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Orange County Bancorp, Inc. (OBT)
NASDAQ: OBT · Real-Time Price · USD
38.10
-0.35 (-0.91%)
At close: Oct 28, 2026, 4:00 PM EDT
40.00
+1.90 (4.99%)
After-hours: Oct 28, 2026, 7:31 PM EDT

Orange County Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
122.67119.46100.0393.9480.5770.14
Revenue Growth
16.27%19.42%6.48%16.60%14.87%28.10%
Net Income
47.3941.6127.8829.4824.3621.29
Earnings Per Share
3.553.332.472.622.172.14
EPS Growth
38.05%34.86%-5.79%20.83%1.16%65.39%

Revenue by Segment
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Banking (Excl.Wealth Management)
108.92105.3587.7883.671.2760.49
Wealth Management
13.7614.1112.2510.349.39.64
Total
122.67119.46100.0393.9480.5770.14

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
334.93204.23150.33147.3886.08306.18
Total Debt
34.638.9146.79257.24154.9825.41
Net Cash (Debt)
300.32165.333.55-109.86-68.9280.77
Net Cash Growth
140.30%4559.81%---189.51%
Net Cash Per Share
22.4813.220.31-9.76-6.1328.25

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
66.7843.8534.644.530.4820.32
Capital Expenditures
-2.1-2.52-1.73-3.54-1.55-1.96
Free Cash Flow
64.6741.3332.8740.9628.9418.36
Free Cash Flow Growth
217.55%25.74%-19.75%41.56%57.61%72.37%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
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
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.7200.5700.4700.4600.4150.400
Dividend Per Share Growth
39.81%21.28%2.17%10.84%3.75%0%
Dividend Yield
1.89%2.00%1.69%1.53%1.78%1.99%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.749.1711.3111.5510.7910.65
Forward PE
11.069.3710.1311.818.1911.42
P/FCF Ratio
7.909.239.598.319.0812.34
PS Ratio
4.163.203.153.623.263.23