Orange County Bancorp, Inc. /DE/ (OBT) intrinsic value & 10-year financials
Orange County Bancorp, Inc. /DE/ (OBT) has a Graham intrinsic value of $110.61 per share. At $37.19 on Oct 17, 2026, the stock trades 66% below that value. Over the last 7 fiscal years revenue grew 28.1% a year to $1.4M, with an average return on invested capital of 15.1%.
- Graham intrinsic value
- $110.61
- Share price (Oct 17, 2026)
- $37.19
- Price vs Graham value
- 66% below
- Market cap
- $465.2M
- Revenue (FY2025)
- $1.4M
- Revenue growth (7-yr CAGR)
- 28.1%
- ROIC (10-yr avg)
- 15.1%
- Free cash flow (FY2025)
- $41.3M
OBT 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $1.4M | $41.6M | $3.33 | $41.3M | — | 17.7% |
| FY2024 | $784.0K | $27.9M | $2.47 | $32.9M | — | 15.9% |
| FY2023 | $198.0K | $29.5M | $2.62 | $41.0M | — | 19.4% |
| FY2022 | $139.0K | $24.4M | $2.17 | $28.9M | — | 15.2% |
| FY2021 | $225.0K | $21.3M | $2.14 | $18.4M | — | 13.4% |
| FY2020 | $399.0K | $11.7M | $1.29 | $10.7M | — | 9.1% |
| FY2019 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Orange County Bancorp, Inc. /DE/ revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Orange County Bancorp, Inc. /DE/ has earned high returns on invested capital, averaging 15.1% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
Orange County Bancorp, Inc. /DE/ capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Orange County Bancorp, Inc. /DE/ is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $110.61 per share.