Orange County Bancorp, Inc. /DE/
OBT · State Commercial Banks · 13.4M shares · +26%/yr ↑ dilution · EDGAR filings ↗
Reference price $31.25 · est. market cap ~$419M — last insider purchase, 2026-03-19 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B75Orange County Bancorp — high-return New York commercial bank/wealth manager.
Strengths
- ROE 14.6% (93rd pct), ROA (90th); net income up sharply (80th)
Risks
- Hudson-Valley regional concentration
- Rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Chronic dilutionShare count +26%/yr over 4y (dilution, book value/share -38%)
Key metrics
Return on equity
14.6%
Return on assets
1.6%
Net-income growth
49.2%
Free cash flow
$41M
Tangible book value
$278M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-19 | Jones Elizabeth A | Grant | 3.8K | — |
| 2026-03-19 | Jones Elizabeth A | Tax withheld | 656 | $31.15 |
| 2026-03-19 | Lesler Michael | Grant | 5.1K | — |
| 2026-03-19 | Lesler Michael | Tax withheld | 1.2K | $31.15 |
| 2026-03-19 | Listner Michael | Grant | 2.8K | — |
| 2026-03-19 | Listner Michael | Tax withheld | 832 | $31.15 |
| 2026-03-19 | Rooney Stephen | Grant | 2.8K | — |
| 2026-03-19 | Rooney Stephen | Tax withheld | 841 | $31.15 |
| 2026-03-19 | Ruhl Joseph A | Grant | 5.1K | — |
| 2026-03-19 | Ruhl Joseph A | Tax withheld | 1.4K | $31.15 |
| 2026-03-19 | Sousa Gregory | Grant | 5.1K | — |
| 2026-03-19 | Sousa Gregory | Tax withheld | 1.3K | $31.15 |
| 2026-03-19 | Dineen David P | Grant | 4.3K | — |
| 2026-03-19 | Dineen David P | Tax withheld | 790 | $31.15 |
| 2026-03-19 | Gilfeather Michael J | Grant | 17K | — |
| 2026-03-19 | Gilfeather Michael J | Grant | 9.4K | — |
| 2026-03-19 | Gilfeather Michael J | Tax withheld | 6.2K | $31.15 |
| 2026-03-19 | Gilfeather Michael J | Buy | 200 | $31.25 |
| 2026-03-10 | Coulter Michael J | Tax withheld | 499 | $31.47 |
| 2026-03-10 | Sousa Gregory | Tax withheld | 410 | $31.47 |
| 2026-03-10 | Dineen David P | Tax withheld | 277 | $31.47 |
| 2026-03-10 | Gilfeather Michael J | Tax withheld | 1.7K | $31.47 |
| 2026-03-10 | Jones Elizabeth A | Tax withheld | 220 | $31.47 |
| 2026-03-10 | Lesler Michael | Tax withheld | 271 | $31.47 |
| 2026-03-10 | Listner Michael | Tax withheld | 326 | $31.47 |
| 2026-03-10 | Rooney Stephen | Tax withheld | 133 | $31.47 |
| 2026-03-10 | Ruhl Joseph A | Tax withheld | 459 | $31.47 |
| 2026-02-20 | HOLCOMBE GREGORY F | Disposition | 995 | — |
| 2026-02-20 | HOLCOMBE GREGORY F | Disposition | 995 | — |
| 2026-02-20 | Keane Kevin J | Disposition | 995 | — |
| 2026-02-20 | Kennedy Marianna R | Disposition | 995 | — |
| 2026-02-20 | Morrison William D | Disposition | 995 | — |
