Is Orange County Bancorp, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for Orange County Bancorp, Inc. has moved from fair to expensive, indicating that the stock is overvalued. The company exhibits a P/E ratio of 12, a Price to Book Value of 1.59, and an EV to EBIT ratio of 6.07, which are relatively high compared to its peers. For instance, Bridgewater Bancshares, Inc. has a P/E of 11.97, while Home Bancorp, Inc. stands at a more attractive P/E of 10.68.
In comparison to the S&P 500, Orange County Bancorp has underperformed over various periods, with a year-to-date return of -10.38% versus the S&P 500's 14.18%. This trend reinforces the view that the stock is currently overvalued, especially given its recent price movements and the overall market performance.