Orange County Bancorp (OBT) Financials

$37.65 0.00 (0.00%)

Closing price 07/2/2026 04:00 PM Eastern

Extended Trading

$37.63 -0.02 (-0.05%)

As of 07/2/2026 05:39 PM Eastern

Annual Income Statements for Orange County Bancorp

This table shows Orange County Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	12	21	24	29	28	42
Consolidated Net Income / (Loss)	12	21	24	29	28	42
Net Income / (Loss) Continuing Operations	12	21	24	29	28	42
Total Pre-Tax Income	15	27	30	37	35	52
Total Revenue	60	73	90	102	108	127
Net Interest Income / (Expense)	49	60	78	88	92	104
Total Interest Income	53	64	84	118	127	135
Loans and Leases Interest Income	48	58	69	96	106	116
Investment Securities Interest Income	5.65	6.53	12	15	14	13
Federal Funds Sold and Securities Borrowed Interest Income	0.29	0.37	2.74	6.50	7.22	6.42
Total Interest Expense	4.72	3.97	6.14	29	35	31
Deposits Interest Expense	4.31	2.88	4.46	20	28	27
Short-Term Borrowings Interest Expense	0.01	0.00	0.60	8.94	6.67	2.19
Long-Term Debt Interest Expense	0.41	1.09	1.08	0.92	0.92	1.51
Total Non-Interest Income	11	12	12	13	16	23
Trust Fees by Commissions	4.07	4.79	4.76	5.10	5.51	6.55
Service Charges on Deposit Accounts	0.68	0.64	0.69	0.81	1.02	1.36
Other Service Charges	1.06	1.03	1.05	1.18	1.89	2.54
Net Realized & Unrealized Capital Gains on Investments	0.80	-	0.00	0.11	0.00	0.67
Investment Banking Income	4.11	4.85	4.54	5.24	6.74	7.55
Other Non-Interest Income	0.70	0.79	0.95	0.98	0.82	4.47
Provision for Credit Losses	5.41	2.43	9.52	7.87	7.71	7.75
Total Non-Interest Expense	40	43	50	57	65	68
Salaries and Employee Benefits	22	23	28	32	36	38
Net Occupancy & Equipment Expense	7.78	9.23	9.27	9.81	11	13
Marketing Expense	1.19	1.22	1.60	1.66	1.58	1.97
Other Operating Expenses	9.02	9.76	11	13	16	15
Amortization Expense	0.29	0.29	0.29	0.29	0.29	0.29
Income Tax Expense	2.84	5.39	5.91	7.67	6.94	9.94
Basic Earnings per Share	$2.59	$4.28	$4.33	$2.62	$2.47	$3.33
Weighted Average Basic Shares Outstanding	4.51M	4.97M	5.62M	11.26M	11.30M	12.51M
Diluted Earnings per Share	$2.59	$4.28	$4.33	$2.62	$2.47	$3.33
Weighted Average Diluted Shares Outstanding	4.51M	4.97M	5.62M	11.26M	11.30M	12.51M
Weighted Average Basic & Diluted Shares Outstanding	-	5.63M	5.64M	5.66M	11.36M	13.37M
Cash Dividends to Common per Share	$0.80	$0.80	$0.83	-	$0.47	$0.57

This table shows Orange County Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	9.04	8.12	9.29	8.21	3.22	7.16	8.70	10	10	12	11
Consolidated Net Income / (Loss)	9.04	8.12	9.29	8.21	3.22	7.16	8.70	10	10	12	11
Net Income / (Loss) Continuing Operations	9.04	8.12	9.29	8.21	3.22	7.16	8.70	10	10	12	11
Total Pre-Tax Income	11	11	12	10	4.00	8.97	11	14	13	14	15
Total Revenue	26	26	25	28	27	27	28	32	34	33	32
Net Interest Income / (Expense)	23	22	22	24	23	23	24	25	27	28	28
Total Interest Income	30	32	31	33	31	32	32	33	35	35	34
Loans and Leases Interest Income	25	26	26	27	26	27	27	28	30	31	30
Investment Securities Interest Income	3.71	3.72	3.79	3.69	3.22	3.28	3.24	3.29	3.15	3.08	2.99
Federal Funds Sold and Securities Borrowed Interest Income	1.70	1.98	1.67	2.05	1.84	1.67	1.35	1.83	1.54	1.70	1.64
Total Interest Expense	7.60	9.42	9.47	8.39	8.47	9.13	8.28	8.08	7.58	6.98	6.52
Deposits Interest Expense	5.46	6.55	6.99	7.27	6.65	6.97	7.12	7.48	6.35	6.29	5.99
Short-Term Borrowings Interest Expense	1.91	2.64	2.25	0.89	1.59	1.93	0.93	0.38	0.62	0.26	0.10
Long-Term Debt Interest Expense	0.23	0.23	0.23	0.23	0.23	0.23	0.23	0.23	0.62	0.43	0.43
