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Orange County Bancorp (NAS:OBT) Net Cash per Share Explanation
Ben Graham invested in situations where the company's stock price was lower than its net-cash. He assigned some value to the company's other current asset. The value is called Net Current Asset Value (NCAV). One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
You can find companies that are traded below their Net Current Asset Value (NCAV) with our Net-Net screener.
Orange County Bancorp Net Cash per Share Related Terms
Orange County Bancorp Net Cash per Share Historical Data
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The historical data trend for Orange County Bancorp's Net Cash per Share 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 PBAM, BSRR, COFS: Net Cash per Share Comparison
For the Banks - Regional subindustry, Orange County Bancorp's Price-to-Net-Cash, along with its competitors' market caps and Price-to-Net-Cash 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 Price-to-Net-Cash vs Banks Industry
For the Banks industry and Financial Services sector, Orange County Bancorp's Price-to-Net-Cash distribution charts can be found below:
* The bar in red indicates where Orange County Bancorp's Price-to-Net-Cash falls into.
Orange County Bancorp Net Cash per Share Calculation
In the calculation of a company's Net Cash per Share, assets other than cash and short term investments are considered to be worth nothing. But the company has to pay its debt and other liabilities in full. This is an extremely conservative way of valuation. Most companies have negative Net Cash per Share. But sometimes a company's price may be lower than its net-cash.
Orange County Bancorp's Net Cash per Share 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 Net Cash per Share of $-131.48 as of Jun. 2026. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on Orange County Bancorp and its competitors. According to the industry distribution chart, Orange County Bancorp ranks #999999 out of 8 companies in the Banks industry.
Is Orange County Bancorp's Net Cash per Share too high?
Orange County Bancorp's current Net Cash per Share is $-131.48. Based on the distribution chart, Orange County Bancorp ranks #999999 out of 8 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Cash per Share compare to PBAM and BSRR?
According to the Banks industry distribution chart, Orange County Bancorp ranks #999999 out of 8 companies for Net Cash per Share. This places Orange County Bancorp in the lower half of its industry. The industry median Net Cash per Share is 3.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Cash per Share for a Banks company?
The median Net Cash per Share among Banks companies is 3.02, based on 8 companies in the industry. Companies in the top quartile (top 25%) have a Net Cash per Share significantly above this median, while those in the bottom quartile fall well below. However, Net Cash per Share 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 Net Cash per Share mean?
A high Net Cash per Share can signal that a stock is expensive relative to its fundamentals. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on Orange County Bancorp and its competitors. For the Banks industry, the median Net Cash per Share is 3.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orange County Bancorp's current Net Cash per Share is $-131.48. 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 $27.03, compared to a current price of $38.72 — trading 43.2% above its estimated fair value. The current Net Cash per Share is $-131.48. Orange County Bancorp's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Cash per Share calculated?
Net Cash per Share is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current Net Cash per Share is $-131.48 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 $38.72 is trading 43.2% above its estimated GF Value™ of $27.03.
GuruFocus considers Orange County Bancorp to be Significantly Overvalued.
Key valuation signals for OBT:
Net Cash per Share: $-131.48
GF Value™: $27.03 vs. price of $38.72 (43.2% above fair value)
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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