OBT Orange County Bancorp, Inc.
XNAS
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
OBT
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What changed
Recent filings, trades and movesKey stats
Related
About
- Industry (SIC)
- STATE COMMERCIAL BANKS (6022) · industry map
- Exchange
- XNAS
- Market Cap
- $0.5B
- Employees
- 235
- List Date
- 1998-12-14
- CIK
- 0001754226
- Last Earnings
- Jul 29 · −2.1%
- Headquarters
- Middletown, NY
- Homepage
- https://www.orangebanktrust.com
Orange County Bancorp Inc is a community bank holding company providing commercial and consumer banking services to individuals, small businesses, and local governments. It operates through two segments: Banking and Wealth Management. The Banking segment, the primary revenue driver, offers loans such as commercial real estate, construction, commercial & industrial, multifamily, and residential mortgages, along with services like cash management, escrow, deposits, ATMs, and digital banking. The Wealth Management segment provides investment management, trust services (trustee, administrator, cus…
Summary
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composite
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No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | -- | 0.61% | 1.83% | -17.38% | -4.15% | 8.60% | -2.10% |
| Feb | -- | -0.12% | 12.90% | -9.35% | -1.43% | 4.27% | 1.25% |
| Mar | -- | -2.41% | -19.06% | 3.14% | -6.66% | -3.85% | -5.77% |
| Apr | -- | -0.14% | -17.46% | -9.49% | -0.75% | 5.51% | -4.47% |
| May | -- | -2.11% | -8.60% | 7.22% | 5.27% | 0.06% | 0.37% |
| Jun | -- | 2.32% | 18.06% | 11.92% | 3.78% | 8.91% | 9.00% |
| Jul | -- | -11.53% | 24.63% | 30.90% | -5.66% | 1.49% | 7.97% |
| Aug | 1.88% | 0.63% | 4.26% | 2.35% | 11.82% | -0.84% | 3.35% |
| Sep | 0.44% | 9.78% | -9.95% | 3.36% | -4.94% | -1.47% | -0.46% |
| Oct | 10.26% | 12.26% | 3.76% | -9.55% | -2.59% | 4.03% | 3.03% |
| Nov | -0.67% | 6.13% | 7.29% | 12.06% | 9.67% | -0.57%* | 5.65% |
| Dec | 14.66% | -0.75% | 23.72% | -7.35% | 5.49% | -- | 7.15% |
| Total | 28.50% | 13.36% | 33.57% | 9.11% | 8.06% | 28.40% | 20.17% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $38.35
SMA 50: $38.00
SMA 200: $35.76
Current: $39.88
EMA 12: $39.19
EMA 26: $38.56
MACD: 0.6272 | Signal: 0.1884
BULLISH
ADX (14): 27.47
TREND
+DI: 26.96
−DI: 20.21
Momentum Oscillators
RSI (14): 61.42
NEUTRAL
Stoch %K: 60.43
Stoch %D: 64.18
Williams %R: -38.69
Volume & Volatility
BB Upper: $40.76
BB Lower: $35.94
NEUTRAL
OBV: 4,385,313
Vol SMA 20: 63,271
Vol ROC: -32.93%
ATR: $1.39
True Range: $2.99
HV 20: 24.0%
HV 30: 21.3%
HV 60: 19.5%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-11-11T00:00:00 – 2026-11-09T00:00:00
AI Analysis
LLM Stock Analysis Report
Executive Summary
Overall Assessment: NEUTRAL (Confidence Level: 6/10)
Key Drivers:
- Bullish momentum from MACD crossover
- Supportive technical indicators, including SMA and EMA trends
- Positive news sentiment from recent headlines
Primary Risks:
- Volatility regime shift to high-risk environment
- Potential earnings miss or negative surprise
- Technical break below support levels
Investment Thesis: OBT has a strong technical foundation with bullish momentum, but its low volatility and positive news sentiment are balanced by potential risks. A cautious approach is advised.
Recent News Sentiment Impact: The recent headlines have been overwhelmingly positive, contributing to the stock's current upward trend.
