Orange County BancorpOBT -0.10%75 FCF Margin % is 30.16% as of Mar. 2026, which is 17% above its 10-year median of 25.68. 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 1,504 Banks companies, Orange County Bancorp ranks better than 64.36% on this metric.
The historical rank and industry rank for Orange County Bancorp's FCF Margin % or its related term are showing as below:
OBT'
s FCF Margin % Range Over the Past 10 Years
Min: 17.36 Med: 25.68 Max: 40.28
Current: 35.56
During the past 11 years, the highest FCF Margin % of Orange County Bancorp was 40.28%. The lowest was 17.36%. And the median was 25.68%.
OBT's FCF Margin % is ranked better than 64.36% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs OBT: 35.56
Orange County Bancorp FCF Margin % Related Terms
Orange County Bancorp FCF Margin % Historical Data
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The historical data trend for Orange County Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Orange County Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Orange County Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Orange County Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 30.16% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Orange County Bancorp and its competitors. This is 17% above median its historical median of 25.68. Over the past decade, Orange County Bancorp's FCF Margin % has ranged from 17.36 to 40.28. According to the industry distribution chart, Orange County Bancorp ranks #536 out of 1504 companies in the Banks industry, placing it in the top 35.6%.
Is Orange County Bancorp's FCF Margin % too high?
Orange County Bancorp's current FCF Margin % of 30.16% is 17% above median its 10-year median of 25.68. Over the past 10 years, this metric has ranged from a low of 17.36 to a high of 40.28. The Banks industry median FCF Margin % is 26.50. Orange County Bancorp's value of 30.16% is 13.8% above this industry median. Based on the distribution chart, Orange County Bancorp ranks #536 out of 1504 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 FCF Margin % compare to PDLB and GCBC?
According to the Banks industry distribution chart, Orange County Bancorp ranks #536 out of 1504 companies for FCF Margin %. This puts Orange County Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. Orange County Bancorp's value of 30.16% is 13.8% above this benchmark. Historically, Orange County Bancorp's own FCF Margin % has ranged from 17.36 to 40.28 over the past decade. While the company's 10-year median is 25.68 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orange County Bancorp's current FCF Margin % of 30.16% is 13.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Orange County Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orange County Bancorp's current FCF Margin % is 30.16%, which is 17% above median its own 10-year median of 25.68. 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 $36.59 — trading 33.4% above its estimated fair value. The current FCF Margin % is 30.16%, which is 17% above median its 10-year median of 25.68 and 13.8% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current FCF Margin % is 30.16% as of Mar. 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 $36.59 is trading 33.4% above its estimated GF Value™ of $27.44.
GuruFocus considers Orange County Bancorp to be Significantly Overvalued.
Key valuation signals for OBT:
FCF Margin %: 30.16% (17% above median its 10-year median of 25.68)
GF Value™: $27.44 vs. price of $36.59 (33.4% above fair value)
Industry Position: 13.8% above the Banks median (#536 of 1504)
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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