Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	27.88	29.48	24.36	21.29
Depreciation & Amortization	1.95	1.97	1.69	1.66
Other Amortization	0.07	0.07	0.07	0.07
Gain (Loss) on Sale of Investments	1.09	1.13	1.67	2.03
Provision for Credit Losses	7.71	7.87	9.52	2.43
Accrued Interest Receivable	-0.75	0.39	0.32	-0.35
Change in Other Net Operating Assets	-2.12	6.63	-2.31	-0.56
Other Operating Activities	-0.75	-0.88	-1.91	-1.2
Operating Cash Flow	34.6	44.5	30.48	20.32
Operating Cash Flow Growth	-22.24%	45.98%	50.02%	79.13%
Capital Expenditures	-1.73	-3.54	-1.55	-1.96
Sale of Property, Plant and Equipment	0.42	0.44	-	-
Investment in Securities	40.34	42.28	-145.47	-144.34
Net Decrease (Increase) in Loans Originated / Sold - Investing	-73.26	-179.14	-279.75	-134.04
Other Investing Activities	4.81	-4.96	-7.35	-10.97
Investing Cash Flow	-29.42	-144.92	-434.11	-291.31
Short-Term Debt Issued	-	93	131.5	-
Long-Term Debt Issued	-	10	-	-
Total Debt Issued	-	103	131.5	-
Short-Term Debt Repaid	-111	-	-	-
Long-Term Debt Repaid	-	-	-3	-
Total Debt Repaid	-111	-	-3	-
Net Debt Issued (Repaid)	-111	103	128.5	-
Issuance of Common Stock	-	-	-	35.25
Repurchase of Common Stock	-0.52	-0.45	-0.31	-0.38
Common Dividends Paid	-5.33	-5.19	-4.67	-4.03
Net Increase (Decrease) in Deposit Accounts	114.61	64.36	60	425.09
Financing Cash Flow	-2.23	161.72	183.53	455.93
Net Cash Flow	2.95	61.3	-220.1	184.95
Free Cash Flow	32.87	40.96	28.94	18.36
Free Cash Flow Growth	-19.75%	41.56%	57.61%	72.37%
Free Cash Flow Margin	32.86%	43.61%	35.92%	26.18%
Free Cash Flow Per Share	2.91	3.64	2.57	1.85
Cash Interest Paid	36.92	27.53	6.12	4.03
Cash Income Tax Paid	10.11	7.82	7.26	3.72

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q