Orange County Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	111.61	104.06	91.77	88.39	78.09	60.46
Net Interest Income Growth	17.72%	13.39%	3.82%	13.19%	29.15%	24.05%
Non-Interest Income	19.65	19.56	15.97	13.42	12	12.1
Non-Interest Income Growth	0.03%	22.45%	19.02%	11.86%	-0.88%	5.94%
Revenues Before Loan Losses	131.26	123.61	107.74	101.81	90.08	72.56
Provision for Credit Losses	3.98	7.75	7.71	7.87	9.52	2.43
Revenue	127.28	115.87	100.03	93.94	80.57	70.14
Revenue Growth	21.21%	15.83%	6.48%	16.60%	14.87%	28.10%
Compensation Expenses	40.54	38.02	36.41	32.19	28.04	22.97
Selling, General & Admin	25.14	24.54	21.36	19.79	18.18	16.89
Other Non-Interest Expenses	4.16	5.35	7.44	4.82	4.07	3.6
Total Non-Interest Expense	69.84	67.9	65.21	56.79	50.29	43.46
Pretax Income	52.83	51.56	34.82	37.15	30.28	26.68
Provision for Income Taxes	5.44	9.94	6.94	7.67	5.91	5.39
Net Income	47.39	41.61	27.88	29.48	24.36	21.29
Net Income to Common	47.39	41.61	27.88	29.48	24.36	21.29
Net Income Growth	60.41%	49.24%	-5.41%	21.00%	14.45%	82.27%
Shares Outstanding (Basic)	13	13	11	11	11	10
Shares Outstanding (Diluted)	13	13	11	11	11	10
Shares Change	16.22%	10.67%	0.46%	0.21%	12.87%	10.32%
EPS (Basic)	3.55	3.33	2.47	2.62	2.17	2.14
EPS (Diluted)	3.55	3.33	2.47	2.62	2.17	2.14
EPS Growth	39.22%	34.82%	-5.73%	20.74%	1.40%	65.25%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Free Cash Flow	-	41.33	32.87	40.96	28.94	18.36
Free Cash Flow Growth	-	25.74%	-19.75%	41.56%	57.61%	72.37%
Free Cash Flow Per Share	-	3.30	2.91	3.64	2.58	1.85
Dividends Per Share	0.310	0.570	0.470	0.460	0.415	0.400
Dividend Growth	-38.00%	21.28%	2.17%	10.84%	3.75%	0%
Profit Margin	37.24%	35.92%	27.88%	31.38%	30.24%	30.35%
FCF Margin	-	35.67%	32.86%	43.61%	35.92%	26.18%
Effective Tax Rate	10.29%	19.28%	19.92%	20.65%	19.53%	20.20%

SEC Filings: 10-K · 10-Q