What is Orange Cnty Bancorp Inc's earnings per share (EPS)?

Orange Cnty Bancorp Inc (OBT) reported diluted earnings per share of $3.33 for fiscal year 2025. This represents a 34.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Orange Cnty Bancorp Inc Financials

OBT

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Orange Cnty Bancorp Inc (OBT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 47/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Orange Cnty Bancorp Inc's revenue grew 6.1% year-over-year to $135.0M, a solid pace of expansion. This earns a growth score of 43/100.

Leverage

Orange Cnty Bancorp Inc has elevated debt relative to equity (D/E of 8.35), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Orange Cnty Bancorp Inc converts 30.6% of revenue into free cash flow ($41.3M). This strong cash generation earns a score of 100/100.

Returns

Orange Cnty Bancorp Inc's ROE of 14.6% shows moderate profitability relative to equity, earning a score of 44/100. This is down from 15.0% the prior year.

Piotroski F-Score Neutral

5/9

Orange Cnty Bancorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.05x

For every $1 of reported earnings, Orange Cnty Bancorp Inc generates $1.05 in operating cash flow ($43.8M OCF vs $41.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$135.0M

YoY+6.1%

5Y CAGR+20.4%

Orange Cnty Bancorp Inc generated $135.0M in revenue in fiscal year 2025. This represents an increase of 6.1% from the prior year.

EBITDA

N/A

Net Income

$41.6M

YoY+49.2%

5Y CAGR+28.9%

Orange Cnty Bancorp Inc reported $41.6M in net income in fiscal year 2025. This represents an increase of 49.2% from the prior year.

EPS (Diluted)

$3.33

YoY+34.8%

5Y CAGR+5.2%

Orange Cnty Bancorp Inc earned $3.33 per diluted share (EPS) in fiscal year 2025. This represents an increase of 34.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$41.3M

YoY+25.7%

5Y CAGR+31.2%

Orange Cnty Bancorp Inc generated $41.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 25.7% from the prior year.

Cash & Debt

$204.2M

YoY+35.9%

5Y CAGR+11.0%

Orange Cnty Bancorp Inc held $204.2M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.57

YoY+21.3%

5Y CAGR-6.6%

Orange Cnty Bancorp Inc paid $0.57 per share in dividends in fiscal year 2025. This represents an increase of 21.3% from the prior year.

Shares Outstanding

13M

YoY+17.8%

5Y CAGR+24.4%

Orange Cnty Bancorp Inc had 13M shares outstanding in fiscal year 2025. This represents an increase of 17.8% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

30.8%

YoY+8.9pp

5Y CAGR+9.0pp

Orange Cnty Bancorp Inc's net profit margin was 30.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.9 percentage points from the prior year.

Return on Equity

14.6%

YoY-0.4pp

5Y CAGR+6.0pp

Orange Cnty Bancorp Inc's ROE was 14.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$2.5M

YoY+45.4%

5Y CAGR+29.5%

Orange Cnty Bancorp Inc invested $2.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 45.4% from the prior year.

OBT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$135.0M+6.1%	$127.2M+8.0%	$117.8M+39.8%	$84.2M+30.7%	$64.4M+20.5%	$53.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$30.9M-12.8%	$35.5M+20.7%	$29.4M+378.9%	$6.1M+54.6%	$4.0M-16.0%	$4.7M
Income Tax	$9.9M+43.4%	$6.9M-9.6%	$7.7M+29.7%	$5.9M+9.7%	$5.4M+89.9%	$2.8M
Net Income	$41.6M+49.2%	$27.9M-5.4%	$29.5M+21.0%	$24.4M+14.5%	$21.3M+82.3%	$11.7M
EPS (Diluted)	$3.33+34.8%	$2.47-5.7%	$2.62-39.5%	$4.33+1.2%	$4.28+65.3%	$2.59

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$35.3M+2.3%	$34.5M+3.9%	$33.2M+4.1%	$31.9M-0.9%	$32.2M+2.4%	$31.4M-3.3%	$32.5M+4.6%	$31.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$7.0M-7.9%	$7.6M-6.2%	$8.1M-2.4%	$8.3M-9.3%	$9.1M+7.8%	$8.5M+0.9%	$8.4M-11.4%	$9.5M
Income Tax	$1.2M-59.0%	$3.0M-4.1%	$3.1M+21.1%	$2.6M+43.2%	$1.8M+128.9%	$788K-60.9%	$2.0M-13.4%	$2.3M
Net Income	$12.4M+24.1%	$10.0M-4.2%	$10.5M+20.2%	$8.7M+21.5%	$7.2M+122.8%	$3.2M-60.8%	$8.2M-11.6%	$9.3M
EPS (Diluted)	N/A	$0.75-13.8%	$0.87+13.0%	$0.77	N/A	$0.28-61.6%	$0.73-11.0%	$0.82

