What if you'd held OBT?
A $1,000 investment in Orange County Bancorp, Inc. (OBT) at the month-end close of 1998-12 would be worth $0.07 at the close of 2026-09 — -100.0% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $10,358.
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 2026-09, dividends included.
Every year, $1,000 from 1998
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1998 | $1,000 | — |
| 2000 | $1,000 | 0.0% |
| 2001 | $1,000 | 0.0% |
| 2003 | $0.01 | -100.0% |
| 2004 | $0.01 | +8.7% |
| 2005 | $0.01 | +9.1% |
| 2006 | $0.01 | -9.3% |
| 2007 | $0.01 | +1.1% |
| 2008 | $0.01 | -11.6% |
| 2009 | $0.01 | -7.7% |
| 2010 | $0.01 | +2.7% |
| 2011 | $0.01 | +3.7% |
| 2012 | $0.01 | +9.7% |
| 2013 | $0.01 | +1.9% |
| 2014 | $0.01 | +15.4% |
| 2015 | $0.02 | +17.1% |
| 2016 | $0.02 | +3.4% |
| 2017 | $0.02 | +24.6% |
| 2018 | $0.02 | -1.2% |
| 2019 | $0.02 | +12.2% |
| 2020 | $0.02 | -4.4% |
| 2021 | $0.03 | +51.2% |
| 2022 | $0.04 | +18.3% |
| 2023 | $0.05 | +32.1% |
| 2024 | $0.05 | -6.1% |
| 2025 | $0.05 | +5.0% |
| 2026 | $0.07 | +37.7% |
Best and worst month-end to buy
The best single month-end close to have bought OBT was 2009-11 ($5.17): $1,000 then is $7,489 today. The worst was 1998-12 ($538,392): $1,000 then is $0.07.
FAQ
What would $1,000 in OBT be worth today?
A $1,000 investment in Orange County Bancorp, Inc. (OBT) at the start of 1998 would be worth about $0.07 today, a total return of -100.0%. 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 1998 was 2021, a +51.2% return — $1,000 held through that year became about $1,512 by year-end. Its weakest year was 2003, at -100.0%.
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 1998-12 would have grown to about $122,244 on $28,200 invested.
Did OBT beat the S&P 500?
Over the same period, $1,000 in the S&P 500 with dividends reinvested (the S&P 500 Total Return index) would be worth $10,358. OBT trailed the S&P 500 by +100.0% 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 1998-12 to 2026-09, reduced to month-end closes for the tables above.
Returns use adjusted close prices — adjusted for stock splits and reinvested dividends, the same convention used by major brokerages. End-of-day and live prices come from EODHD; parts of the deep historical series are carried over from Yahoo Finance data. 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 (EODHD): 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 EODHD and Yahoo Finance. As of 2026-09-04. Not financial advice.