Orange County Bancorp, Inc.

Orange County Bancorp, Inc.

Financial Services

NASDAQ:OBT · NASDAQ Capital Market

Market Cap $492.47M Beta 0.43 P/E (TTM) 11.1
$36.73 +2.08%

+$0.75 today

52W Low $22.84High $37.99

Vol 0.06M · Avg 0.06M

EPS (TTM)$3.31
Div Yield1.82%
Banks - Regional

Management

Put operating results in leadership context

Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.

Return Metrics

ROE, ROIC & ROA over time

Management

ROE

14.6%

avg 9.8%

ROIC

11.9%

avg 6.4%

ROA

1.6%

avg 0.8%

Analysis

ROE is currently the strongest return metric at 14.6% versus its period average of 9.8%. 1 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.

Management

Key executives, compensation & ownership

Management
NameTitleCompensationTenureAgeShares OwnedOwnership %

Michael J. Gilfeather

President, Chief Executive Officer & Director$1.48M68$135,638.001.01%

Joseph A. Ruhl

Sr. Executive VP & Regional President of Westchester County$658,594.0060$36,159.000.27%

Michael Lesler

Executive Vice President & Chief Financial Officer$639,802.0055$135,638.001.01%

Gregory Sousa

Executive Vice President & Chief Lending Officer$552,263.0047$24,847.000.19%

Michael Listner

Senior Vice President & Chief Risk Officer48$135,638.001.01%

David Dineen

Executive VP & Senior MD and Director of Wealth Services62$12,270.000.09%

Michael J. Coulter

Executive Vice President Mid-Hudson Valley Market Executive69$135,638.001.01%

Jacob Rahiman

Senior Vice President & Chief Human Resource Officer

Elizabeth Jones

Executive Vice President & Chief Operating Officer47$11,922.000.09%

Anthony Pili

Senior VP & Chief Innovation Officer

Redwan Ahmed

Senior Vice President & Chief Information Officer

Jennifer Staub

Vice President, Senior Compliance Officer & Corporate Secretary

Insider Trading

SEC Form 4 transactions — last 12 months

Management

Buys

3

$45,882.98

Sells

2

$28,806.08

Net Sentiment

+$17,076.90

Net buying

Most Active

Gilfeather Michael J

3 transactions

DateInsiderTypeSharesPriceValue
Mar 19, 2026

Gilfeather Michael J

Indirect

Buy200$31.25$6,249.98
Dec 11, 2025

Dineen David P

Direct

Sell192$29.00$5,568.00
Dec 11, 2025

Dineen David P

Direct

Sell808$28.76$23,238.08
Oct 31, 2025

Gilfeather Michael J

Direct

Buy1.3K$24.02$31,226.00
Oct 31, 2025

Gilfeather Michael J

Indirect

Buy350$24.02$8,407.00

Analysis

Insiders reported 3 buys worth $45,882.98 and 2 sells worth $28,806.08 over the last 12 months. That adds up to net buying of $17,076.90. Gilfeather Michael J was the most active insider with 3 transactions.

Growth Analysis

Historical CAGR & forward analyst estimates

Metric 10yr5yr3yr Fwd Est.
EPSN/AN/AN/A
N/A1 analysts
RevenueN/AN/A+10.0%
+12.9% (12yr)1 analysts
Net IncomeN/AN/AN/A
N/A1 analysts
EBITN/AN/AN/A
N/A1 analysts

Analysis

Recent growth has been strongest in Revenue at +10.0% over three years. Forward estimates point to Revenue at +12.9% (12yr), giving you a quick check on whether expectations are accelerating or cooling.

Who manages OBT?

Orange County Bancorp, Inc. (OBT) lists 12 active executives. The top listed executive is Michael Lesler, Executive Vice President & Chief Financial Officer.

Are OBT insiders buying or selling?

Recent insider activity shows net selling of $757,998.05.

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