OBT
Orange County Bancorp, Inc. Financial Services - Banks - Regional Investor Relations →
Orange County Bancorp, Inc. (OBT) closed at $30.94 as of 2026-03-20, trading 32.1% above its 200-week moving average of $23.41. The stock moved further from the line this week, up from 30.7% last week. The 14-week RSI sits at 58, indicating neutral momentum.
Trading volume is running at 1.2x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.28 ratio) is neutral — neither side is clearly dominating.
Over the past 1122 weeks of data, OBT has crossed below its 200-week moving average 10 times. On average, these episodes lasted 29 weeks. Historically, investors who bought OBT at the start of these episodes saw an average one-year return of +5.4%.
With a market cap of $414 million, OBT is a small-cap stock. Return on equity stands at 17.7%, a solid level. The stock trades at 1.4x book value.
Over the past 21.6 years, a hypothetical investment of $100 in OBT would have grown to $415, compared to $868 for the S&P 500. OBT has returned 6.8% annualized vs 10.5% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 21.4% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: OBT vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After OBT Crosses Below the Line?
Across 10 historical episodes, buying OBT when it crossed below its 200-week moving average produced an average return of +4.3% after 12 months (median -9.0%), compared to +16.2% for the S&P 500 over the same periods. 33% of those episodes were profitable after one year. After 24 months, the average return was +7.9% vs +13.2% for the index.
Each line shows $100 invested at the moment OBT crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
OBT has crossed below its 200-week MA 10 times with an average 1-year return of +5.4% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jun 2006 | Jul 2006 | 5 | 0.9% | -8.1% | +305.4% |
| Jul 2006 | Jul 2006 | 1 | 4.7% | -4.0% | +323.7% |
| Aug 2006 | Aug 2006 | 1 | 2.8% | -11.8% | +315.4% |
| Sep 2006 | Oct 2006 | 1 | 0.9% | -11.5% | +307.4% |
| Oct 2006 | Nov 2007 | 58 | 13.2% | -3.8% | +307.4% |
| Dec 2007 | Jun 2011 | 181 | 27.5% | -12.5% | +323.7% |
| Jan 2012 | Feb 2012 | 1 | 0.1% | +9.2% | +393.5% |
| Mar 2020 | Nov 2020 | 36 | 13.0% | +26.9% | +183.6% |
| May 2023 | Jun 2023 | 5 | 4.9% | +64.6% | +104.5% |
| Apr 2025 | Apr 2025 | 1 | 0.7% | N/A | +48.2% |
| Average | 29 | — | +5.4% | — |
Frequently Asked Questions
Is OBT below its 200-week moving average?
No. Orange County Bancorp, Inc. (OBT) is currently 32.1% above its 200-week moving average of $23.41. It would need to fall to $23.41 to cross below the line.
What is OBT's 200-week moving average price?
Orange County Bancorp, Inc.'s 200-week moving average is $23.41 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when OBT drops below its 200-week moving average?
OBT has crossed below its 200-week moving average 10 times in our data. On average, buying at that moment produced a one-year return of +5.4%. These dips have historically been decent entry points. These episodes lasted 29 weeks on average.
Is OBT a good value right now?
Here's what our data says about OBT as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 58. Return on equity is 17.7%. Price-to-book is 1.4x. This is not a buy or sell recommendation — always do your own research.
How does OBT compare to the S&P 500?
Over the past 21.6 years, $100 invested in OBT would have grown to $415, compared to $868 for the S&P 500. That's 6.8% annualized vs 10.5% for the index. OBT has underperformed the broader market over this period.
Does OBT pay a dividend?
Yes. Orange County Bancorp, Inc. currently pays a dividend yield of 200.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20