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OBT (Orange County Bancorp) Moat Score : 4/10 (As of Jul. 04, 2025)


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What is Orange County Bancorp Moat Score?

Orange County Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Orange County Bancorp has Narrow Moat: Orange County Bancorp Inc benefits from a modest moat due to its regional banking presence and customer relationships. It has some switching costs and regulatory barriers typical in banking, but lacks strong brand strength or significant cost advantages. The moat is discernible but modest, supported by its established customer base and regulatory environment.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Orange County Bancorp might have Narrow Moat - Discernible but modest moat.

Competitive Comparison of Orange County Bancorp's Moat Score

For the Banks - Regional subindustry, Orange County Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Orange County Bancorp's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Orange County Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Orange County Bancorp's Moat Score falls into.


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Orange County Bancorp  (NAS:OBT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Orange County Bancorp Moat Score Related Terms

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Orange County Bancorp Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Orange County Bancorp Inc (NAS:OBT) » Definitions » Moat Score
Comparable Companies
FMAO PDLB WTBA BRBS USCB SSBK ALPIB CWBC BMRC CIVB NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK MIL:UCG XPAR:BNP SAU:1120 MIL:ISP SGX:D05 HKSE:01658 NSE:SBIN
Traded in Other Exchanges
N/A
Address
212 Dolson Avenue, Middletown, NY, USA, 10940
Website
https://www.orangebanktrust.com
Orange County Bancorp Inc provides banking services. Its services include personal banking services such as personal loans, personal savings, business loans, business savings, and Internet banking among others. The company provides commercial and consumer banking services to individuals, small businesses, and local municipal governments as well as trust and investment services through the Bank and HVIA. Its segment includes banking and wealth management. The company generates maximum revenue from the banking segment.
Executives
Joseph A Ruhl officer: Reg Pres, Westchester County 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Michael J Coulter officer: EVP and CLO 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Gregory Sousa officer: EVP and CCBO 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Stephen Rooney officer: SVP, Co-Chief Credit Officer 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Michael Listner officer: SVP and CCO 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Michael J Gilfeather director, officer: President and CEO 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Olga Luz Tirado director 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Gustave J Scacco director 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Terry R Saturno director 212 DOLSON AVENUE, MIDDLETOWN NY 10940
William D Morrison director 212 DOLSON AVENUE, MIDDLETOWN NY 10940
David P Dineen officer: SVP, Dir. Wealth Services 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Louis Heimbach director 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Kevin J Keane director 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Jonathan F Rouis director 212 DOLSON AVENUE, MIDDLETOWN NY 10940
Gregory F Holcombe director 212 DOLSON AVENUE, MIDDLETOWN NY 10940