 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.21% | Basic EPS (TTM) 2.45 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.88% | Operating Margin (TTM) 34.16% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 15.89% |
Valuation
Trailing PE 9.55 | Forward PE - | Enterprise Value 262129440 | Price to Sales(TTM) 2.67 |
Enterprise Value 262129440 | Price to Sales(TTM) 2.67 | ||
Enterprise Value to Revenue 3.8 | Enterprise Value to EBITDA - | Shares Outstanding 11358600 | Shares Floating 8378097 |
Shares Outstanding 11358600 | Shares Floating 8378097 | ||
Percent Insiders 19.55 | Percent Institutions 45.55 |
Analyst Ratings
Rating 4.5 | Target Price 68 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Orange County Bancorp Inc
Company Overview
History and Background
Orange County Bancorp, Inc. (formerly Orange County Trust Company) was founded in 1892 in Middletown, New York. It has grown from a local trust company to a community bank offering a range of financial services in the Hudson Valley region.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of all sizes.
- Retail Banking: Offers checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Provides trust and investment management services to individuals and families.
Leadership and Structure
The leadership team includes President and CEO Michael Gilfeather. The organizational structure is typical of a community bank, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a key offering. No specific market share data available. Competitors include other regional and national banks.
- Residential Mortgages: Residential mortgages are offered to individuals. No specific market share data available. Competitors include mortgage brokers and larger banks.
- Business Loans: Business loans are offered to small to mid-sized business. No specific market share data available. Competitors include other regional and national banks and credit unions.
Market Dynamics
Industry Overview
The community banking industry is competitive, with many players vying for market share. The industry is also subject to regulatory changes and economic fluctuations.
Positioning
Orange County Bancorp is positioned as a community bank focused on serving the needs of businesses and individuals in the Hudson Valley region. It differentiates itself through local expertise and personalized service.
Total Addressable Market (TAM)
The TAM is the total banking market in the Hudson Valley region, estimated to be in the billions of dollars. Orange County Bancorp has a small but growing share of this market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- High customer satisfaction
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased demand for commercial loans
- Growing wealth management business
- Technological innovation in banking
Threats
- Economic downturn
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- USB
- MTB
Competitive Landscape
Orange County Bancorp faces intense competition from larger national and regional banks, as well as smaller community banks and credit unions. Its advantages include local expertise and personalized service, while its disadvantages include limited geographic reach and smaller size.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to 10K and 10Q. Example: The bank has experienced steady growth over the past decade.
Future Projections: Future projections require access to analyst estimates. Example: Analysts predict continued growth in the coming years.
Recent Initiatives: Recent initiatives may include new branch openings, technology investments, or acquisitions.
Summary
Orange County Bancorp is a small community bank with a strong local presence. It faces competition from larger players but benefits from its personalized service. Growth opportunities exist through expansion and technology adoption, but economic downturns and regulatory changes pose threats. The bank appears to be stable but needs to focus on increasing its market share.
Similar Companies
- MTB
- WSFS
- UCBI
- PBCT
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated. Refer to SEC filings for accurate financial information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Orange County Bancorp Inc
Exchange NASDAQ | Headquaters Middletown, NY, United States | ||
IPO Launch date 2007-10-04 | President, CEO & Director Mr. Michael J. Gilfeather | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 225 | Website https://www.orangebanktrust.com |
Full time employees 225 | Website https://www.orangebanktrust.com | ||
Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operates full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
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