Technical Analysis
Trend Direction:
- Short-term (1-4 weeks): Bullish
- Medium-term (1-3 months): Bullish
- Long-term (3-12 months): Neutral
Support/Resistance Levels:
- Key price levels: $38.30 (SMA 20), $37.89 (SMA 50)
- Resistance level: $39.28 (upper Bollinger Band)
Momentum Signals:
- RSI interpretation: Neutral (57.20)
- MACD signal: Bullish
- Bollinger Bands position: Neutral
Volume Analysis:
- Volume trends: Weak
- Institutional interest signals: None
News & Sentiment Analysis
Recent Headlines Summary: The recent news headlines have been overwhelmingly positive, highlighting the company's financial performance, employee promotions, and community events.
Sentiment Assessment: Aggregate sentiment is positive (7/10), with most headlines focusing on the company's achievements and milestones.
Catalyst Identification:
- Upcoming events: None
- Earnings: No data available
Market Narrative: The positive news sentiment aligns with the technical signals, supporting the current upward trend.
Risk & Volatility Assessment
Risk Interpretation: Low (beta 0.44)
Volatility Regime: Current vs historical volatility levels: Low (stock moves less than market)
Options Market Signals:
- IV rank: N/A
- Put/call ratios: N/A
- Unusual activity: None
Downside Protection: Support levels and risk management considerations are critical in this low-volatility environment.
Market Context & Positioning
Sector Performance: OBT's performance is relative to the broader market, with a similar sector ranking.
Institutional Activity: Volume patterns suggest some institutional interest, but it's not significant.
Correlation Analysis: The stock moves relatively close to the market (R-squared interpretation).
Relative Valuation: OBT is positioned within its trading range, with no clear value or overvaluation indicators.
Key Levels & Action Items
Critical Price Levels:
- Support: $38.30 (SMA 20)
- Resistance: $39.28 (upper Bollinger Band)
Breakout/Breakdown Levels: None
Time-Sensitive Catalysts: Earnings date, FDA approvals, product launches - no data available
Risk Management: Stop-loss levels and position sizing considerations are essential in this low-volatility environment.
This report provides a comprehensive analysis of OBT's technical, fundamental, and news-driven aspects. The bullish momentum from the MACD crossover and supportive technical indicators are balanced by potential risks, including volatility regime shifts and earnings misses. A cautious approach is advised, with a focus on risk management and position sizing considerations in this low-volatility environment.
Generated
News
All OBT news →
Earnings History
1 of 1 under expected move
Avg Expected Move
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Avg Actual Move
2.07%
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2026-07-29 | unknown | — | 2.07% | — | Within |
Earnings calendar: this week’s reports with expected vs actual moves →
OBT Options Activity & IV Rank
Loading options activity...
Spread Scanner
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Scanning bull put, bear call, iron condor and calendar spreads…
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
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pts
EXTREME
ATM — / Wing —
30 DTE / 10d
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—
pts
EXTREME
ATM — / Wing —
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Loading the implied volatility surface…
Volatility Smile
Loading the implied volatility smile…
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
Risk Metrics
Beta: 0.2971
