OBT (Orange County Bancorp) ROE % Adjusted to Book Value: 10.66% (As of Mar. 2026)


OBT Orange County Bancorp Inc OBT
75 GF Score
Price $36.95
GF Value $27.44
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Orange County Bancorp ROE % Adjusted to Book Value?

Orange County Bancorp OBT +0.16% 75 ROE % Adjusted to Book Value is 10.66% as of Mar. 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.

Orange County Bancorp's ROE % for the quarter that ended in Mar. 2026 was 15.67%. Orange County Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 1.47. Orange County Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 10.66%.


Orange County Bancorp ROE % Adjusted to Book Value Related Terms


Orange County Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for Orange County Bancorp's ROE % Adjusted to Book Value 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.

Orange County Bancorp ROE % Adjusted to Book Value Chart

Orange County Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.79 7.99 9.43 9.35 13.22

Orange County Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.64 13.46 12.26 13.38 10.66

OBT vs PDLB, GCBC, COFS: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Orange County Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Orange County Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Orange County Bancorp's ROE % Adjusted to Book Value falls into.


OBT
75GF Score
Orange County Bancorp Inc OBT
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Orange County Bancorp ROE % Adjusted to Book Value Calculation

Orange County Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.71% / 1.34
=13.22%

Orange County Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.67% / 1.47
=10.66%

* 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.

What does a ROE % Adjusted to Book Value of 10.66% mean?
Orange County Bancorp (OBT) has a ROE % Adjusted to Book Value of 10.66% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Orange County Bancorp and its competitors.
Is Orange County Bancorp's ROE % Adjusted to Book Value too high?
Orange County Bancorp's current ROE % Adjusted to Book Value is 10.66%. 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 ROE % Adjusted to Book Value compare to PDLB and GCBC?
Orange County Bancorp's ROE % Adjusted to Book Value of 10.66% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Orange County Bancorp and its competitors. Orange County Bancorp's current ROE % Adjusted to Book Value is 10.66%. 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 $36.95 — trading 34.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 10.66%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current ROE % Adjusted to Book Value is 10.66% 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 $36.95 is trading 34.7% above its estimated GF Value™ of $27.44. GuruFocus considers Orange County Bancorp to be Significantly Overvalued.

Key valuation signals for OBT:

  • ROE % Adjusted to Book Value: 10.66%
  • GF Value™: $27.44 vs. price of $36.95 (34.7% 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.95
Price
$27.44
GF Value