Orange County BancorpOBT +0.33%75 Pretax Margin % is 45.52% as of Mar. 2026, which is 53% above its 10-year median of 29.84. 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 1,526 Banks companies, Orange County Bancorp ranks better than 67.5% on this metric.
The historical rank and industry rank for Orange County Bancorp's Pretax Margin % or its related term are showing as below:
OBT'
s Pretax Margin % Range Over the Past 10 Years
Min: 12.68 Med: 29.84 Max: 41.81
Current: 41.81
OBT's Pretax Margin % is ranked better than 67.5% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs OBT: 41.81
Orange County Bancorp (NAS:OBT) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Orange County Bancorp Pretax Margin % Related Terms
Orange County Bancorp Pretax Margin % Historical Data
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The historical data trend for Orange County Bancorp's Pretax 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.
OBT vs PDLB, GCBC, COFS: Pretax Margin % Comparison
For the Banks - Regional subindustry, Orange County Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Orange County Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Orange County Bancorp's Pretax 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 Pretax Margin % of 45.52% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Orange County Bancorp and its competitors. This is 53% above median its historical median of 29.84. Over the past decade, Orange County Bancorp's Pretax Margin % has ranged from 12.68 to 41.81. According to the industry distribution chart, Orange County Bancorp ranks #496 out of 1526 companies in the Banks industry, placing it in the top 32.5%.
Is Orange County Bancorp's Pretax Margin % too high?
Orange County Bancorp's current Pretax Margin % of 45.52% is 53% above median its 10-year median of 29.84. Over the past 10 years, this metric has ranged from a low of 12.68 to a high of 41.81. The Banks industry median Pretax Margin % is 34.89. Orange County Bancorp's value of 45.52% is 30.5% above this industry median. Based on the distribution chart, Orange County Bancorp ranks #496 out of 1526 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 Pretax Margin % compare to PDLB and GCBC?
According to the Banks industry distribution chart, Orange County Bancorp ranks #496 out of 1526 companies for Pretax Margin %. This puts Orange County Bancorp in the upper half of its industry. The industry median Pretax Margin % is 34.89. Orange County Bancorp's value of 45.52% is 30.5% above this benchmark. Historically, Orange County Bancorp's own Pretax Margin % has ranged from 12.68 to 41.81 over the past decade. While the company's 10-year median is 29.84 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orange County Bancorp's current Pretax Margin % of 45.52% is 30.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Orange County Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orange County Bancorp's current Pretax Margin % is 45.52%, which is 53% above median its own 10-year median of 29.84. 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 $36.75 — trading 33.9% above its estimated fair value. The current Pretax Margin % is 45.52%, which is 53% above median its 10-year median of 29.84 and 30.5% above the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current Pretax Margin % is 45.52% 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 $36.75 is trading 33.9% above its estimated GF Value™ of $27.44.
GuruFocus considers Orange County Bancorp to be Significantly Overvalued.
Key valuation signals for OBT:
Pretax Margin %: 45.52% (53% above median its 10-year median of 29.84)
GF Value™: $27.44 vs. price of $36.75 (33.9% above fair value)
Industry Position: 30.5% above the Banks median (#496 of 1526)
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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