Orange County Bancorp, Inc. (OBT) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OBT SEC filings page.
Orange County Bancorp, Inc. (OBT) reported $126.7M in revenue over the twelve months to Jun 30, 2026, up 10.2% from the prior twelve months. This page shows its 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).
The bank’s 2025 earnings recovery came with stronger capital, while cash generation remained close to accounting profit.
Net income rose from$27.9M in FY2024 to$41.6M in FY2025. Operating cash flow of$43.8M and free cash flow of$41.3M stayed close to that profit, indicating earnings were converting into cash rather than being mostly accrual-driven.
Equity expanded to
Total assets reached
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Orange County Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Orange County Bancorp, Inc. earned a return on assets of 1.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.1% the prior year. Earnings ranks banks on that return over three years, and Orange County Bancorp, Inc. scores 81/100 among other banks.
Orange County Bancorp, Inc. reported revenue of $127.2M in fiscal year 2025, against $107.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Orange County Bancorp, Inc. scores 64/100 among other banks.
Orange County Bancorp, Inc. funded 10.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $284.4M of equity against $2.7B of assets. Capital ranks banks on that cushion, and Orange County Bancorp, Inc. scores 39/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Orange County Bancorp, Inc. scores 78/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Orange County Bancorp, Inc. scores 28/100 on it among other banks.
Orange County Bancorp, Inc. reported net income of $41.6M in fiscal year 2025, against $27.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Orange County Bancorp, Inc. scores 52/100 among other banks.
Orange County Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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.
For every $1 of reported earnings, Orange County 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
Earnings & Revenue
Orange County Bancorp, Inc. generated $27.8M in revenue in Q2 2026. This represents a decrease of 14.3% from the same quarter a year earlier. Against the prior quarter it is down 13.3%.
Orange County Bancorp, Inc. reported $13.7M in net income in Q2 2026. This represents an increase of 30.6% from the same quarter a year earlier. Against the prior quarter it is up 21.0%.
Orange County Bancorp, Inc. earned $1.02 per diluted share (EPS) in Q2 2026. This represents an increase of 17.2% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
Orange County Bancorp, Inc. generated $12.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 317.0% from the same quarter a year earlier. Against the prior quarter it is up 27.6%.
Orange County Bancorp, Inc. held $334.9M in cash as of Q2 2026; long-term debt is not reported for that period.
Orange County Bancorp, Inc. paid $0.18 per share in dividends in Q2 2026. This represents an increase of 38.5% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Orange County Bancorp, Inc.'s net profit margin was 49.1% in Q2 2026, showing the share of revenue converted to profit. This is up 16.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 13.9 percentage points.