Alpha: 41.14%
Correlation: 0.1629
R-Squared: 2.7%
Stock Volatility: 25.1%
Market Volatility: 13.8%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own OBT
3 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Renaissance Technologies Hedge fund Jim Simons | $1.8M | #2016 of 3138 | +114.4% | 13F | |
| Millennium Management Hedge fund Izzy Englander | $978K | #2915 of 3716 | -44.1% | 13F | |
| Citadel Hedge fund Ken Griffin | $962K | #3745 of 6285 | +24.3% | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
OBT Institutional Ownership (13F)
Filings for 2026-06-30 · 39 already for 2026-09-30Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
OBT Insider Trading (Form 4)
Latest: 2026-11-05Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-11-05 | Joseph A Ruhl | Reg Pres, Westchester County | Sell (S) | −1,923 | $40.27 | -$77.4K | EDGAR |
| 2026-10-30 | Richard B Rowley | Director | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Olga Luz Tirado | Director | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Marianna R Kennedy | Director | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Richard B Rowley | Director | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Jon Schiller | Director | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Jonathan F Rouis | Director | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Gregory F Holcombe | Director | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Kevin J Keane | Director | Award (A) | — | — | EDGAR | |
| 2026-09-21 | Gregory Sousa | EVP and Deputy CLO | Award (A) | — | — | EDGAR | |
| 2026-09-16 | William D Morrison | Director | Award (A) | — | — | EDGAR | |
| 2026-09-16 | Jon Schiller | Director | Award (A) | — | — | EDGAR | |
| 2026-09-16 | Jonathan F Rouis | Director | Award (A) | — | — | EDGAR | |
| 2026-09-16 | Gregory Sousa | EVP and Deputy CLO | Award (A) | — | — | EDGAR | |
| 2026-09-16 | Michael J Gilfeather | President and CEO | Award (A) | — | — | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
OBT Insider Holdings
17 insiders · @ $39.88
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Richard B Rowley | Director | 537,134 | $21.42M | $385.2K | 70 | 2026-10-30 |
| 2 | Michael J Gilfeather | President and CEO | 145,849 | $5.82M | $192.4K | 51 | 2026-09-16 |
| 3 | William D Morrison | Director | 113,442 | $4.52M | $38.3K | 16 | 2026-09-16 |
| 4 | Gregory F Holcombe | Director | 80,878 | $3.23M | $619.8K | 62 | 2026-10-02 |
| 5 | Joseph A Ruhl | Reg Pres, Westchester County | 32,859 | $1.31M | -$171.7K | 20 | 2026-11-05 |
| 6 | Kevin J Keane | Director | 26,666 | $1.06M | $39.3K | 52 | 2026-10-02 |
| 7 | Michael Lesler | EVP, Chief Financial Officer | 17,839 | $711.4K | $41.0K | 20 | 2026-09-16 |
| 8 | Gregory Sousa | EVP and Deputy CLO | 17,637 | $703.4K | -$362.0K | 45 | 2026-09-21 |
| 9 | David P Dineen | SVP, Dir. Wealth Services | 15,050 | $600.2K | -$28.8K | 13 | 2026-03-23 |
| 10 | Jon Schiller | Director | 12,473 | $497.4K | $150.0K | 18 | 2026-10-02 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
OBT Board & Officers
As of SEC filings through Nov 5, 2026Directors 8
- Gregory F Holcombe · since Aug 4, 2021
- Jonathan F Rouis · since Aug 4, 2021
- Richard B Rowley · since Aug 4, 2021
- William D Morrison · since Aug 4, 2021
- Kevin J Keane · since Jan 21, 2022
- Marianna R Kennedy · since Oct 1, 2022
- Olga Luz Tirado · since Oct 1, 2023
- Jon Schiller · since Oct 1, 2024
Officers 10
- Michael J Gilfeather · President and CEO · since Aug 4, 2021
- Michael Lesler · EVP, Chief Financial Officer · listed since Dec 2023