Total Non-Interest Income	3.22	3.74	3.69	3.81	4.17	4.31	4.36	7.32	6.79	4.69	4.18
Trust Fees by Commissions	1.27	1.39	1.31	1.31	1.38	1.51	1.67	1.57	1.58	1.73	1.73
Service Charges on Deposit Accounts	0.21	0.22	0.24	0.23	0.27	0.28	0.29	0.33	0.38	0.36	0.36
Other Service Charges	0.17	0.45	0.32	0.35	0.75	0.48	0.37	0.44	1.34	0.40	0.36
Investment Banking Income	1.33	1.42	1.58	1.65	1.74	1.77	1.77	1.82	1.96	2.01	1.54
Other Non-Interest Income	0.24	0.26	0.24	0.27	0.04	0.26	0.26	2.63	1.38	0.20	0.19
Provision for Credit Losses	0.84	0.46	-1.64	2.21	7.19	-0.05	0.20	2.11	3.88	1.56	-0.44
Total Non-Interest Expense	14	15	15	15	16	18	16	17	17	18	18
Salaries and Employee Benefits	7.89	8.22	8.86	9.18	8.96	9.42	9.36	9.15	9.80	9.71	11
Net Occupancy & Equipment Expense	2.41	2.48	2.40	2.59	2.75	3.00	3.26	3.42	3.07	3.20	3.22
Marketing Expense	0.36	0.58	0.36	0.44	0.36	0.41	0.39	0.48	0.48	0.62	0.43
Other Operating Expenses	2.86	3.37	3.62	3.21	3.81	5.56	3.42	3.63	3.43	4.20	3.70
Amortization Expense	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07
Income Tax Expense	2.26	2.58	2.33	2.02	0.79	1.80	2.58	3.13	3.00	1.23	3.31
Basic Earnings per Share	$1.61	$0.72	$0.82	$0.73	$0.28	$0.63	$0.77	$0.87	$0.75	$0.99	$0.85
Weighted Average Basic Shares Outstanding	5.63M	11.26M	11.27M	11.28M	11.31M	11.30M	11.33M	11.99M	13.34M	12.51M	13.35M
Diluted Earnings per Share	$1.61	$0.72	$0.82	$0.73	$0.28	$0.63	$0.77	$0.87	$0.75	$0.99	$0.85
Weighted Average Diluted Shares Outstanding	5.63M	11.26M	11.27M	11.28M	11.31M	11.30M	11.33M	11.99M	13.34M	12.51M	13.35M
Weighted Average Basic & Diluted Shares Outstanding	5.65M	5.66M	5.66M	5.66M	5.67M	11.36M	11.38M	13.36M	13.37M	13.37M	13.41M
Cash Dividends to Common per Share	$0.23	$0.12	$0.12	-	-	$0.13	$0.13	$0.13	$0.13	$0.19	$0.18

This table details how cash moves in and out of Orange County Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	96	185	-220	61	2.95	54
Net Cash From Operating Activities	11	20	30	45	35	44
Net Cash From Continuing Operating Activities	11	20	30	45	35	44
Net Income / (Loss) Continuing Operations	12	21	24	29	28	42
Consolidated Net Income / (Loss)	12	21	24	29	28	42
Provision For Loan Losses	5.41	2.43	9.52	7.87	7.71	7.75
Depreciation Expense	1.27	1.38	1.41	1.68	1.66	1.54
Amortization Expense	2.62	2.38	2.02	1.59	1.44	1.25
Non-Cash Adjustments to Reconcile Net Income	-4.04	-6.24	-4.84	-3.13	-1.23	-5.81
Changes in Operating Assets and Liabilities, net	-5.60	-0.91	-1.99	7.01	-2.86	-2.50
Net Cash From Investing Activities	-331	-291	-434	-145	-29	-74
Net Cash From Continuing Investing Activities	-331	-291	-434	-145	-29	-74
Purchase of Property, Leasehold Improvements and Equipment	-0.69	-1.96	-1.55	-3.10	-1.73	-2.52
Purchase of Investment Securities	-262	-277	-224	-61	-61	-73
Sale of Property, Leasehold Improvements and Equipment	-	-	0.00	0.00	0.38	2.54
Sale and/or Maturity of Investments	148	114	71	98	106	136
Other Investing Activities, net	-216	-126	-280	-179	-73	-137
Net Cash From Financing Activities	416	456	184	162	-2.23	84
Net Cash From Continuing Financing Activities	416	456	184	162	-2.23	84
Net Change in Deposits	406	425	60	64	115	157
Issuance of Debt	19	-	132	10	-111	25
Issuance of Common Equity	0.00	35	-	-	0.00	43
Repayment of Debt	-5.00	0.00	-3.00	93	0.00	-134
Repurchase of Common Equity	-1.16	-0.38	-0.31	-0.45	-0.52	-0.16
Payment of Dividends	-3.59	-4.03	-4.67	-5.19	-5.33	-7.10
Cash Interest Paid	4.62	4.03	6.12	28	37	31
