OBT (Orange County Bancorp) Moat Score: 3/10 (As of Jun. 28, 2026)


OBT Orange County Bancorp Inc OBT
75 GF Score
Price $36.93
GF Value $27.44
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Orange County Bancorp Moat Score?

Orange County Bancorp OBT +0.16% 75 Moat Score is 3 as of Jun. 28, 2026. 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 1,614 Banks companies, Orange County Bancorp ranks better than 74.54% on this metric.

Orange County Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Orange County Bancorp has No Moat: Orange County Bancorp Inc operates in a competitive banking sector with limited differentiation. It lacks significant customer switching costs, brand strength, or regulatory advantages, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Orange County Bancorp might have No Moat - Very weak/transient advantages.

Orange County Bancorp  (NAS:OBT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Orange County Bancorp Moat Score Related Terms

OBT vs PDLB, GCBC, COFS: Moat Score Comparison

For the Banks - Regional subindustry, Orange County Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Orange County Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Orange County Bancorp's Moat Score falls into.


OBT
75GF Score
Orange County Bancorp Inc OBT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Orange County Bancorp (OBT) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Orange County Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Orange County Bancorp's Moat Score too high?
Orange County Bancorp's current Moat Score is 3. Based on the distribution chart, Orange County Bancorp ranks #411 out of 1614 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 Moat Score compare to PDLB and GCBC?
According to the Banks industry distribution chart, Orange County Bancorp ranks #411 out of 1614 companies for Moat Score. This puts Orange County Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Orange County Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current Moat Score is 3 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:

  • Moat Score: 3
  • GF Value™: $27.44 vs. price of $36.93 (34.6% above fair value)
  • GF Score™: 75/100 with 6 warning signs

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 Business Description

Address 212 Dolson Avenue, Middletown, NY, USA, 10940
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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$36.93
Price
$27.44
GF Value