Orange County Bancorp, Inc.'s ROE was 4.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Orange County Bancorp, Inc. invested $250K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 65.9% from the same quarter a year earlier. Against the prior quarter it is down 55.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
OBT Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $27.8M-14.3% | $32.1M+14.6% | $33.0M+20.6% | $33.7M+24.3% | $32.5M+16.2% | $28.0M+10.7% | $27.4M+5.8% | $27.1M+5.5% |
| SG&A Expenses | $7.5M+10.3% | $7.4M+7.3% | $7.3M+1.7% | $7.4M+10.3% | $6.8M-0.9% | $6.9M+2.5% | $7.2M+16.9% | $6.7M+9.0% |
| Interest Expense | $6.1M-24.2% | $6.5M-21.3% | $7.0M-23.5% | $7.6M-10.5% | $8.1M-3.7% | $8.3M-12.6% | $9.1M-3.1% | $8.5M+11.5% |
| Income Tax | -$2.1M-167.1% | $3.3M+27.9% | $1.2M-31.8% | $3.0M+280.6% | $3.1M+55.2% | $2.6M+11.0% | $1.8M-30.0% | $788K-65.1% |
| Net Income | $13.7M+30.6% | $11.3M+29.6% | $12.4M+73.5% | $10.0M+211.5% | $10.5M+27.4% | $8.7M-6.3% | $7.2M-11.8% | $3.2M-64.4% |
| EPS (Basic) | $1.02+17.2% | $0.85+10.4% | $0.94+178.3% | $0.75+167.9% | $0.87+19.2% | $0.77-6.1% | -$1.20-2.6% | $0.28-82.6% |
| EPS (Diluted) | $1.02+17.2% | $0.85+10.4% | $0.94+178.3% | $0.75 | $0.87 | $0.77 | -$1.20 | $0.28 |
| Diluted Shares (Avg) | 13M+11.6% | 13M+17.8% | N/A | 13M | 12M | 11M | N/A | 11M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
OBT Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.8B+7.4% | $2.7B+5.7% | $2.7B+6.0% | $2.6B+4.7% | $2.6B+5.0% | $2.6B+4.4% | $2.5B+1.0% | $2.5B+2.9% |
| Cash & Equivalents | $334.9M+90.7% | $257.5M+56.9% | $204.2M+35.9% | $189.9M+18.0% | $175.6M-7.4% | $164.2M+13.4% | $150.3M+2.0% | $160.9M+1.4% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $5.4M0.0% | $5.4M0.0% | $5.4M0.0% | $5.4M0.0% | $5.4M0.0% | $5.4M0.0% | $5.4M0.0% | $5.4M0.0% |
| Total Liabilities | $2.5B+6.0% | $2.4B+2.3% | $2.4B+2.2% | $2.4B+1.7% | $2.4B+2.2% | $2.4B+3.3% | $2.3B+0.2% | $2.3B+1.0% |
| Total Equity | $306.6M+21.4% | $291.7M+44.9% | $284.4M+53.3% | $270.1M+39.9% | $252.6M+42.3% | $201.3M+19.4% | $185.5M+12.2% | $193.1M+34.2% |
| Retained Earnings | $184.6M+26.3% | $173.3M+26.4% | $164.4M+26.6% | $154.4M+24.3% | $146.1M+19.5% | $137.1M+18.9% | $129.9M+21.0% | $124.2M+23.5% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
OBT Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.6M+354.2% | $10.2M+111.5% | $13.8M+7.3% | $30.2M+194.7% | -$5.0M-153.4% | $4.8M+114.7% | $12.8M-19.9% | $10.2M-5.8% |
| Depreciation & Amortization | $499K+8.0% | $480K+2.6% | $452K-17.4% | $447K-4.9% | $462K-0.6% | $468K+0.6% | $547K+17.4% | $470K-0.6% |
| Stock-Based Compensation | N/A | $1.2M+25.4% | N/A | N/A | N/A | $990K+74.3% | N/A | N/A |
| Capital Expenditures | $250K-65.9% | $563K+14.0% | $695K-35.6% | $594K+104.8% | $733K+578.7% | $494K+96.0% | $1.1M+124.5% | $290K+152.2% |
| Free Cash Flow | $12.3M+317.0% | $9.7M+122.6% | $13.1M+11.2% | $29.6M+197.3% | -$5.7M-162.0% | $4.3M+117.0% | $11.7M-24.4% | $10.0M-7.5% |
| Investing Cash Flow | -$14.3M+33.2% | $6.1M+124.8% | -$5.4M+67.8% | -$22.7M+62.3% | -$21.3M-241.0% | -$24.7M-176.0% | -$16.8M+56.2% | -$60.3M-520.5% |
| Financing Cash Flow | $79.1M+109.5% | $36.9M+9.6% | $6.0M+190.5% | $6.8M-68.1% | $37.7M+83.7% | $33.7M+190.1% | -$6.6M-160.7% | $21.2M+147.1% |
| Dividends Paid | $2.4M+63.0% | $2.4M+63.2% | $2.4M+69.5% | $1.7M+33.4% | $1.5M+13.7% | $1.5M+13.5% | $1.4M+9.2% | $1.3M+0.5% |
Not reported in any period shown, so not listed: Share Buybacks.
