Orange County Bancorp, Inc.

Orange County Bancorp, Inc.

OBTยทNASDAQ

$33.42

-2.7%
Financial ServicesBanks - Regional

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. It accepts various deposit products, 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. The company operates 14 full-service branches and one 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.

At a Glance

Live Snapshot
Market Cap$448.09M
EPS3.3300
P/E Ratio10.04
Earnings Date08/05/2026
0.56%
Dividend Yield
-11%
3Y+7.0%
5Y-13.0%
10Y-68.0%
21.30%
Dividend Payout Ratio
10%
3Y-47.0%
5Y+20.0%
10Y-80.0%
3Y+86.0%
5Y+169.0%
10Y-
Orange County Bancorp, Inc.

Orange County Bancorp, Inc. Dividend History

OBT ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

OBT Dividend Payment History

OBT ยท NASDAQ

Total Payments

50

Latest Dividend

$0.1800

Annual Amount

$0.8000

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
May 21, 2026
Jun 4, 2026Jun 15, 2026
$0.1800
$0.1800
Quarterly0.00%
Feb 19, 2026
Mar 4, 2026Mar 16, 2026
$0.1800
$0.1800
Quarterly0.00%
Nov 20, 2025
Dec 4, 2025Dec 16, 2025
$0.1800
$0.1800
Quarterly+38.46%
Aug 21, 2025
Sep 8, 2025Sep 16, 2025
$0.1300
$0.1300
Quarterly0.00%
May 15, 2025
Jun 4, 2025Jun 16, 2025
$0.1300
$0.1300
Quarterly0.00%
Feb 21, 2025
Mar 4, 2025Mar 17, 2025
$0.1300
$0.1300
Quarterly+4.00%
Nov 22, 2024
Dec 4, 2024Dec 16, 2024
$0.2500
$0.1250
Quarterly+8.70%
Aug 15, 2024
Sep 4, 2024Sep 16, 2024
$0.2300
$0.1150
Quarterly0.00%
May 16, 2024
Jun 4, 2024Jun 14, 2024
$0.2300
$0.1150
Quarterly0.00%
Feb 15, 2024
Mar 4, 2024Mar 15, 2024
$0.2300
$0.1150
Quarterly0.00%
Nov 16, 2023
Dec 4, 2023Dec 15, 2023
$0.2300
$0.1150
Quarterly0.00%
Aug 17, 2023
Sep 4, 2023Sep 15, 2023
$0.2300
$0.1150
Quarterly0.00%
May 18, 2023
Jun 2, 2023Jun 14, 2023
$0.2300
$0.1150
Quarterly0.00%
Feb 17, 2023
Mar 3, 2023Mar 15, 2023
$0.2300
$0.1150
Quarterly0.00%
Nov 17, 2022
Dec 2, 2022Dec 15, 2022
$0.2300
$0.1150
Quarterly+15.00%
Aug 18, 2022
Sep 2, 2022Sep 15, 2022
$0.2000
$0.1000
Quarterly0.00%
May 20, 2022
Jun 2, 2022Jun 15, 2022
$0.2000
$0.1000
Quarterly0.00%
Feb 18, 2022
Mar 2, 2022Mar 15, 2022
$0.2000
$0.1000
Quarterly0.00%
Nov 19, 2021
Dec 3, 2021Dec 15, 2021
$0.2000
$0.1000
Quarterly0.00%
Aug 20, 2021
Sep 3, 2021Sep 15, 2021
$0.2000
$0.1000
Quarterly0.00%
May 21, 2021
Jun 3, 2021Jun 15, 2021
$0.2000
$0.1000
Quarterly0.00%
Feb 19, 2021
Mar 3, 2021Mar 15, 2021
$0.2000
$0.1000
Quarterly0.00%
Nov 20, 2020
Dec 2, 2020Dec 14, 2020
$0.2000
$0.1000
Quarterly0.00%
Aug 21, 2020
Sep 1, 2020Sep 14, 2020
$0.2000
$0.1000
Quarterly0.00%
May 15, 2020
Jun 2, 2020Jun 15, 2020
$0.2000
$0.1000
Quarterly0.00%
Feb 25, 2020
Mar 2, 2020Mar 13, 2020
$0.2000
$0.1000
Quarterly0.00%
Nov 18, 2019
Dec 4, 2019Dec 16, 2019
$0.2000
$0.1000
Quarterly0.00%
Aug 20, 2019
Sep 4, 2019Sep 16, 2019
$0.2000
$0.1000
Quarterly0.00%
May 20, 2019
Jun 4, 2019Jun 14, 2019
$0.2000
$0.1000
Quarterly0.00%
Feb 15, 2018
Mar 4, 2019Mar 15, 2019
$0.2000
$0.1000
Quarterly0.00%
Nov 16, 2018
Dec 5, 2018Dec 17, 2018
$0.2000
$0.1000
Quarterly0.00%
Aug 21, 2018
Sep 5, 2018Sep 17, 2018
$0.2000
$0.1000
Quarterly-4.76%
May 21, 2018
Jun 5, 2018Jun 15, 2018
$0.2000
$0.1050
Quarterly+5.00%
Feb 22, 2018
Mar 5, 2018Mar 16, 2018
$0.2000
$0.1000
Quarterly-1.96%
Nov 17, 2017
Dec 8, 2017Dec 19, 2017
$0.4100
$0.1020
Quarterly0.00%
Aug 18, 2017
Sep 8, 2017Sep 20, 2017
$0.4100
$0.1020
Quarterly0.00%
May 24, 2017
Jun 8, 2017Jun 20, 2017
$0.4100
$0.1020
Quarterly0.00%
Feb 17, 2017
Mar 9, 2017Mar 21, 2017
$0.4100
$0.1020
Quarterly0.00%
Nov 10, 2016
Dec 6, 2016Dec 20, 2016
$0.4100
$0.1020
Quarterly0.00%
Aug 26, 2016
Sep 9, 2016Sep 27, 2016
$0.4100
$0.1020
Quarterly0.00%
Jun 10, 2016
Jun 24, 2016Jul 8, 2016
$0.4100
$0.1020
Quarterly0.00%
Mar 25, 2016
Apr 4, 2016Apr 15, 2016
$0.4100
$0.1020
Quarterly0.00%
Nov 25, 2015
Dec 4, 2015Dec 15, 2015
$0.4100
$0.1020
Quarterly0.00%
Aug 14, 2015
Aug 25, 2015Sep 11, 2015
$0.4100
$0.1020
Quarterly0.00%
May 8, 2015
May 19, 2015Jun 11, 2015
$0.4100
$0.1020
Quarterly0.00%
N/A
Mar 24, 2015Apr 13, 2015
$0.4100
$0.1020
Quarterly0.00%
Nov 14, 2014
Nov 25, 2014Dec 11, 2014
$0.4100
$0.1020
Quarterly0.00%
Aug 8, 2014
Aug 19, 2014Sep 11, 2014
$0.4100
$0.1020
Quarterly0.00%
May 9, 2014
May 20, 2014Jun 11, 2014
$0.4100
$0.1020
Quarterly0.00%
Mar 14, 2014
Mar 25, 2014Apr 11, 2014
$0.4100
$0.1020
Quarterly-
obt

Orange County Bancorp, Inc. Payout Ratio Analysis

OBT ยท NASDAQ
Dividends Paid
-7.10M
2025
Net Income
41.61M
2025
Payout Ratio
17.06%
2025

Dividend Sustainability Analysis

Payout Ratio
17.06%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
17.2%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-33.3%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.