| 2026-02-20 | Rouis Jonathan F | Disposition | 995 | — |
| 2026-02-20 | Rowley Richard B | Disposition | 995 | — |
| 2026-02-20 | Schiller Jon | Disposition | 995 | — |
| 2026-02-19 | Kennedy Marianna R | Grant | 866 | — |
| 2026-02-19 | Morrison William D | Grant | 866 | — |
| 2026-02-19 | Gilfeather Michael J | Grant | 4.2K | — |
| 2026-02-19 | Rouis Jonathan F | Grant | 866 | — |
| 2026-02-19 | HOLCOMBE GREGORY F | Grant | 866 | — |
| 2026-02-19 | Keane Kevin J | Grant | 866 | — |
| 2026-02-19 | Schiller Jon | Grant | 866 | — |
| 2026-02-19 | Rowley Richard B | Grant | 866 | — |
| 2026-02-19 | HOLCOMBE GREGORY F | Grant | 866 | — |
| 2026-02-19 | Tirado Olga Luz | Grant | 866 | — |
| 2026-02-06 | HOLCOMBE GREGORY F | Gift | 35K | — |
| 2026-02-06 | HOLCOMBE GREGORY F | Gift | 35K | — |
| 2025-12-16 | Lesler Michael | Tax withheld | 240 | $28.95 |
| 2025-12-11 | Dineen David P | Sell | 808 | $28.76 |
| 2025-12-11 | Dineen David P | Sell | 192 | $29.00 |
| 2025-12-05 | HOLCOMBE GREGORY F | Gift | 35K | — |
| 2025-12-05 | HOLCOMBE GREGORY F | Gift | 35K | — |
| 2025-11-10 | Rooney Stephen | Tax withheld | 721 | $26.48 |
| 2025-10-31 | Gilfeather Michael J | Buy | 350 | $24.02 |
| 2025-10-31 | Gilfeather Michael J | Buy | 1.3K | $24.02 |
| 2025-06-04 | Schiller Jon | Buy | 6.5K | $23.25 |
| 2025-05-28 | Dineen David P | Tax withheld | 240 | $25.85 |
| 2025-05-16 | Ruhl Joseph A | Sell | 1.8K | $26.67 |
| 2025-05-05 | Coulter Michael J | Sell | 2.5K | $26.17 |
| 2025-05-02 | Sousa Gregory | Sell | 177 | $24.65 |
| 2025-05-02 | Sousa Gregory | Sell | 100 | $24.62 |
| 2025-05-02 | Sousa Gregory | Sell | 300 | $24.61 |
| 2025-05-02 | Sousa Gregory | Sell | 1.8K | $24.60 |
| 2025-05-02 | Sousa Gregory | Sell | 50 | $25.00 |
| 2025-03-21 | Rooney Stephen | Tax withheld | 479 | $24.15 |
| 2025-03-21 | Ruhl Joseph A | Tax withheld | 664 | $24.15 |
| 2025-03-21 | HOLCOMBE GREGORY F | Disposition | 1.1K | — |
| 2025-03-21 | Keane Kevin J | Disposition | 1.1K | — |
| 2025-03-21 | Kennedy Marianna R | Disposition | 1.1K | — |
| 2025-03-21 | Morrison William D | Disposition | 1.1K | — |
| 2025-03-21 | Rouis Jonathan F | Disposition | 1.1K | — |
| 2025-03-21 | Rowley Richard B | Disposition | 1.1K | — |
| 2025-03-21 | Sousa Gregory | Tax withheld | 625 | $24.15 |
| 2025-03-21 | Coulter Michael J | Tax withheld | 628 | $24.15 |
| 2025-03-21 | Dineen David P | Tax withheld | 412 | $24.15 |
| 2025-03-21 | Gilfeather Michael J | Tax withheld | 2.8K | $24.15 |
| 2025-03-21 | Jones Elizabeth A | Tax withheld | 355 | $24.15 |
| 2025-03-21 | Lesler Michael | Tax withheld | 475 | $24.15 |