OBT Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 49.1%+16.9pp | 35.2%+4.1pp | 37.6%+11.5pp | 29.7%+17.8pp | 32.2%+2.8pp | 31.1%-5.6pp | 26.2%-5.2pp | 11.8%-23.3pp |
| Return on Equity | 4.5%+0.3pp | 3.9%-0.5pp | 4.4%+0.5pp | 3.7%+2.0pp | 4.1%-0.5pp | 4.3%-1.2pp | 3.9%-1.0pp | 1.7%-4.6pp |
| Return on Assets | 0.5%+0.1pp | 0.4%+0.1pp | 0.5%+0.2pp | 0.4%+0.3pp | 0.4%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.1%-0.2pp |
| Debt-to-Equity | 8.13-1.2x | 8.28-3.4x | 8.35-4.2x | 8.76-3.3x | 9.32-3.7x | 11.72-1.8x | 12.53-1.5x | 12.05-4.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 44.3%+61.9pp | 30.1%+14.6pp | 39.6%-3.3pp | 87.8%+51.1pp | -17.5%-50.3pp | 15.5%+7.6pp | 42.9%-17.1pp | 36.7%-5.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Orange County Bancorp, Inc. OBT | FY2025 | $127.2M | $41.6M | 32.7% | $503.9M | 57/100 |
| Bankwell Financial Group Inc BWFG | FY2025 | $108.3M | $35.2M | 32.5% | $531.3M | 37/100 |
| Blue Ridge Bankshares, Inc. BRBS | FY2025 | $91.7M | $10.7M | 11.7% | $352.5M | 24/100 |
| Farmers & Merchants Bancorp, Inc. FMAO | FY2025 | $121.4M | $33.3M | 27.4% | $488.8M | 44/100 |
| RBB Bancorp RBB | FY2025 | $129.2M | $31.9M | 24.7% | $443.0M | 44/100 |
| Greene County Bancorp Inc GCBC | FY2026 | $92.6M | $41.0M | 44.3% | $583.3M | 65/100 |
Where Orange County Bancorp, Inc. Ranks
Frequently Asked Questions
What is Orange County Bancorp, Inc.'s annual revenue?
Orange County Bancorp, Inc. (OBT) reported $127.2M in total revenue for fiscal year 2025. This represents a 18.1% 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 County Bancorp, Inc.'s revenue growing?
Orange County Bancorp, Inc. (OBT) revenue grew by 18.1% year-over-year, from $107.7M to $127.2M in fiscal year 2025.
Is Orange County Bancorp, Inc. profitable?
Yes, Orange County Bancorp, Inc. (OBT) reported a net income of $41.6M in fiscal year 2025, with a net profit margin of 32.7%.
What is Orange County Bancorp, Inc.'s net profit margin?
Orange County Bancorp, Inc. (OBT) had a net profit margin of 32.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Orange County Bancorp, Inc. pay dividends?
Yes, Orange County Bancorp, Inc. (OBT) paid $0.57 per share in dividends during fiscal year 2025.
What is Orange County Bancorp, Inc.'s return on equity (ROE)?
Orange County 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 County Bancorp, Inc.'s free cash flow?
Orange County 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 County Bancorp, Inc.'s operating cash flow?
Orange County Bancorp, Inc. (OBT) generated $43.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Orange County Bancorp, Inc.'s total assets?
Orange County Bancorp, Inc. (OBT) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Orange County Bancorp, Inc.'s capital expenditures?
Orange County Bancorp, Inc. (OBT) invested $2.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Orange County Bancorp, Inc.'s debt-to-equity ratio?
Orange County 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 County Bancorp, Inc.'s return on assets (ROA)?
Orange County 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 County Bancorp, Inc.'s P/E ratio?
Orange County Bancorp, Inc. (OBT) trades at 10.6x earnings, its market capitalization divided by net income of $47.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $503.9M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Orange County Bancorp, Inc.'s price-to-sales ratio?
Orange County Bancorp, Inc. (OBT) trades at 4.0x sales, its market capitalization divided by revenue of $126.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $503.9M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Orange County Bancorp, Inc.'s Piotroski F-Score?
Orange County Bancorp, Inc. (OBT) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Orange County Bancorp, Inc.'s earnings high quality?
Orange County 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 County Bancorp, Inc.?
Orange County Bancorp, Inc. (OBT) scores 57 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.