Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	127.28	115.87	100.03	93.94	80.57	70.14
Revenue Growth	21.21%	15.83%	6.48%	16.60%	14.87%	28.10%
Net Income Net Income Growth	47.39	41.61	27.88	29.48	24.36	21.29
Earnings Per Share EPS Growth	3.55	3.33	2.47	2.62	2.17	2.14
EPS Growth	39.22%	34.82%	-5.73%	20.74%	1.40%	65.25%

Revenue by Segment

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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
Banking (Excl.Wealth Management) Banking (Excl.Wealth Management) Growth	105.35	87.78	83.6	71.27	60.49
Wealth Management Wealth Management Growth	14.11	12.25	10.34	9.3	9.64
Total Total Growth	119.46	100.03	93.94	80.57	70.14

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents Cash Growth	334.93	204.23	150.33	147.38	86.08	306.18
Total Debt Total Debt Growth	34.6	34.56	29.59	29.52	19.45	19.38
Net Cash (Debt) Net Cash Growth	-34.6	-34.56	-29.59	-29.52	-19.45	-19.38
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-2.59	-2.76	-2.62	-2.62	-1.73	-1.95

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	49.24	43.85	34.6	44.5	30.48	20.32
Capital Expenditures CapEx Growth	-2.59	-2.52	-1.73	-3.54	-1.55	-1.96
Free Cash Flow Free Cash Flow Growth	46.66	41.33	32.87	40.96	28.94	18.36
Free Cash Flow Growth	32.49%	25.74%	-19.75%	41.56%	57.61%	72.37%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Pretax Margin	41.51%	44.50%	34.81%	39.54%	37.58%	38.04%
Profit Margin	37.24%	35.92%	27.88%	31.38%	30.24%	30.35%
FCF Margin	0.00%	35.67%	32.86%	43.61%	35.92%	26.18%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.720	0.570	0.470	0.460	0.415	0.400
Dividend Per Share Growth	34.00%	21.28%	2.17%	10.84%	3.75%	0%
Dividend Yield	1.89%	1.99%	1.70%	1.53%	1.79%	2.02%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	10.65	8.57	11.25	11.50	10.73	9.39
Forward PE	10.68	9.37	10.13	11.81	8.19	11.42
P/FCF Ratio	10.85	9.23	9.60	8.31	9.08	12.34
PS Ratio	4.13	3.29	3.15	3.62	3.26	3.23

Data Sources: Fiscal.ai and S&P Global Market Intelligence Last updated: Jul 28, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company. Revenue segment data is provided by S&P Global Market Intelligence.

Update frequency:

Quarterly

Last checked:

Jul 31, 2026

Data Sources Report a data error