OBT
Orange County BancorpBNasdaq / Banks
Last Price
At close
2026-06-03
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
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +0.3.
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
65
Value
61
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.00 · Bull $39.00 · Bear $30.00
Data freshness
Prices
As of 2026-06-03
Fundamentals
As of 2026-06-02 • Vendor: Data Vendor v1
Scores
As of 2026-06-03 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-04 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-06-03
Investment thesis
As of 2026-06-03
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $38.00
Why
Momentum65 · Δ7d +0.3
Value61 · Δ7d -0.0
Sentiment55 · Δ7d +7.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
65
34% active weight
Current posture
7d trendImproving
Δ7d
+0.3
Δ21d
-16.9
Value
61
32% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
55
33% active weight
Current posture
7d trendImproving
Δ7d
+7.2
Δ21d
+20.6
Why this grade
Composite grade B. Momentum 64.8 / Value 60.5 / Sentiment 54.7
Fundamentals (TTM)As of 2026-06-02
Fundamentals (TTM)
As of 2026-06-02
Market Cap
$460.7M
Beta
0.44
Shares Out
13.37M
P/E (TTM)
9.6
P/S (TTM)
3.19
P/FCF (TTM)
11.44
Rev YoY
+9.8%
EPS YoY
+164.1%
Gross Margin
-
Op Margin
+38.6%
Net Debt
-$130.74M
Current Ratio
-
As of 2026-06-03 • Updated nightlySource: Internal modelMethodology