Cash Income Taxes Paid	3.02	3.72	7.26	7.82	10	10

This table details how cash moves in and out of Orange County Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-20	-11	-2.66	45	-29	-11	14	11	14	14	53
Net Cash From Operating Activities	11	16	2.25	9.27	10	13	4.84	-4.95	30	14	10
Net Cash From Continuing Operating Activities	11	16	2.25	9.27	10	13	4.84	-4.95	30	14	10
Net Income / (Loss) Continuing Operations	9.04	8.12	9.29	8.21	3.22	7.16	8.70	10	10	12	11
Consolidated Net Income / (Loss)	9.04	8.12	9.29	8.21	3.22	7.16	8.70	10	10	12	11
Provision For Loan Losses	0.84	0.46	-1.64	2.21	7.19	-0.05	0.20	2.11	3.88	1.56	-0.44
Depreciation Expense	0.40	0.40	0.39	0.39	0.40	0.48	0.40	0.39	0.38	0.38	0.41
Amortization Expense	0.42	0.36	0.35	0.36	0.37	0.36	0.32	0.30	0.32	0.31	0.30
Non-Cash Adjustments to Reconcile Net Income	-0.59	-0.97	-0.16	-0.69	0.30	-0.69	0.15	-3.80	-1.51	-0.65	0.56
Changes in Operating Assets and Liabilities, net	0.78	7.64	-5.99	-1.22	-1.23	5.57	-4.94	-14	17	-0.27	-1.89
Net Cash From Investing Activities	14	-38	32	15	-60	-17	-25	-21	-23	-5.39	6.13
Net Cash From Continuing Investing Activities	14	-38	32	15	-60	-17	-25	-21	-23	-5.39	6.13
Purchase of Property, Leasehold Improvements and Equipment	-0.12	-0.05	-0.25	-0.11	-0.29	-1.08	-0.49	-0.73	-0.59	-0.70	-0.56
Purchase of Investment Securities	-13	-13	-8.17	-14	-14	-25	-13	-14	-33	-13	-1.30
Sale and/or Maturity of Investments	21	15	24	30	19	33	26	54	31	24	9.24
Other Investing Activities, net	6.19	-40	17	-0.43	-66	-24	-38	-63	-20	-16	-1.25
Net Cash From Financing Activities	-45	11	-37	21	21	-6.61	34	38	6.78	5.98	37
Net Cash From Continuing Financing Activities	-45	11	-37	21	21	-6.61	34	38	6.78	5.98	37
Net Change in Deposits	-33	-66	111	50	-59	13	128	-4.98	2.15	32	39
Issuance of Debt	-25	-	-197	197	-	-	-	0.50	27	91	0.00
Repurchase of Common Equity	-0.13	-0.02	-0.29	-0.01	-0.20	-0.03	-0.16	-	-	-	0.00
Payment of Dividends	-1.30	-1.30	-1.30	-1.30	-1.30	-1.42	-1.48	-1.48	-1.74	-2.41	-2.41
Cash Interest Paid	7.51	7.98	10	8.12	8.54	10	8.51	7.59	7.92	6.52	7.41
Cash Income Taxes Paid	2.77	1.35	0.10	5.61	2.80	1.60	0.00	4.39	2.21	3.76	0.11

This table presents Orange County Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,665	2,143	2,287	2,485	2,510	2,659
Cash and Due from Banks	121	306	86	147	150	204
Loans and Leases, Net of Allowance	1,137	1,274	1,548	1,722	1,790	1,922
Loans and Leases	1,153	1,291	1,569	1,747	1,816	1,950
Allowance for Loan and Lease Losses	16	18	22	25	26	28
Accrued Investment Income	6.30	6.64	6.32	5.93	6.68	10
Premises and Equipment, Net	14	15	15	16	16	15
Goodwill	5.36	5.36	5.36	5.36	5.36	5.36
Intangible Assets	1.96	1.68	1.39	1.11	0.82	0.54
Other Assets	49	70	626	588	541	501
Total Liabilities & Shareholders' Equity	1,665	2,143	2,287	2,485	2,510	2,659
Total Liabilities	1,530	1,960	2,149	2,320	2,324	2,375
Non-Interest Bearing Deposits	521	702	723	699	651	726
Interest Bearing Deposits	968	1,213	1,251	1,340	1,502	1,585
Long-Term Debt	22	22	19	30	30	35
Other Long-Term Liabilities	18	23	24	27	28	30
Total Equity & Noncontrolling Interests	135	183	138	165	186	284
Total Preferred & Common Equity	135	183	138	165	186	284
Total Common Equity	135	183	138	165	186	284
Common Stock	87	123	123	123	124	168
Retained Earnings	48	65	85	107	130	164
Treasury Stock	-1.46	-1.33	-1.25	-1.11	-0.38	-0.20
Accumulated Other Comprehensive Income / (Loss)	1.82	-3.44	-68	-64	-68	-48