| 2025-03-21 | Listner Michael | Tax withheld | 432 | $24.15 |
| 2025-03-20 | Listner Michael | Grant | 3.3K | — |
| 2025-03-20 | Dineen David P | Grant | 3.2K | — |
| 2025-03-20 | Sousa Gregory | Grant | 5.7K | — |
| 2025-03-20 | Ruhl Joseph A | Grant | 5.9K | — |
| 2025-03-20 | Rooney Stephen | Grant | 3.3K | — |
| 2025-03-20 | Lesler Michael | Grant | 5.8K | — |
| 2025-03-20 | Jones Elizabeth A | Grant | 2.7K | — |
| 2025-03-20 | Gilfeather Michael J | Grant | 19K | — |
| 2025-03-10 | Sousa Gregory | Tax withheld | 410 | $23.95 |
| 2025-03-10 | Coulter Michael J | Tax withheld | 498 | $23.95 |
| 2025-03-10 | Dineen David P | Tax withheld | 276 | $23.95 |
| 2025-03-10 | Gilfeather Michael J | Tax withheld | 1.6K | $23.95 |
| 2025-03-10 | Listner Michael | Tax withheld | 344 | $23.95 |
| 2025-03-10 | Rooney Stephen | Tax withheld | 133 | $23.95 |
| 2025-03-10 | Ruhl Joseph A | Tax withheld | 459 | $23.95 |
| 2025-03-10 | Jones Elizabeth A | Tax withheld | 253 | $23.95 |
| 2025-02-20 | Schiller Jon | Grant | 995 | — |
| 2025-02-20 | Kennedy Marianna R | Grant | 995 | — |
| 2025-02-20 | Morrison William D | Grant | 995 | — |
| 2025-02-20 | Keane Kevin J | Grant | 995 | — |
| 2025-02-20 | HOLCOMBE GREGORY F | Grant | 995 | — |
| 2025-02-20 | Rowley Richard B | Grant | 995 | — |
| 2025-02-20 | Rouis Jonathan F | Grant | 995 | — |
| 2025-02-20 | Tirado Olga Luz | Grant | 995 | — |
| 2025-02-18 | Ruhl Joseph A | Tax withheld | 502 | $26.63 |
| 2025-02-18 | Sousa Gregory | Tax withheld | 425 | $26.63 |
| 2025-02-18 | Coulter Michael J | Tax withheld | 463 | $26.63 |
| 2025-02-18 | Gilfeather Michael J | Tax withheld | 1.1K | $26.63 |
| 2025-02-18 | Jones Elizabeth A | Tax withheld | 137 | $26.63 |
| 2025-02-18 | Jones Elizabeth A | Tax withheld | 137 | $26.63 |
| 2025-02-18 | Listner Michael | Tax withheld | 336 | $26.63 |
| 2025-02-14 | Gilfeather Michael J | Grant | 5.2K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-27 | 2026-05-26 | 0000943374-26-000213 ↗ |
| 8-K | 2026-05-22 | 2026-05-22 | 0001104659-26-065754 ↗ |
| 10-Q | 2026-05-11 | 2026-03-31 | 0001104659-26-058511 ↗ |
| 8-K | 2026-04-28 | 2026-04-28 | 0000943374-26-000176 ↗ |
| 8-K | 2026-03-25 | 2026-03-19 | 0000943374-26-000150 ↗ |
| 10-K | 2026-03-16 | 2025-12-31 | 0001104659-26-028308 ↗ |
| 8-K | 2026-02-20 | 2026-02-20 | 0001104659-26-018183 ↗ |
| 8-K | 2026-02-04 | 2026-02-04 | 0000943374-26-000054 ↗ |
| 8-K | 2025-11-24 | 2025-11-24 | 0001104659-25-115469 ↗ |
| 8-K | 2025-11-10 | 2025-11-10 | 0001104659-25-109183 ↗ |
| 10-Q | 2025-11-10 | 2025-09-30 | 0001104659-25-108979 ↗ |
| 8-K | 2025-10-30 | 2025-10-29 | 0000943374-25-000448 ↗ |