OBT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.7B+6.0%	$2.5B+1.0%	$2.5B+8.7%	$2.3B+6.8%	$2.1B+28.7%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$204.2M+35.9%	$150.3M+2.0%	$147.4M+71.2%	$86.1M-71.9%	$306.2M+152.6%	$121.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M
Total Liabilities	$2.4B+2.2%	$2.3B+0.2%	$2.3B+8.0%	$2.1B+9.7%	$2.0B+28.1%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$284.4M+53.3%	$185.5M+12.2%	$165.4M+19.7%	$138.1M-24.4%	$182.8M+35.0%	$135.4M
Retained Earnings	$164.4M+26.6%	$129.9M+21.0%	$107.4M+26.9%	$84.6M+30.3%	$64.9M+36.2%	$47.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.7B+0.9%	$2.6B+1.2%	$2.6B+1.8%	$2.6B+2.0%	$2.5B-0.4%	$2.5B+1.5%	$2.5B+1.2%	$2.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$204.2M+7.6%	$189.9M+8.1%	$175.6M+7.0%	$164.2M+9.2%	$150.3M-6.6%	$160.9M-15.2%	$189.7M+31.1%	$144.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M
Total Liabilities	$2.4B+0.4%	$2.4B+0.5%	$2.4B-0.2%	$2.4B+1.5%	$2.3B-0.1%	$2.3B+1.0%	$2.3B+0.9%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$284.4M+5.3%	$270.1M+6.9%	$252.6M+25.5%	$201.3M+8.5%	$185.5M-3.9%	$193.1M+8.8%	$177.5M+5.3%	$168.7M
Retained Earnings	$164.4M+6.5%	$154.4M+5.7%	$146.1M+6.5%	$137.1M+5.6%	$129.9M+4.6%	$124.2M+1.6%	$122.3M+6.0%	$115.4M

OBT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$43.8M+26.7%	$34.6M-22.2%	$44.5M+46.0%	$30.5M+50.0%	$20.3M+79.1%	$11.3M
Capital Expenditures	$2.5M+45.4%	$1.7M-51.1%	$3.5M+128.9%	$1.5M-21.1%	$2.0M+183.1%	$692K
Free Cash Flow	$41.3M+25.7%	$32.9M-19.8%	$41.0M+41.6%	$28.9M+57.6%	$18.4M+72.4%	$10.7M
Investing Cash Flow	-$74.2M-152.1%	-$29.4M+79.7%	-$144.9M+66.6%	-$434.1M-49.0%	-$291.3M+12.0%	-$331.0M
Financing Cash Flow	$84.2M+3870.8%	-$2.2M-101.4%	$161.7M-11.9%	$183.5M-59.7%	$455.9M+9.7%	$415.7M
Dividends Paid	$7.1M+33.3%	$5.3M+2.6%	$5.2M+11.2%	$4.7M+15.9%	$4.0M+12.4%	$3.6M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$13.8M-54.4%	$30.2M+710.0%	-$5.0M-202.4%	$4.8M-62.3%	$12.8M+25.2%	$10.2M+10.5%	$9.3M+311.6%	$2.3M
Capital Expenditures	$695K+17.0%	$594K-19.0%	$733K+48.4%	$494K-54.3%	$1.1M+272.4%	$290K+168.5%	$108K-57.1%	$252K
Free Cash Flow	$13.1M-55.9%	$29.6M+620.9%	-$5.7M-230.9%	$4.3M-63.0%	$11.7M+18.0%	$10.0M+8.7%	$9.2M+358.0%	$2.0M
Investing Cash Flow	-$5.4M+76.3%	-$22.7M-6.4%	-$21.3M+13.6%	-$24.7M-47.5%	-$16.8M+72.2%	-$60.3M-498.3%	$15.1M-53.4%	$32.5M
Financing Cash Flow	$6.0M-11.8%	$6.8M-82.0%	$37.7M+11.9%	$33.7M+609.8%	-$6.6M-131.1%	$21.2M+3.4%	$20.5M+154.9%	-$37.4M
Dividends Paid	$2.4M+38.3%	$1.7M+17.5%	$1.5M+0.3%	$1.5M+3.9%	$1.4M+8.8%	$1.3M+0.2%	$1.3M+0.2%	$1.3M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

