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Orange County BancorpOBT +0.23%72 EV-to-OCF is 4.49 as of Aug. 05, 2026, which is 18% below its 10-year median of 5.46. GuruFocus rates OBT with a GF Score™ of 72/100 and a GF Value™ of $27.34 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,499 Banks companies, Orange County Bancorp ranks worse than 51.97% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Orange County Bancorp's Enterprise Value is $221.1 Mil.
Orange County Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $49.2 Mil. Therefore, Orange County Bancorp's EV-to-OCF for today is 4.49.
The historical rank and industry rank for Orange County Bancorp's EV-to-OCF or its related term are showing as below:
OBT'
s EV-to-OCF Range Over the Past 10 Years
Min: -38.18 Med: 5.46 Max: 12.04
Current: 4.49
During the past 11 years, the highest EV-to-OCF of Orange County Bancorp was 12.04. The lowest was -38.18. And the median was 5.46.
OBT's EV-to-OCF is ranked worse than 51.97% of 1499
companies
in the Banks industry
Industry Median: 4
vs OBT: 4.49
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Orange County Bancorp (NAS:OBT) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Orange County Bancorp's PE Ratio (TTM) for today is calculated as:
Orange County Bancorp's share price for today is $38.90.
Orange County Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.550.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Orange County Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Orange County Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Orange County Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Orange County Bancorp's EV-to-OCF falls into.
Orange County Bancorp's current Enterprise Value is $221.1 Mil.
Orange County Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $49.2 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Orange County Bancorp (OBT) has a EV-to-OCF of 4.49 as of Aug. 05, 2026. This is 18% below median its historical median of 5.46. According to the industry distribution chart, Orange County Bancorp ranks #779 out of 1499 companies in the Banks industry, placing it in the top 52%.
Is Orange County Bancorp's EV-to-OCF too high?
Orange County Bancorp's current EV-to-OCF of 4.49 is 18% below median its 10-year median of 5.46. The Banks industry median EV-to-OCF is 4.00. Orange County Bancorp's value of 4.49 is 12.3% above this industry median. Based on the distribution chart, Orange County Bancorp ranks #779 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, Orange County Bancorp has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Orange County Bancorp's EV-to-OCF compare to BWFG and PDLB?
According to the Banks industry distribution chart, Orange County Bancorp ranks #779 out of 1499 companies for EV-to-OCF. This places Orange County Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.00. Orange County Bancorp's value of 4.49 is 12.3% above this benchmark. While the company's 10-year median is 5.46 vs. the industry median of 4.00, Orange County Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orange County Bancorp's current EV-to-OCF of 4.49 is 12.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orange County Bancorp's current EV-to-OCF is 4.49, which is 18% below median its own 10-year median of 5.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orange County Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Orange County Bancorp (OBT) is currently considered Significantly Overvalued. The stock's GF Value™ is $27.34, compared to a current price of $38.90 — trading 42.3% above its estimated fair value. The current EV-to-OCF is 4.49, which is 18% below median its 10-year median of 5.46 and 12.3% above the Banks industry median of 4.00. Orange County Bancorp's overall GF Score™ is 72/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current EV-to-OCF is 4.49 as of Aug. 05, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Orange County Bancorp (OBT) Overvalued in 2026?
Based on GuruFocus' analysis, Orange County Bancorp stock appears to be overvalued.
The current stock price of $38.90 is trading 42.3% above its estimated GF Value™ of $27.34.
GuruFocus considers Orange County Bancorp to be Significantly Overvalued.
Key valuation signals for OBT:
EV-to-OCF: 4.49 (18% below median its 10-year median of 5.46)
GF Value™: $27.34 vs. price of $38.90 (42.3% above fair value)
Industry Position: 12.3% above the Banks median (#779 of 1499)
No single metric tells the full story. See the OBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orange County Bancorp Inc is a community bank holding company providing commercial and consumer banking services to individuals, small businesses, and local governments. It operates through two segments: Banking and Wealth Management. The Banking segment, the primary revenue driver, offers loans such as commercial real estate, construction, commercial & industrial, multifamily, and residential mortgages, along with services like cash management, escrow, deposits, ATMs, and digital banking. The Wealth Management segment provides investment management, trust services (trustee, administrator, custodian), and financial planning and advisory services to individuals and institutions.
72GF Score
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