This table presents Orange County Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	2,368	2,455	2,494	2,447	2,453	2,481	2,519	2,560	2,606	2,636	2,706
Cash and Due from Banks	180	165	179	159	145	190	161	164	176	190	258
Loans and Leases, Net of Allowance	1,525	1,639	1,688	1,682	1,707	1,706	1,765	1,828	1,889	1,906	1,924
Loans and Leases	1,548	1,663	1,713	1,708	1,733	1,734	1,796	1,854	1,918	1,936	1,952
Allowance for Loan and Lease Losses	23	25	25	26	25	28	31	26	28	29	28
Accrued Investment Income	5.55	5.96	5.81	6.33	10	9.62	10	11	10	11	11
Premises and Equipment, Net	15	17	16	16	16	16	14	16	15	15	16
Goodwill	5.36	5.36	5.36	5.36	5.36	5.36	5.36	5.36	5.36	5.36	5.36
Intangible Assets	1.46	1.32	1.25	1.18	1.04	0.96	0.89	0.75	0.68	0.61	0.46
Other Assets	89	96	95	578	568	554	563	535	510	509	492
Total Liabilities & Shareholders' Equity	2,368	2,455	2,494	2,447	2,453	2,481	2,519	2,560	2,606	2,636	2,706
Total Liabilities	2,232	2,067	2,346	2,303	2,284	2,304	2,326	2,359	2,354	2,366	2,414
Non-Interest Bearing Deposits	788	694	716	727	636	681	690	654	687	712	727
Interest Bearing Deposits	1,399	1,332	1,423	1,378	1,513	1,518	1,450	1,628	1,590	1,567	1,622
Long-Term Debt	22	19	29	30	30	30	30	30	30	34	35
Other Long-Term Liabilities	22	22	22	23	27	25	24	27	26	30	30
Total Equity & Noncontrolling Interests	136	149	148	144	169	178	193	201	253	270	292
Total Preferred & Common Equity	136	149	148	144	169	178	193	201	253	270	292
Total Common Equity	136	149	148	144	169	178	193	201	253	270	292
Common Stock	123	123	123	123	123	123	124	124	168	168	169
Retained Earnings	77	85	93	101	115	122	124	137	146	154	173
Treasury Stock	-1.27	-1.36	-1.28	-1.13	-0.96	-0.73	-0.41	-0.20	-0.20	-0.20	-0.20
Accumulated Other Comprehensive Income / (Loss)	-62	-58	-66	-79	-69	-67	-54	-60	-61	-52	-51

This table displays calculated financial ratios and metrics derived from Orange County Bancorp's official financial filings.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	5,637,376.00	-	-	-	13,366,740.00
DEI Adjusted Shares Outstanding	0.00	11,274,752.00	-	-	-	13,366,740.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	1.89	-	-	-	3.11
Growth Metrics	-	-	-	-	-	-
Revenue Growth	0.00%	20.61%	24.15%	13.02%	5.82%	18.07%
EBITDA Growth	0.00%	65.34%	10.75%	19.92%	-6.18%	43.32%
EBIT Growth	0.00%	83.75%	13.49%	22.70%	-6.27%	48.07%
NOPAT Growth	0.00%	82.27%	14.45%	21.00%	-5.41%	49.25%
Net Income Growth	0.00%	82.27%	14.45%	21.00%	-5.41%	49.25%
EPS Growth	0.00%	65.25%	1.17%	21.00%	-5.41%	34.82%
Operating Cash Flow Growth	0.00%	79.13%	50.01%	45.98%	-22.24%	26.72%
Free Cash Flow Firm Growth	0.00%	0.00%	-127.32%	-69.44%	217.68%	-56.75%
Invested Capital Growth	0.00%	30.09%	40.87%	45.08%	-21.64%	-2.95%
Revenue Q/Q Growth	0.00%	0.00%	7.83%	-0.01%	1.40%	4.65%
EBITDA Q/Q Growth	0.00%	0.00%	14.13%	-1.63%	-4.20%	9.15%
EBIT Q/Q Growth	0.00%	0.00%	17.04%	-1.99%	-4.74%	10.01%
NOPAT Q/Q Growth	0.00%	0.00%	17.21%	-3.11%	-3.33%	14.49%
Net Income Q/Q Growth	0.00%	0.00%	17.21%	-3.11%	-3.33%	14.49%
EPS Q/Q Growth	0.00%	0.00%	17.98%	-3.11%	-3.33%	21.98%
Operating Cash Flow Q/Q Growth	0.00%	17.33%	5.10%	24.53%	-8.43%	2.18%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	22.66%	1,952.86%	-19.71%
Invested Capital Q/Q Growth	0.00%	0.00%	82.25%	31.30%	-7.34%	-2.50%
Profitability Metrics	-	-	-	-	-	-
EBITDA Margin	30.60%	41.94%	37.42%	39.70%	35.20%	42.73%
EBIT Margin	24.13%	36.76%	33.61%	36.49%	32.32%	40.53%
Profit (Net Income) Margin	19.41%	29.34%	27.04%	28.95%	25.88%	32.71%
