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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	27.3	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 Investments	1.06	1.09	1.13	1.67	2.03	1.53
Provision for Credit Losses	9.55	7.71	7.87	9.52	2.43	5.41
Accrued Interest Receivable	-0.87	-0.75	0.39	0.32	-0.35	-3.09
Change in Other Net Operating Assets	-0.95	-2.12	6.63	-2.31	-0.56	-2.5
Other Operating Activities	-0.76	-0.75	-0.88	-1.91	-1.2	-0.96
Operating Cash Flow	37.19	34.6	44.5	30.48	20.32	11.34
Operating Cash Flow Growth	-3.61%	-22.24%	45.98%	50.02%	79.13%	-17.40%
Capital Expenditures	-1.97	-1.73	-3.54	-1.55	-1.96	-0.69
Sale of Property, Plant and Equipment	0.42	0.42	0.44	-	-	-
Investment in Securities	42.77	40.34	42.28	-145.47	-144.34	-71.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-128.02	-73.26	-179.14	-279.75	-134.04	-259.29
Other Investing Activities	0.19	4.81	-4.96	-7.35	-10.97	0.03
Investing Cash Flow	-86.62	-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	-7.5	-111	-	-3	-	-5
Net Debt Issued (Repaid)	-57.5	-111	103	128.5	-	14.32
Issuance of Common Stock	-	-	-	-	35.25	-
Repurchase of Common Stock	-0.39	-0.52	-0.45	-0.31	-0.38	-1.16
Common Dividends Paid	-5.5	-5.33	-5.19	-4.67	-4.03	-3.59
Net Increase (Decrease) in Deposit Accounts	132.27	114.61	64.36	60	425.09	406.16
Financing Cash Flow	68.88	-2.23	161.72	183.53	455.93	415.74
Net Cash Flow	19.45	2.95	61.3	-220.1	184.95	96.12
Free Cash Flow	35.22	32.87	40.96	28.94	18.36	10.65
Free Cash Flow Growth	-5.16%	-19.75%	41.56%	57.61%	72.37%	-10.33%
Free Cash Flow Margin	34.91%	32.86%	43.61%	35.92%	26.18%	19.46%
Free Cash Flow Per Share	3.11	2.91	3.64	2.57	1.85	1.18
Cash Interest Paid	35.35	36.92	27.53	6.12	4.03	4.62
Cash Income Tax Paid	10.01	10.11	7.82	7.26	3.72	3.02

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

SEC Filings: 10-K · 10-Q