Orange County BancorpOBT +0.16%75 EV-to-FCF is 5.83 as of Jun. 28, 2026, which is 2% above its 10-year median of 5.73. GuruFocus rates OBT with a GF Score™ of 75/100 and a GF Value™ of $27.44 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, Orange County Bancorp ranks better than 52.93% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Orange County Bancorp's Enterprise Value is $272.2 Mil.
Orange County Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $46.7 Mil. Therefore, Orange County Bancorp's EV-to-FCF for today is 5.83.
The historical rank and industry rank for Orange County Bancorp's EV-to-FCF or its related term are showing as below:
OBT'
s EV-to-FCF Range Over the Past 10 Years
Min: -44.86 Med: 5.73 Max: 12.68
Current: 5.83
During the past 11 years, the highest EV-to-FCF of Orange County Bancorp was 12.68. The lowest was -44.86. And the median was 5.73.
OBT's EV-to-FCF is ranked better than 52.93% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs OBT: 5.83
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $36.93.
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 $3.400.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Orange County Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Orange County Bancorp's EV-to-FCF falls into.
Orange County Bancorp's current Enterprise Value is $272.2 Mil.
Orange County Bancorp's Free Cash Flow 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 $46.7 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-FCF of 5.83 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Orange County Bancorp and its competitors. This is near median its historical median of 5.73. According to the industry distribution chart, Orange County Bancorp ranks #563 out of 1196 companies in the Banks industry, placing it in the top 47.1%.
Is Orange County Bancorp's EV-to-FCF too high?
Orange County Bancorp's current EV-to-FCF of 5.83 is near median its 10-year median of 5.73. The Banks industry median EV-to-FCF is 6.56. Orange County Bancorp's value of 5.83 is 11.1% below this industry median. Based on the distribution chart, Orange County Bancorp ranks #563 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, Orange County Bancorp has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Orange County Bancorp's EV-to-FCF compare to PDLB and GCBC?
According to the Banks industry distribution chart, Orange County Bancorp ranks #563 out of 1196 companies for EV-to-FCF. This puts Orange County Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.56. Orange County Bancorp's value of 5.83 is 11.1% below this benchmark. While the company's 10-year median is 5.73 vs. the industry median of 6.56, Orange County Bancorp has consistently been below 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orange County Bancorp's current EV-to-FCF of 5.83 is 11.1% below 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Orange County Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orange County Bancorp's current EV-to-FCF is 5.83, which is near median its own 10-year median of 5.73. 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 $27.44, compared to a current price of $36.93 — trading 34.6% above its estimated fair value. The current EV-to-FCF is 5.83, which is near median its 10-year median of 5.73 and 11.1% below the Banks industry median of 6.56. Orange County Bancorp's overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current EV-to-FCF is 5.83 as of Jun. 28, 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 $36.93 is trading 34.6% above its estimated GF Value™ of $27.44.
GuruFocus considers Orange County Bancorp to be Significantly Overvalued.
Key valuation signals for OBT:
EV-to-FCF: 5.83 (near median its 10-year median of 5.73)
GF Value™: $27.44 vs. price of $36.93 (34.6% above fair value)
Industry Position: 11.1% below the Banks median (#563 of 1196)
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.
75GF Score
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