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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	36.35	27.88	29.48	24.36	21.29	11.68
Depreciation & Amortization	1.92	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	1.51	1.09	1.13	1.67	2.03	1.53
Provision for Credit Losses	6.14	7.71	7.87	9.52	2.43	5.41
Accrued Interest Receivable	-0.51	-0.75	0.39	0.32	-0.35	-3.09
Change in Other Net Operating Assets	3.85	-2.12	6.63	-2.31	-0.56	-2.5
Other Operating Activities	-3.97	-0.75	-0.88	-1.91	-1.2	-0.96
Operating Cash Flow	42.92	34.6	44.5	30.48	20.32	11.34
Operating Cash Flow Growth	13.57%	-22.24%	45.98%	50.02%	79.13%	-17.40%
Capital Expenditures	-2.9	-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	44.66	40.34	42.28	-145.47	-144.34	-71.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-145.07	-73.26	-179.14	-279.75	-134.04	-259.29
Other Investing Activities	14.84	4.81	-4.96	-7.35	-10.97	0.03
Investing Cash Flow	-85.51	-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	-25	-	103	131.5	-	19.32
Short-Term Debt Repaid	-	-111	-	-	-	-5
Long-Term Debt Repaid	-	-	-	-3	-	-
Total Debt Repaid	-79.5	-111	-	-3	-	-5
Net Debt Issued (Repaid)	-104.5	-111	103	128.5	-	14.32
Issuance of Common Stock	43.56	-	-	-	35.25	-
Repurchase of Common Stock	-0.19	-0.52	-0.45	-0.31	-0.38	-1.16
Common Dividends Paid	-6.11	-5.33	-5.19	-4.67	-4.03	-3.59
Net Increase (Decrease) in Deposit Accounts	138.85	114.61	64.36	60	425.09	406.16
Financing Cash Flow	71.61	-2.23	161.72	183.53	455.93	415.74
Net Cash Flow	29.01	2.95	61.3	-220.1	184.95	96.12
Free Cash Flow	40.01	32.87	40.96	28.94	18.36	10.65
Free Cash Flow Growth	9.16%	-19.75%	41.56%	57.61%	72.37%	-10.33%
Free Cash Flow Margin	34.67%	32.86%	43.61%	35.92%	26.18%	19.46%
Free Cash Flow Per Share	3.33	2.91	3.64	2.57	1.85	1.18
Cash Interest Paid	34.2	36.92	27.53	6.12	4.03	4.62
Cash Income Tax Paid	8.2	10.11	7.82	7.26	3.72	3.02

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

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