Tax Burden Percent	80.45%	79.80%	80.47%	79.35%	80.08%	80.72%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.56%	20.20%	19.53%	20.65%	19.92%	19.28%
Return on Invested Capital (ROIC)	7.40%	11.73%	9.86%	8.32%	7.46%	12.85%
ROIC Less NNEP Spread (ROIC-NNEP)	7.40%	11.73%	9.86%	8.32%	7.46%	12.85%
Return on Net Nonoperating Assets (RNNOA)	1.22%	1.65%	5.32%	11.10%	8.44%	4.86%
Return on Equity (ROE)	8.62%	13.38%	15.18%	19.42%	15.89%	17.71%
Cash Return on Invested Capital (CROIC)	0.00%	-14.43%	-24.08%	-28.46%	31.73%	15.85%
Operating Return on Assets (OROA)	0.87%	1.40%	1.37%	1.56%	1.39%	1.99%
Return on Assets (ROA)	0.70%	1.12%	1.10%	1.24%	1.12%	1.61%
Return on Common Equity (ROCE)	8.62%	13.38%	15.18%	19.42%	15.89%	17.71%
Return on Equity Simple (ROE_SIMPLE)	8.62%	11.64%	17.64%	17.82%	15.03%	14.63%
Net Operating Profit after Tax (NOPAT)	12	21	24	29	28	42
NOPAT Margin	19.41%	29.34%	27.04%	28.95%	25.88%	32.71%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	51.40%	46.05%	43.19%	42.88%	45.23%	41.61%
Operating Expenses to Revenue	66.87%	59.89%	55.83%	55.78%	60.53%	53.38%
Earnings before Interest and Taxes (EBIT)	15	27	30	37	35	52
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	18	30	34	40	38	54
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	0.17	1.18	1.84	2.01	1.69	1.33
Price to Tangible Book Value (P/TBV)	0.18	1.23	1.94	2.09	1.75	1.36
Price to Revenue (P/Rev)	0.38	2.98	2.83	3.27	2.91	2.98
Price to Earnings (P/E)	1.98	10.16	10.46	11.28	11.25	9.12
Dividend Yield	0.00%	1.04%	1.84%	1.56%	1.70%	2.01%
Earnings Yield	50.49%	9.85%	9.56%	8.86%	8.89%	10.96%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	1.11	1.05	0.93	0.66
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	3.55	4.31	2.84	1.65
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	9.48	10.86	8.08	3.86
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	10.56	11.82	8.80	4.07
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	13.12	14.90	10.99	5.04
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	10.49	9.87	8.86	4.79
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	2.58	4.09
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	0.16	0.12	1.09	1.54	0.77	0.12
Long-Term Debt to Equity	0.16	0.12	0.14	0.18	0.16	0.12
Financial Leverage	0.16	0.14	0.54	1.33	1.13	0.38
Leverage Ratio	12.29	11.96	13.80	15.73	14.24	11.00
Compound Leverage Factor	12.29	11.96	13.80	15.73	14.24	11.00
Debt to Total Capital	14.15%	10.90%	52.22%	60.57%	43.54%	10.84%
Short-Term Debt to Total Capital	0.00%	0.00%	45.49%	53.53%	34.54%	0.00%
Long-Term Debt to Total Capital	14.15%	10.90%	6.73%	7.04%	9.00%	10.84%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	85.85%	89.10%	47.78%	39.43%	56.46%	89.17%
Debt to EBITDA	1.21	0.74	4.48	6.28	3.77	0.64
Net Debt to EBITDA	-5.37	-9.33	1.92	2.64	-0.19	-3.12
Long-Term Debt to EBITDA	1.21	0.74	0.58	0.73	0.78	0.64
Debt to NOPAT	1.91	1.05	6.20	8.62	5.13	0.83
Net Debt to NOPAT	-8.47	-13.33	2.66	3.62	-0.26	-4.08
Long-Term Debt to NOPAT	1.91	1.05	0.80	1.00	1.06	0.83
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-26	-60	-101	119	51
Operating Cash Flow to CapEx	1,639.31%	1,037.26%	1,973.01%	1,435.02%	2,553.73%	0.00%
Free Cash Flow to Firm to Interest Expense	0.00	-6.60	-9.70	-3.43	3.35	1.66
Operating Cash Flow to Interest Expense	2.40	5.12	4.97	1.51	0.98	1.42
Operating Cash Flow Less CapEx to Interest Expense	2.26	4.63	4.72	1.41	0.94	1.42
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.05
