What if you'd held OBT?
A $1,000 investment in Orange County Bancorp, Inc. (OBT) at the month-end close of 2003-10 would be worth $5,842 at the close of 2026-08 — +484.2% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $7,336.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 2003
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2003 | $1,000 | — |
| 2004 | $1,087 | +8.7% |
| 2005 | $1,186 | +9.1% |
| 2006 | $1,076 | -9.2% |
| 2007 | $1,087 | +1.0% |
| 2008 | $963 | -11.4% |
| 2009 | $886 | -7.9% |
| 2010 | $912 | +2.9% |
| 2011 | $946 | +3.8% |
| 2012 | $1,037 | +9.7% |
| 2013 | $1,057 | +1.9% |
| 2014 | $1,220 | +15.4% |
| 2015 | $1,389 | +13.9% |
| 2016 | $1,376 | -1.0% |
| 2017 | $1,714 | +24.6% |
| 2018 | $1,692 | -1.3% |
| 2019 | $1,898 | +12.2% |
| 2020 | $1,814 | -4.4% |
| 2021 | $2,743 | +51.2% |
| 2022 | $3,244 | +18.3% |
| 2023 | $4,286 | +32.1% |
| 2024 | $4,025 | -6.1% |
| 2025 | $4,228 | +5.0% |
| 2026 | $5,650 | +33.6% |
Best and worst month-end to buy
The best single month-end close to have bought OBT was 2009-11 ($5.59): $1,000 then is $6,751 today. The worst was 2026-07 ($37.77): $1,000 then is $999.
FAQ
What would $1,000 in OBT be worth today?
A $1,000 investment in Orange County Bancorp, Inc. (OBT) at the start of 2003 would be worth about $5,842 today, a total return of +484.2%. Dividends are reinvested in these figures.
What were the best and worst years for OBT?
Orange County Bancorp, Inc. (OBT)'s strongest calendar year since 2003 was 2021, a +51.2% return — $1,000 held through that year became about $1,512 by year-end. Its weakest year was 2008, at -11.4%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in OBT have grown?
Investing $100 at the end of every month since 2003-10 would have grown to about $112,682 on $27,500 invested.
Did OBT beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $7,336. OBT trailed the S&P 500 by +20.4% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Orange County Bancorp, Inc. (OBT) historical total-return data from 2003-10 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.