- Elizabeth A Jones · SVP, Chief Operating Officer · since Mar 1, 2022
- Stephen Rooney · SVP, Chief Credit Officer · since Aug 18, 2022
- Michael Listner · SVP and Chief Risk Officer · listed since Sep 2024
- Orville G Aarons · EVP-Chief of Crdt Risk Mngmnt · since Nov 20, 2025
- Michael J Coulter · EVP and CLO · since Aug 4, 2021
- Gregory Sousa · EVP and Deputy CLO · listed since May 2024
- Joseph A Ruhl · Reg Pres, Westchester County · since Aug 4, 2021
- David P Dineen · SVP, Dir. Wealth Services · since Apr 1, 2022
Changes in the last 10 years (36)
| Nov 20, 2025 | Orville G Aarons became EVP-Chief of Crdt Risk Mngmnt |
| Sep 2, 2025 | The company announced the departure of Gustave J Scacco from the board in an SEC filing |
| Oct 1, 2024 | Jon Schiller became a director |
| Sep 25, 2024 | Michael Listner listed as SVP and Chief Risk Officer (previously SVP and CCO) in SEC filings |
| May 14, 2024 | Gregory Sousa listed as EVP and Deputy CLO (previously EVP and CCBO) in SEC filings |
| Feb 8, 2024 | The company announced the departure of Louis Heimbach from the board in an SEC filing |
| Dec 28, 2023 | Michael Lesler listed as EVP, Chief Financial Officer (previously SVP, Chief Accounting Officer) in SEC filings |
| Dec 22, 2023 | The company announced the departure of Michael J Gilfeather from the board in an SEC filing |
| Dec 21, 2023 | The company announced the departure of Terry R Saturno from the board in an SEC filing |
| Oct 1, 2023 | Olga Luz Tirado became a director |
| Dec 15, 2022 | The company announced the departure of Robert L Peacock as SEVP and CFO in an SEC filing |
| Dec 12, 2022 | The company announced the departure of Susan G Metzger from the board in an SEC filing |
| Oct 1, 2022 | Marianna R Kennedy became a director |
| Aug 18, 2022 | Stephen Rooney became SVP, Chief Credit Officer |
| Apr 1, 2022 | David P Dineen became SVP, Dir. Wealth Services |
| Mar 1, 2022 | Elizabeth A Jones became SVP, Chief Operating Officer |
| Jan 21, 2022 | The company announced the departure of Virginia K Rizzo from the board in an SEC filing |
| Jan 21, 2022 | Kevin J Keane became a director |
| Dec 23, 2021 | Michael Lesler became SVP, Chief Accounting Officer |
| Aug 4, 2021 | William D Morrison became a director |
| Aug 4, 2021 | Virginia K Rizzo became a director |
| Aug 4, 2021 | Terry R Saturno became a director |
| Aug 4, 2021 | Susan G Metzger became a director |
| Aug 4, 2021 | Robert L Peacock became SEVP and CFO |
| Aug 4, 2021 | Richard B Rowley became a director |
| Aug 4, 2021 | Michael Listner became SVP and CCO |
| Aug 4, 2021 | Michael J Gilfeather became a director |
| Aug 4, 2021 | Michael J Gilfeather became President and CEO |
| Aug 4, 2021 | Michael J Coulter became EVP and CLO |
| Aug 4, 2021 | Louis Heimbach became a director |
| Aug 4, 2021 | Joseph A Ruhl became Reg Pres, Westchester County |
| Aug 4, 2021 | Jonathan F Rouis became a director |
| Aug 4, 2021 | Gustave J Scacco became a director |
| Aug 4, 2021 | Gregory Sousa became EVP and CCBO |
| Aug 4, 2021 | Gregory F Holcombe became a director |
| Aug 4, 2021 | Frank Skuthan became SVP, Dir Trust Services |
Not reported recently (1)
- Frank Skuthan · Last reported as SVP, Dir Trust Services in an SEC filing dated Feb 17, 2023
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
Recent SEC Filings
Latest: 2026-11-05
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
| Filing Date | Accession | Link |
|---|
Quarterly report — unaudited financials and MD&A. Filed 40–45 days after each of the first three fiscal quarters.