Fixed Asset Turnover	4.29	5.07	6.14	6.59	6.74	8.13
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	158	205	289	419	329	319
Invested Capital Turnover	0.38	0.40	0.36	0.29	0.29	0.39
Increase / (Decrease) in Invested Capital	0.00	47	84	130	-91	-9.70
Enterprise Value (EV)	-76	-68	320	439	306	210
Market Capitalization	23	216	255	333	314	380
Book Value per Share	$30.04	$32.43	$24.48	$29.27	$32.70	$21.27
Tangible Book Value per Share	$28.41	$31.18	$23.28	$28.12	$31.61	$20.83
Total Capital	158	205	289	419	329	319
Total Debt	22	22	151	254	143	35
Total Long-Term Debt	22	22	19	30	30	35
Net Debt	-99	-284	65	107	-7.24	-170
Capital Expenditures (CapEx)	0.69	1.96	1.55	3.10	1.36	-0.02
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	22	22	151	254	143	35
Total Depreciation and Amortization (D&A)	3.89	3.76	3.43	3.27	3.10	2.79
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$4.28	$4.33	$2.62	$2.47	$3.33
Adjusted Weighted Average Basic Shares Outstanding	0.00	4.97M	5.62M	11.26M	11.30M	12.51M
Adjusted Diluted Earnings per Share	$0.00	$4.28	$4.33	$2.62	$2.47	$3.33
Adjusted Weighted Average Diluted Shares Outstanding	0.00	4.97M	5.62M	11.26M	11.30M	12.51M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	5.63M	5.64M	11.31M	11.36M	13.37M
Normalized Net Operating Profit after Tax (NOPAT)	12	21	24	29	28	42
Normalized NOPAT Margin	19.41%	29.34%	27.04%	28.95%	25.88%	32.71%
Pre Tax Income Margin	24.13%	36.76%	33.61%	36.49%	32.32%	40.53%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	3.07	6.72	4.94	1.26	0.98	1.67
NOPAT to Interest Expense	2.47	5.36	3.97	1.00	0.79	1.35
EBIT Less CapEx to Interest Expense	2.93	6.23	4.68	1.16	0.94	1.67
NOPAT Less CapEx to Interest Expense	2.33	4.87	3.72	0.90	0.75	1.35
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	30.70%	18.93%	19.16%	17.61%	19.10%	17.06%
Augmented Payout Ratio	40.66%	20.71%	20.43%	19.13%	20.96%	17.44%

This table displays calculated financial ratios and metrics derived from Orange County Bancorp's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	11,358,591.00	11,383,738.00	13,362,912.00	13,366,740.00	13,368,447.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	11,358,591.00	11,383,738.00	13,362,912.00	13,366,740.00	13,368,447.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	0.77	0.92	0.75	0.93	0.84
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	5.64%	-0.05%	4.02%	7.87%	5.52%	5.76%	10.67%	16.22%	24.29%	20.62%	14.63%
EBITDA Growth	13.75%	-5.52%	155.72%	-8.55%	-60.58%	-14.50%	-2.87%	30.00%	187.06%	46.48%	27.41%
EBIT Growth	16.33%	-6.60%	195.90%	-8.89%	-64.55%	-16.20%	-2.83%	32.85%	225.12%	52.33%	29.25%
NOPAT Growth	15.09%	-10.43%	187.62%	-9.61%	-64.42%	-11.82%	-6.31%	27.37%	211.54%	73.51%	29.64%
Net Income Growth	15.09%	-10.43%	187.62%	-9.61%	-64.42%	-11.82%	-6.31%	27.37%	211.54%	73.51%	29.64%
EPS Growth	15.00%	-10.43%	189.47%	-9.32%	-64.60%	-11.82%	-6.10%	19.18%	167.86%	57.14%	10.39%
Operating Cash Flow Growth	-14.71%	120.95%	-72.43%	-1.72%	-5.81%	-19.89%	114.69%	-153.39%	194.67%	7.28%	111.47%
Free Cash Flow Firm Growth	-390.67%	-63.35%	164.61%	154.33%	78.89%	180.15%	-76.11%	-141.81%	217.33%	-77.40%	-289.76%
Invested Capital Growth	101.37%	45.08%	-32.14%	-23.06%	11.03%	-21.64%	-8.97%	17.94%	-7.77%	-2.95%	29.75%
Revenue Q/Q Growth	-0.65%	0.66%	-2.34%	10.44%	-2.81%	0.89%	2.19%	15.98%	3.94%	-2.09%	-2.88%
EBITDA Q/Q Growth	0.87%	-5.41%	7.89%	-11.16%	-56.52%	105.15%	22.57%	18.90%	-3.98%	4.68%	6.61%
