Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	104.06	91.77	88.39	78.09	60.46
Net Interest Income Growth	13.39%	3.82%	13.19%	29.15%	24.05%
Non-Interest Income	19.56	15.97	13.42	12	12.1
Non-Interest Income Growth	22.45%	19.02%	11.86%	-0.88%	5.94%
Revenues Before Loan Losses	123.61	107.74	101.81	90.08	72.56
Provision for Credit Losses	7.75	7.71	7.87	9.52	2.43
Revenue	115.87	100.03	93.94	80.57	70.14
Revenue Growth (YoY)	15.83%	6.48%	16.60%	14.87%	28.10%
Compensation Expenses	38.02	36.41	32.19	28.04	22.97
Selling, General & Admin	24.54	21.36	19.79	18.18	16.89
Other Non-Interest Expenses	5.35	7.44	4.82	4.07	3.6
Total Non-Interest Expense	67.9	65.21	56.79	50.29	43.46
Pretax Income	51.56	34.82	37.15	30.28	26.68
Provision for Income Taxes	9.94	6.94	7.67	5.91	5.39
Net Income	41.61	27.88	29.48	24.36	21.29
Net Income to Common	41.61	27.88	29.48	24.36	21.29
Net Income Growth	49.24%	-5.41%	21.00%	14.45%	82.27%
Shares Outstanding (Basic)	13	11	11	11	10
Shares Outstanding (Diluted)	13	11	11	11	10
Shares Change (YoY)	10.67%	0.46%	0.21%	12.87%	10.32%
EPS (Basic)	3.33	2.47	2.62	2.17	2.14
EPS (Diluted)	3.33	2.47	2.62	2.17	2.14
EPS Growth	34.82%	-5.73%	20.74%	1.40%	65.25%
Free Cash Flow	41.33	32.87	40.96	28.94	18.36
Free Cash Flow Growth	25.74%	-19.75%	41.56%	57.61%	72.37%
Free Cash Flow Per Share	3.30	2.91	-	-	-
Dividends Per Share	0.570	0.470	0.460	0.415	0.400
Dividend Growth	21.28%	2.17%	10.84%	3.75%	-
Profit Margin	38.49%	30.20%	34.25%	30.24%	30.35%
FCF Margin	38.23%	35.61%	47.59%	35.92%	26.18%
EBITDA	1.83	1.95	2.17	1.69	1.66
EBITDA Margin	1.69%	2.11%	2.52%	2.10%	2.37%
Effective Tax Rate	19.28%	19.92%	20.65%	19.53%	20.20%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q