| Filing Date | Accession | Link |
|---|---|---|
| 2026-08-10 | 0001104659-26-093345 | EDGAR |
ETF Holders
40 ETFs hold OBT
25 shown · $62.11M total exposure · 0.02% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | AVUV Avantis U.S. Small Cap Value ETF | Avantis | 0.04% | $12.8M | $31.6B | 2026-11-05 |
| 2 | IWM iShares Russell 2000 ETF | iShares (BlackRock) | 0.02% | $12.6M | $76.6B | 2026-11-06 |
| 3 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $12.5M | — | 2026-09-30 |
| 4 | VXF Vanguard Extended Market ETF | Vanguard | 0.01% | $4.9M | — | 2026-09-30 |
| 5 | IWN iShares Russell 2000 Value ETF | iShares (BlackRock) | 0.02% | $3.1M | $13.9B | 2026-11-06 |
| 6 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.01% | $2.8M | — | 2026-11-05 |
| 7 | VTWO Vanguard Russell 2000 ETF | Vanguard | 0.02% | $2.7M | — | 2026-09-30 |
| 8 | FDM First Trust Dow Jones Select MicroCap Index Fund | First Trust | 0.74% | $2.0M | $263.7M | 2026-11-06 |
| 9 | IWC iShares Micro-Cap ETF | iShares (BlackRock) | 0.13% | $1.5M | $1.2B | 2026-11-06 |
| 10 | IWO iShares Russell 2000 Growth ETF | iShares (BlackRock) | 0.01% | $1.5M | $13.7B | 2026-11-06 |
| 11 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.00% | $1.3M | — | 2026-11-05 |
| 12 | AVSC Avantis U.S. Small Cap Equity ETF | Avantis | 0.03% | $928,778 | $3.2B | 2026-11-05 |
| 13 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.01% | $653,385 | — | 2026-11-05 |
| 14 | DES WisdomTree U.S. SmallCap Dividend Fund | Nport | 0.02% | $454,785 | — | 2026-06-30 |
| 15 | VTWV Vanguard Russell 2000 Value ETF | Vanguard | 0.02% | $295,563 | — | 2026-09-30 |
| 16 | DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund | Nport | 0.07% | $291,408 | — | 2026-06-30 |
| 17 | AVUS Avantis U.S. Equity ETF | Avantis | 0.00% | $289,702 | $14.3B | 2026-11-05 |
| 18 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.00% | $263,076 | — | 2026-11-05 |
| 19 | RSSL Global X Russell 2000 ETF | Global X | 0.02% | $238,264 | — | 2026-11-06 |
| 20 | IWV iShares Russell 3000 ETF | iShares (BlackRock) | 0.00% | $213,616 | $19.7B | 2026-11-06 |
| 21 | QABA First Trust NASDAQ® ABA Community Bank Index Fund | First Trust | 0.22% | $192,642 | $87.0M | 2026-11-06 |
| 22 | VTWG Vanguard Russell 2000 Growth ETF | Vanguard | 0.01% | $163,541 | — | 2026-09-30 |
| 23 | EES WisdomTree U.S. SmallCap Fund | Nport | 0.02% | $160,287 | — | 2026-06-30 |
| 24 | DFAU Dimensional US Core Equity Market ETF | Dimensional | 0.00% | $129,067 | $12.6B | 2026-11-05 |
| 25 | DFUS Dimensional US Equity Market ETF | Dimensional | 0.00% | $126,197 | $20.9B | 2026-11-05 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
OBT vs Peers
Related companies, largest first| Company | Market cap | P/E | Revenue growth | YTD | IV rank |
|---|---|---|---|---|---|
| CCBG Capital City Bank Group Inc | $861M | 14.3 | +3.8% | +21.3% | 57 |
| ORRF Orrstown Financial Services Inc | $861M | 10.2 | +10.7% | +27.3% | 61 |
| PGC Peapack-Gladstone Financial Corp | $814M | 18.8 | +10.3% | +67.4% | 44 |
| IBCP Independent Bank Corp. | $802M | 11.0 | −1.5% | +14.9% | 29 |
| CTO CTO Realty Growth, Inc. | $783M | 17.9 | +15.3% | +11.1% | 37 |
| FISI Financial Institutions Inc | $776M | 10.0 | +39.3% | +30.4% | 40 |
| GCMG GCM Grosvenor Inc. Class A Common Stock | $774M | 29.2 | +4.8% | +19.0% | 27 |
| WASH Washington Trust Bancorp Inc | $737M | 14.4 | +22.9% | +36.7% | 44 |
| OBT Orange County Bancorp, Inc. Common Stock | $530M | — | — | +40.5% | — |
| Peer median | $792M | 14.4 | +10.5% | +24.3% | 42 |
P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.