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Orange County BancorpOBT +1.64%69 Equity-to-Asset is 0.11 as of Jun. 2026, which is 38% above its 10-year median of 0.08. GuruFocus rates OBT with a GF Score™ of 69/100 and a GF Value™ of $26.87 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,523 Banks companies, Orange County Bancorp ranks better than 63.76% on this metric.
Orange County Bancorp (NAS:OBT) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Orange County Bancorp Equity-to-Asset Related Terms
Orange County Bancorp Equity-to-Asset Historical Data
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The historical data trend for Orange County Bancorp's Equity-to-Asset can be seen below:
* 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.
OBT vs BWFG, PDLB, COFS: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Orange County Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Orange County Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Orange County Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Orange County Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Orange County Bancorp and its competitors. This is 38% above median its historical median of 0.08. Over the past decade, Orange County Bancorp's Equity-to-Asset has ranged from 0.06 to 0.11. According to the industry distribution chart, Orange County Bancorp ranks #552 out of 1523 companies in the Banks industry, placing it in the top 36.2%.
Is Orange County Bancorp's Equity-to-Asset too high?
Orange County Bancorp's current Equity-to-Asset of 0.11 is 38% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Orange County Bancorp's value of 0.11 is 10% above this industry median. Based on the distribution chart, Orange County Bancorp ranks #552 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Orange County Bancorp has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Orange County Bancorp's Equity-to-Asset compare to BWFG and PDLB?
According to the Banks industry distribution chart, Orange County Bancorp ranks #552 out of 1523 companies for Equity-to-Asset. This puts Orange County Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Orange County Bancorp's value of 0.11 is 10% above this benchmark. Historically, Orange County Bancorp's own Equity-to-Asset has ranged from 0.06 to 0.11 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orange County Bancorp's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Orange County Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orange County Bancorp's current Equity-to-Asset is 0.11, which is 38% above median its own 10-year median of 0.08. 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 $26.87, compared to a current price of $39.57 — trading 47.3% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 38% above median its 10-year median of 0.08 and 10% above the Banks industry median of 0.10. Orange County Bancorp's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current Equity-to-Asset is 0.11 as of Jun. 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 $39.57 is trading 47.3% above its estimated GF Value™ of $26.87.
GuruFocus considers Orange County Bancorp to be Significantly Overvalued.
Key valuation signals for OBT:
Equity-to-Asset: 0.11 (38% above median its 10-year median of 0.08)
GF Value™: $26.87 vs. price of $39.57 (47.3% above fair value)
Industry Position: 10% above the Banks median (#552 of 1523)
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.
69GF Score
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