EBIT Q/Q Growth	0.60%	-5.24%	8.55%	-11.95%	-60.86%	123.98%	25.87%	20.38%	-4.20%	4.94%	6.80%
NOPAT Q/Q Growth	-0.53%	-10.11%	14.35%	-11.59%	-60.84%	122.76%	21.50%	20.19%	-4.23%	24.06%	-9.22%
Net Income Q/Q Growth	-0.53%	-10.11%	14.35%	-11.59%	-60.84%	122.76%	21.50%	20.19%	-4.23%	24.06%	-9.22%
EPS Q/Q Growth	0.00%	-10.11%	13.79%	-11.52%	-60.96%	122.76%	22.22%	12.99%	-13.79%	32.00%	-14.14%
Operating Cash Flow Q/Q Growth	15.33%	47.16%	-85.93%	311.58%	10.53%	25.16%	-62.29%	-202.36%	710.00%	-54.43%	-25.67%
Free Cash Flow Firm Q/Q Growth	3.30%	19.49%	214.68%	-39.15%	-137.56%	405.76%	-65.82%	-206.51%	205.41%	-41.11%	-387.02%
Invested Capital Q/Q Growth	-4.41%	31.30%	-34.14%	-6.92%	37.95%	-7.34%	-23.49%	20.59%	7.88%	-2.50%	2.30%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	47.11%	44.26%	48.89%	39.33%	17.60%	35.78%	42.91%	43.99%	40.64%	43.45%	47.70%
EBIT Margin	43.91%	41.33%	45.94%	36.63%	14.75%	32.75%	40.34%	41.87%	38.59%	41.36%	45.48%
Profit (Net Income) Margin	35.14%	31.38%	36.74%	29.41%	11.85%	26.16%	31.10%	32.23%	29.70%	37.63%	35.18%
Tax Burden Percent	80.02%	75.91%	79.97%	80.29%	80.32%	79.88%	77.11%	76.98%	76.96%	90.99%	77.34%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.98%	24.09%	20.03%	19.71%	19.68%	20.12%	22.89%	23.02%	23.04%	9.01%	22.66%
Return on Invested Capital (ROIC)	14.97%	9.02%	11.05%	10.43%	3.74%	7.54%	13.02%	13.23%	10.59%	14.79%	15.99%
ROIC Less NNEP Spread (ROIC-NNEP)	14.97%	9.02%	11.05%	10.43%	3.74%	7.54%	13.02%	13.23%	10.59%	14.79%	15.99%
Return on Net Nonoperating Assets (RNNOA)	10.58%	12.03%	12.75%	8.50%	3.74%	8.53%	5.55%	4.00%	5.00%	5.59%	2.75%
Return on Equity (ROE)	25.55%	21.05%	23.81%	18.93%	7.47%	16.07%	18.57%	17.23%	15.59%	20.37%	18.74%
Cash Return on Invested Capital (CROIC)	-54.55%	-28.46%	48.70%	37.79%	-1.90%	31.73%	19.74%	-5.91%	18.75%	15.85%	-10.60%
Operating Return on Assets (OROA)	1.86%	1.76%	1.92%	1.54%	0.63%	1.41%	1.78%	1.89%	1.82%	2.04%	2.27%
Return on Assets (ROA)	1.49%	1.34%	1.54%	1.24%	0.51%	1.13%	1.37%	1.46%	1.40%	1.85%	1.75%
Return on Common Equity (ROCE)	25.55%	21.05%	23.81%	18.93%	7.47%	16.07%	18.57%	17.23%	15.59%	20.37%	18.74%
Return on Equity Simple (ROE_SIMPLE)	21.14%	0.00%	21.07%	19.52%	14.94%	0.00%	13.56%	11.70%	13.46%	0.00%	15.15%
Net Operating Profit after Tax (NOPAT)	9.04	8.12	9.29	8.21	3.22	7.16	8.70	10	10	12	11
NOPAT Margin	35.14%	31.38%	36.74%	29.41%	11.85%	26.16%	31.10%	32.23%	29.70%	37.63%	35.18%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	41.46%	43.59%	45.95%	43.72%	44.46%	46.86%	46.47%	40.20%	39.55%	40.98%	44.11%
Operating Expenses to Revenue	52.84%	56.88%	60.54%	55.46%	58.75%	67.44%	58.94%	51.62%	49.92%	53.93%	55.88%
Earnings before Interest and Taxes (EBIT)	11	11	12	10	4.00	8.97	11	14	13	14	15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	12	11	12	11	4.78	9.80	12	14	14	14	15
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.66	2.01	1.54	1.69	1.77	1.69	1.29	1.16	1.25	1.33	1.47
Price to Tangible Book Value (P/TBV)	1.74	2.09	1.60	1.75	1.83	1.75	1.33	1.19	1.28	1.36	1.50
Price to Revenue (P/Rev)	2.35	3.27	2.52	2.85	3.22	2.91	2.35	2.56	2.77	2.98	3.26
Price to Earnings (P/E)	7.86	11.28	7.29	8.63	11.84	11.25	9.52	9.96	9.27	9.12	9.67
Dividend Yield	2.17%	1.56%	2.01%	1.74%	1.53%	1.70%	2.12%	1.94%	2.04%	2.01%	1.94%
Earnings Yield	12.72%	8.86%	13.72%	11.59%	8.44%	8.89%	10.50%	10.04%	10.79%	10.96%	10.34%
Enterprise Value to Invested Capital (EV/IC)	0.80	1.05	0.80	0.74	0.97	0.93	0.58	0.56	0.62	0.66	0.63
