OBT (Orange County Bancorp) Scaled Net Operating Assets: -0.03 (As of Mar. 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 Scaled Net Operating Assets?

Orange County Bancorp OBT +0.16% 75 Scaled Net Operating Assets is -0.03 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Orange County Bancorp's operating assets for the quarter that ended in Mar. 2026 was $2,289.1 Mil. Orange County Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $2,379.4 Mil. Orange County Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $2,659.4 Mil. Therefore, Orange County Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.03.

OBT
75GF Score
Orange County Bancorp Inc OBT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Orange County Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Orange County Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2455.145-2340.458)/2509.927
=0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2659.377 - 204.232
=2455.145

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2375.013 - 34.555 - 0
=2340.458

Orange County Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2289.107-2379.377)/2659.377
=-0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2705.62 - 416.513
=2289.107

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2413.956 - 34.579 - 0
=2379.377

* 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 Scaled Net Operating Assets of -0.03 mean?
Orange County Bancorp (OBT) has a Scaled Net Operating Assets of -0.03 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Orange County Bancorp and its competitors.
Is Orange County Bancorp's Scaled Net Operating Assets too high?
Orange County Bancorp's current Scaled Net Operating Assets is -0.03. 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 Scaled Net Operating Assets compare to PDLB and GCBC?
Orange County Bancorp's Scaled Net Operating Assets of -0.03 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Orange County Bancorp and its competitors. Orange County Bancorp's current Scaled Net Operating Assets is -0.03. 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 Scaled Net Operating Assets is -0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Orange County Bancorp (OBT), the current Scaled Net Operating Assets is -0.03 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 $36.93 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:

  • Scaled Net Operating Assets: -0.03
  • 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