OBT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	30.8%+8.9pp	21.9%-3.1pp	25.0%-3.9pp	28.9%-4.1pp	33.0%+11.2pp	21.9%
Return on Equity	14.6%-0.4pp	15.0%-2.8pp	17.8%+0.2pp	17.6%+6.0pp	11.6%+3.0pp	8.6%
Return on Assets	1.6%+0.4pp	1.1%-0.1pp	1.2%+0.1pp	1.1%+0.1pp	1.0%+0.3pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.35-4.2	12.53-1.5	14.03-1.5	15.56+4.8	10.72-0.6	11.29
FCF Margin	30.6%+4.8pp	25.8%-8.9pp	34.8%+0.4pp	34.4%+5.9pp	28.5%+8.6pp	19.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	35.2%+6.2pp	29.0%-2.5pp	31.5%+4.2pp	27.3%+5.0pp	22.2%+12.0pp	10.2%-15.0pp	25.3%-4.6pp	29.9%
Return on Equity	4.4%+0.7pp	3.7%-0.4pp	4.1%-0.2pp	4.3%+0.5pp	3.9%+2.2pp	1.7%-3.0pp	4.6%-0.9pp	5.5%
Return on Assets	0.5%+0.1pp	0.4%-0.0pp	0.4%+0.1pp	0.3%+0.1pp	0.3%+0.2pp	0.1%-0.2pp	0.3%-0.1pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.35-0.4	8.76-0.6	9.32-2.4	11.72-0.8	12.53+0.5	12.05-0.9	12.97-0.6	13.54
FCF Margin	37.0%-48.8pp	85.8%+102.9pp	-17.1%-30.7pp	13.6%-22.9pp	36.5%+4.8pp	31.7%+3.5pp	28.2%+21.7pp	6.4%

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Frequently Asked Questions

What is Orange Cnty Bancorp Inc's annual revenue?

Orange Cnty Bancorp Inc (OBT) reported $135.0M in total revenue for fiscal year 2025. This represents a 6.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Orange Cnty Bancorp Inc's revenue growing?

Orange Cnty Bancorp Inc (OBT) revenue grew by 6.1% year-over-year, from $127.2M to $135.0M in fiscal year 2025.

Is Orange Cnty Bancorp Inc profitable?

Yes, Orange Cnty Bancorp Inc (OBT) reported a net income of $41.6M in fiscal year 2025, with a net profit margin of 30.8%.

What is Orange Cnty Bancorp Inc's net profit margin?

Orange Cnty Bancorp Inc (OBT) had a net profit margin of 30.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Orange Cnty Bancorp Inc pay dividends?

Yes, Orange Cnty Bancorp Inc (OBT) paid $0.57 per share in dividends during fiscal year 2025.

What is Orange Cnty Bancorp Inc's return on equity (ROE)?

Orange Cnty Bancorp Inc (OBT) has a return on equity of 14.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Orange Cnty Bancorp Inc's free cash flow?

Orange Cnty Bancorp Inc (OBT) generated $41.3M in free cash flow during fiscal year 2025. This represents a 25.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Orange Cnty Bancorp Inc's operating cash flow?

Orange Cnty Bancorp Inc (OBT) generated $43.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Orange Cnty Bancorp Inc's total assets?

Orange Cnty Bancorp Inc (OBT) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Orange Cnty Bancorp Inc's capital expenditures?

Orange Cnty Bancorp Inc (OBT) invested $2.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Orange Cnty Bancorp Inc have outstanding?

Orange Cnty Bancorp Inc (OBT) had 13M shares outstanding as of fiscal year 2025.

What is Orange Cnty Bancorp Inc's debt-to-equity ratio?

Orange Cnty Bancorp Inc (OBT) had a debt-to-equity ratio of 8.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Orange Cnty Bancorp Inc's return on assets (ROA)?

Orange Cnty Bancorp Inc (OBT) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Orange Cnty Bancorp Inc's Piotroski F-Score?

Orange Cnty Bancorp Inc (OBT) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Orange Cnty Bancorp Inc's earnings high quality?

Orange Cnty Bancorp Inc (OBT) has an earnings quality ratio of 1.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Orange Cnty Bancorp Inc?

Orange Cnty Bancorp Inc (OBT) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.