Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	29.55	27.88	29.48	24.36	21.29	11.68
Depreciation & Amortization	1.95	1.95	1.97	1.69	1.66	1.56
Other Amortization	0.07	0.07	0.07	0.07	0.07	-
Gain (Loss) on Sale of Assets	-1.24	-	-	-	-	-
Gain (Loss) on Sale of Investments	1.72	1.09	1.13	1.67	2.03	1.53
Provision for Credit Losses	9.46	7.71	7.87	9.52	2.43	5.41
Accrued Interest Receivable	-0.85	-0.75	0.39	0.32	-0.35	-3.09
Change in Other Net Operating Assets	-14.16	-2.12	6.63	-2.31	-0.56	-2.5
Other Operating Activities	-3.13	-0.75	-0.88	-1.91	-1.2	-0.96
Operating Cash Flow	22.96	34.6	44.5	30.48	20.32	11.34
Operating Cash Flow Growth	-40.23%	-22.24%	45.98%	50.02%	79.13%	-17.40%
Capital Expenditures	-2.6	-1.73	-3.54	-1.55	-1.96	-0.69
Sale of Property, Plant and Equipment	2.96	0.42	0.44	-	-	-
Investment in Securities	58.35	40.34	42.28	-145.47	-144.34	-71.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-190.54	-73.26	-179.14	-279.75	-134.04	-259.29
Other Investing Activities	8.73	4.81	-4.96	-7.35	-10.97	0.03
Investing Cash Flow	-123.1	-29.42	-144.92	-434.11	-291.31	-330.96
Short-Term Debt Issued	-	-	93	131.5	-	-
Long-Term Debt Issued	-	-	10	-	-	19.32
Total Debt Issued	-50	-	103	131.5	-	19.32
Short-Term Debt Repaid	-	-111	-	-	-	-5
Long-Term Debt Repaid	-	-	-	-3	-	-
Total Debt Repaid	21	-111	-	-3	-	-5
Net Debt Issued (Repaid)	-29	-111	103	128.5	-	14.32
Issuance of Common Stock	43.69	-	-	-	35.25	-
Repurchase of Common Stock	-0.38	-0.52	-0.45	-0.31	-0.38	-1.16
Common Dividends Paid	-5.68	-5.33	-5.19	-4.67	-4.03	-3.59
Net Increase (Decrease) in Deposit Accounts	77.44	114.61	64.36	60	425.09	406.16
Financing Cash Flow	86.07	-2.23	161.72	183.53	455.93	415.74
Net Cash Flow	-14.07	2.95	61.3	-220.1	184.95	96.12
Free Cash Flow	20.37	32.87	40.96	28.94	18.36	10.65
Free Cash Flow Growth	-45.64%	-19.75%	41.56%	57.61%	72.37%	-10.33%
Free Cash Flow Margin	19.30%	32.86%	43.61%	35.92%	26.18%	19.46%
Free Cash Flow Per Share	1.77	2.91	3.64	2.57	1.85	1.18
Cash Interest Paid	34.82	36.92	27.53	6.12	4.03	4.62
Cash Income Tax Paid	8.79	10.11	7.82	7.26	3.72	3.02

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q