Orange County Bancorp, Inc. (OBT)

NASDAQ: OBT · Real-Time Price · USD

37.14

-0.36 (-0.96%)

Oct 7, 2026, 12:43 PM EDT - Market open

Orange County Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	122.67	119.46	100.03	93.94	80.57	70.14
Revenue Growth	16.27%	19.42%	6.48%	16.60%	14.87%	28.10%
Net Income	47.39	41.61	27.88	29.48	24.36	21.29
Earnings Per Share	3.55	3.33	2.47	2.62	2.17	2.14
EPS Growth	38.05%	34.86%	-5.79%	20.83%	1.16%	65.39%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Banking (Excl.Wealth Management)	108.92	105.35	87.78	83.6	71.27	60.49
Wealth Management	13.76	14.11	12.25	10.34	9.3	9.64
Total	122.67	119.46	100.03	93.94	80.57	70.14

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	334.93	204.23	150.33	147.38	86.08	306.18
Total Debt	34.6	38.9	146.79	257.24	154.98	25.41
Net Cash (Debt)	300.32	165.33	3.55	-109.86	-68.9	280.77
Net Cash Growth	140.30%	4559.81%	-	-	-	189.51%
Net Cash Per Share	22.48	13.22	0.31	-9.76	-6.13	28.25

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	66.78	43.85	34.6	44.5	30.48	20.32
Capital Expenditures	-2.1	-2.52	-1.73	-3.54	-1.55	-1.96
Free Cash Flow	64.67	41.33	32.87	40.96	28.94	18.36
Free Cash Flow Growth	217.55%	25.74%	-19.75%	41.56%	57.61%	72.37%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	38.63%	34.84%	27.88%	31.38%	30.24%	30.35%
FCF Margin	52.72%	34.60%	32.86%	43.61%	35.92%	26.18%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 7, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.720	0.570	0.470	0.460	0.415	0.400
Dividend Per Share Growth	39.81%	21.28%	2.17%	10.84%	3.75%	0%
Dividend Yield	1.95%	2.03%	1.76%	1.61%	1.92%	2.19%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 7, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	10.43	9.17	11.31	11.55	10.79	10.65
Forward PE	10.74	9.37	10.13	11.81	8.19	11.42
P/FCF Ratio	7.77	9.23	9.59	8.31	9.08	12.34
PS Ratio	4.10	3.20	3.15	3.62	3.26	3.23