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Orange County Bancorp Inc. (OBT) — RQD Stock Rating Cockpit

$38.58 +1.26% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Orange County Bancorp Inc. (OBT) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $517.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OBT)Realized 20D OHLCV Swing Band: ±5.7%

RSI-14 MOMENTUMBULLISH MOMENTUM

60.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE88% OF RANGE

L: $25$38.58H: $40

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on OBT

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

14.6% ROIC with 42.0% gross margin and 7.99% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (70)

27/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like OBT

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (OBT Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

OBT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.14%▲ ASCENDING TRIANGLE

2026-10-30O $39.06H $39.40L $38.29C $38.58VOL 65.5K

RES: $39.86SUP: $35.93SMA50: $37.77SMA200: $35.46

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OBT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OBT Butterfly Map → + Track OBT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OBT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OBT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for OBT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OBT)

Financials Rank #229 of 1096 ⚔️ WTBA vs OBT Full Matrix →

1. Head-to-Head Financials Peer Comparison (OBT vs. WTBA, COFS, CZNC, PBAM)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Orange County Bancorp Inc. (OBT) ranks #229 by composite RQD confidence (68/100, grade C+) and #694 by equity capitalization ($517.3M). Within this direct 5-issuer industry benchmark cohort, OBT leads on earnings valuation at 12.4x trailing P/E, while OBT leads on capital efficiency and profitability with 14.6% ROIC and — gross margin. OBT currently leads its immediate peer cohort in composite quantitative strength at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OBT ACTIVE Orange County Bancorp Inc.	C+	68/100	12.4x	—	14.6%	+1.26%	$517.3M	Benchmark Subject
WTBA West Bancorporation	C	63/100	15.7x	—	12.2%	-1.38%	$512.0M	/wtba-vs-obt →
COFS ChoiceOne Financial Services Inc.	C+	66/100	18.6x	—	6.1%	+1.72%	$523.4M	/cofs-vs-obt →
CZNC Citizens & Northern Corp	C+	67/100	21.3x	—	6.9%	+1.20%	$498.9M	/cznc-vs-obt →
PBAM Private Bancorp of America Inc.	D	50/100	—	—	—	+0.22%	$490.2M	/pbam-vs-obt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001754226

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Orange County Bancorp Inc. (OBT) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $41.6M, operating cash flow of $43.8M, and free cash flow of $41.3M (+25.7% YoY). On the balance sheet, OBT closed FY2025 with $2.66B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$41.6M	$43.8M	$41.3M	$2.66B	—
FY2024 (FY)	2024-12-31	$0	$27.9M	$34.6M	$32.9M	$2.51B	—
FY2023 (FY)	2023-12-31	$0	$29.5M	$44.5M	$44.5M	—	—

3. OBT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OBT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Orange County Bancorp Inc. (NASDAQ: OBT) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $38.58 (+1.26% 1D, market cap $517.3M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OBT ranks #229 in composite RQD confidence.

How does OBT compare to WTBA and COFS in the Financials sector?

Within the Financials sector (Major Banks), OBT carries a Roarable C+ (68/100 RQD), trailing P/E of 12.4x, gross margin of —, and ROIC of 14.6%. By comparison, WTBA (West Bancorporation) holds a C grade (63/100 RQD, P/E 15.7x, ROIC 12.2%, cap $512.0M) and COFS (ChoiceOne Financial Services Inc.) posts a C+ grade (66/100 RQD, P/E 18.6x, ROIC 6.1%, cap $523.4M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OBT?

Per OBT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001754226), Orange County Bancorp Inc. generated $0 in revenue, $41.6M in net income, and $41.3M in free cash flow against $2.66B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OBT trading relative to its 50-day, 200-day, and 52-week technical levels?

OBT last traded at $38.58 (+1.26% on volume of 81,588 shares), positioning the stock +2.14% above its 50-day simple moving average ($37.77) and +8.80% above its 200-day simple moving average ($35.46). Across its 52-week range of $24.50 to $40.49, OBT sits at the 88.1% percentile with a 14-day RSI of 60.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.7% ($36.38 to $40.78).

OBT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell OBT stock right now?

Orange County Bancorp Inc. (OBT) currently earns a Roarable Rating of C+ (Hold — HOLD) with 68/100 RQD Confidence. Solid steady margins (15% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is OBT's 12-month price target and RQD AI Jury consensus?

OBT's 12-month base price target is $40.32 (range $31.45 to $47.58), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: OBT RQD Cockpit OBT 12M Forecast OBT Earnings & Move OBT Dividends & DRIP OBT Insiders & 13F OBT Whale Options OBT Profit Sankey OBT News & Why