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OBT Orange County Bancorp, Inc.
Banks, Insurers & Asset Managers
B- 68.2 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
A 88

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 53.4%
  • Efficiency Ratio Trend -3.35 pp/yr

Capital Efficiency

Weight: 15%
C 53
  • 5yr Avg ROE 15.4%
  • 5yr Share-Count CAGR 6.8%

Growth Quality

Weight: 15%
A+ 100

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 19.7%
  • Efficiency Ratio Trend (growth quality check) -3.35 pp/yr
  • Revenue-Growth Years (5) 5/5

Cash Generation

Weight: 15%
F 7

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.12

Balance Sheet

Weight: 20%
A- 82

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 10.7%

Stability

Weight: 10%
C+ 57
  • EPS Volatility (σ/μ) 0.54
  • Negative-Revenue Years (5) 0/5
  • Piotroski F-Score 6

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.