Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	47.39	41.61	27.88	29.48	24.36	21.29
Depreciation & Amortization	1.88	1.83	1.95	1.97	1.69	1.66
Other Amortization	0.09	0.08	0.07	0.07	0.07	0.07
Gain (Loss) on Sale of Assets	-	-1.24	-	-	-	-
Gain (Loss) on Sale of Investments	0.7	1.46	1.09	1.13	1.67	2.03
Provision for Credit Losses	3.98	7.75	7.71	7.87	9.52	2.43
Accrued Interest Receivable	-0.32	-3.7	-0.75	0.39	0.32	-0.35
Change in Other Net Operating Assets	13.73	1.2	-2.12	6.63	-2.31	-0.56
Other Operating Activities	0.19	-3.73	-0.75	-0.88	-1.91	-1.2
Operating Cash Flow	66.78	43.85	34.6	44.5	30.48	20.32
Operating Cash Flow Growth	190.79%	26.72%	-22.24%	45.98%	50.02%	79.13%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-2.1	-2.52	-1.73	-3.54	-1.55	-1.96
Sale of Property, Plant and Equipment	-	2.54	0.42	0.44	-	-
Investment in Securities	27.19	46.01	40.34	42.28	-145.47	-144.34
Net Decrease (Increase) in Loans Originated / Sold - Investing	-64.64	-137.47	-73.26	-179.14	-279.75	-134.04
Other Investing Activities	3.33	17.29	4.81	-4.96	-7.35	-10.97
Investing Cash Flow	-36.22	-74.15	-29.42	-144.92	-434.11	-291.31

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	-	93	131.5	-
Long-Term Debt Issued	-	24.56	-	10	-	-
Total Debt Issued	24.56	24.56	-	103	131.5	-
Short-Term Debt Repaid	-	-113.5	-111	-	-	-
Long-Term Debt Repaid	-	-20	-	-	-3	-
Total Debt Repaid	-41	-133.5	-111	-	-3	-
Net Debt Issued (Repaid)	-16.45	-108.95	-111	103	128.5	-
Issuance of Common Stock	-	43.39	-	-	-	35.25
Repurchase of Common Stock	-0.3	-0.16	-0.52	-0.45	-0.31	-0.38
Common Dividends Paid	-8.96	-7.1	-5.33	-5.19	-4.67	-4.03
Net Increase (Decrease) in Deposit Accounts	154.47	157.01	114.61	64.36	60	425.09
Financing Cash Flow	128.76	84.2	-2.23	161.72	183.53	455.93

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	159.32	53.9	2.95	61.3	-220.1	184.95

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	64.67	41.33	32.87	40.96	28.94	18.36
Free Cash Flow Growth	217.55%	25.74%	-19.75%	41.56%	57.61%	72.37%
Free Cash Flow Margin	52.72%	34.60%	32.86%	43.61%	35.92%	26.18%
Free Cash Flow Per Share	4.84	3.30	2.91	3.64	2.57	1.85

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	27.57	30.54	36.92	27.53	6.12	4.03
Cash Income Tax Paid	10.04	10.36	10.11	7.82	7.26	3.72

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 7, 2026

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