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OBT

Orange County BancorpB
Nasdaq / Banks
Last Price
At close
2026-07-22
View Chart
Current thesis
The company-reported quarter was stronger than the prior-year period, with record first-quarter earnings, a 45 bp year-over-year NIM improvement to 4.40%, lower average deposit costs, brokered-deposit runoff, and capital ratios still above well-capitalized thresholds [#8-K-2026-04-28]. If those funding improvements persist, earnings power likely improved versus the prior baseline.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
AOCI worsened as unrealized losses on available-for-sale securities increased during the quarter, which matters if rates stay volatile [#8-K-2026-04-28].
Momentum
54
Value
61
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.00 · Bull $39.00 · Bear $30.00
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $39.50
Why
Momentum54 · Δ7d -13.0
Value61 · Δ7d -0.2
Sentiment49 · Δ7d -2.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
54
26% active weight
Current posture
7d trendImproving
Δ7d
-13.0
Δ21d
-14.2
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+0.2
Sentiment
49
34% active weight
Current posture
7d trendSoftening
Δ7d
-2.3
Δ21d
-3.9
Why this grade

Composite grade B. Momentum 53.9 / Value 61.0 / Sentiment 49.1

Fundamentals (TTM)
As of 2026-07-22
Market Cap
$498.64M
Beta
0.44
Shares Out
13.41M
P/E (TTM)
9.6
P/S (TTM)
3.19
P/FCF (TTM)
11.44
Rev YoY
+6.4%
EPS YoY
+10.0%
Gross Margin
-
Op Margin
+38.6%
Net Debt
-$165.33M
Current Ratio
0.18
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology