Orange County BancorpOBT +0.55%75 FCF Yield % is 9.45 as of Jun. 25, 2026, which is 12% below its 10-year median of 10.78. 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 56.12% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Orange County Bancorp FCF Yield % Related Terms
Orange County Bancorp FCF Yield % Historical Data
* Premium members only.
The historical data trend for Orange County Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Orange County Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Orange County Bancorp's FCF Yield % 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 Yield % of 9.45 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Orange County Bancorp and its competitors. This is 12% below median its historical median of 10.78. Over the past decade, Orange County Bancorp's FCF Yield % has ranged from 1.34 to 18.26. According to the industry distribution chart, Orange County Bancorp ranks #660 out of 1504 companies in the Banks industry, placing it in the top 43.9%.
Is Orange County Bancorp's FCF Yield % too high?
Orange County Bancorp's current FCF Yield % of 9.45 is 12% below median its 10-year median of 10.78. Over the past 10 years, this metric has ranged from a low of 1.34 to a high of 18.26. The Banks industry median FCF Yield % is 8.24. Orange County Bancorp's value of 9.45 is 14.7% above this industry median. Based on the distribution chart, Orange County Bancorp ranks #660 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 Yield % compare to PDLB and GCBC?
According to the Banks industry distribution chart, Orange County Bancorp ranks #660 out of 1504 companies for FCF Yield %. This puts Orange County Bancorp in the upper half of its industry. The industry median FCF Yield % is 8.24. Orange County Bancorp's value of 9.45 is 14.7% above this benchmark. Historically, Orange County Bancorp's own FCF Yield % has ranged from 1.34 to 18.26 over the past decade. While the company's 10-year median is 10.78 vs. the industry median of 8.24, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orange County Bancorp's current FCF Yield % of 9.45 is 14.7% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Orange County Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orange County Bancorp's current FCF Yield % is 9.45, which is 12% below median its own 10-year median of 10.78. 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 $36.83 — trading 34.2% above its estimated fair value. The current FCF Yield % is 9.45, which is 12% below median its 10-year median of 10.78 and 14.7% above the Banks industry median of 8.24. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current FCF Yield % is 9.45 as of Jun. 25, 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 $36.83 is trading 34.2% above its estimated GF Value™ of $27.44.
GuruFocus considers Orange County Bancorp to be Significantly Overvalued.
Key valuation signals for OBT:
FCF Yield %: 9.45 (12% below median its 10-year median of 10.78)
GF Value™: $27.44 vs. price of $36.83 (34.2% above fair value)
Industry Position: 14.7% above the Banks median (#660 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
Get the complete analysis for OBT
FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OBT has been successfully added to your 