Enterprise Value to Revenue (EV/Rev)	2.51	4.31	2.16	1.80	3.22	2.84	1.32	1.47	1.68	1.65	1.56
Enterprise Value to EBITDA (EV/EBITDA)	6.23	10.86	4.63	4.03	8.65	8.08	3.88	4.14	4.10	3.86	3.55
Enterprise Value to EBIT (EV/EBIT)	6.75	11.82	4.95	4.31	9.37	8.80	4.23	4.47	4.35	4.07	3.73
Enterprise Value to NOPAT (EV/NOPAT)	8.41	14.90	6.24	5.45	11.87	10.99	5.34	5.73	5.61	5.04	4.63
Enterprise Value to Operating Cash Flow (EV/OCF)	7.16	9.87	5.75	4.92	9.06	8.86	3.92	7.37	4.75	4.79	4.15
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	1.33	1.69	0.00	2.58	2.80	0.00	3.19	4.09	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.22	1.54	0.64	0.45	0.84	0.77	0.25	0.20	0.21	0.12	0.12
Long-Term Debt to Equity	0.21	0.18	0.18	0.17	0.15	0.16	0.15	0.12	0.13	0.12	0.12
Financial Leverage	0.71	1.33	1.15	0.82	1.00	1.13	0.43	0.30	0.47	0.38	0.17
Leverage Ratio	17.19	15.73	15.47	15.27	14.74	14.24	13.55	11.83	11.13	11.00	10.68
Compound Leverage Factor	17.19	15.73	15.47	15.27	14.74	14.24	13.55	11.83	11.13	11.00	10.68
Debt to Total Capital	54.94%	60.57%	38.93%	30.94%	45.56%	43.54%	19.93%	16.70%	17.42%	10.84%	10.60%
Short-Term Debt to Total Capital	45.71%	53.53%	28.24%	19.45%	37.22%	34.54%	8.15%	6.93%	6.88%	0.00%	0.00%
Long-Term Debt to Total Capital	9.24%	7.04%	10.69%	11.50%	8.34%	9.00%	11.78%	9.77%	10.54%	10.84%	10.60%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	45.06%	39.43%	61.07%	69.06%	54.44%	56.46%	80.07%	83.30%	82.58%	89.17%	89.40%
Debt to EBITDA	4.27	6.28	2.24	1.70	4.08	3.77	1.33	1.24	1.14	0.64	0.60
Net Debt to EBITDA	0.41	2.64	-0.78	-2.35	0.02	-0.19	-3.04	-3.06	-2.67	-3.12	-3.87
Long-Term Debt to EBITDA	0.72	0.73	0.62	0.63	0.75	0.78	0.79	0.73	0.69	0.64	0.60
Debt to NOPAT	5.77	8.62	3.03	2.30	5.60	5.13	1.84	1.71	1.57	0.83	0.78
Net Debt to NOPAT	0.55	3.62	-1.05	-3.18	0.02	-0.26	-4.18	-4.23	-3.66	-4.08	-5.05
Long-Term Debt to NOPAT	0.97	1.00	0.83	0.85	1.03	1.06	1.08	1.00	0.95	0.83	0.78
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-152	-122	140	85	-32	98	33	-36	38	22	-64
Operating Cash Flow to CapEx	9,461.74%	3,328.90%	894.05%	8,586.11%	3,534.14%	1,819.57%	979.15%	-675.44%	5,084.34%	1,980.14%	1,816.87%
Free Cash Flow to Firm to Interest Expense	-19.97	-12.97	14.79	10.16	-3.78	10.73	4.04	-4.41	4.96	3.17	-9.75
Operating Cash Flow to Interest Expense	1.43	1.70	0.24	1.10	1.21	1.41	0.58	-0.61	3.98	1.97	1.57
Operating Cash Flow Less CapEx to Interest Expense	1.42	1.65	0.21	1.09	1.18	1.33	0.52	-0.70	3.91	1.87	1.48
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05
Fixed Asset Turnover	6.64	6.59	6.31	6.53	7.00	6.74	6.92	7.49	8.25	8.13	8.33
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	319	419	276	257	355	329	251	303	327	319	326
Invested Capital Turnover	0.43	0.29	0.30	0.35	0.32	0.29	0.42	0.41	0.36	0.39	0.45
Increase / (Decrease) in Invested Capital	161	130	-131	-77	35	-91	-25	46	-28	-9.70	75
Enterprise Value (EV)	256	439	222	189	342	306	146	169	204	210	205
Market Capitalization	239	333	259	299	342	314	260	294	337	380	428
Book Value per Share	$25.49	$29.27	$29.81	$31.38	$34.09	$32.70	$17.72	$22.19	$20.21	$21.27	$21.82
Tangible Book Value per Share	$24.34	$28.12	$28.68	$30.26	$32.99	$31.61	$17.19	$21.66	$19.77	$20.83	$21.38
Total Capital	319	419	276	257	355	329	251	303	327	319	326
Total Debt	176	254	108	80	162	143	50	51	57	35	35
Total Long-Term Debt	30	30	30	30	30	30	30	30	34	35	35
Net Debt	17	107	-37	-110	0.70	-7.24	-114	-125	-133	-170	-223
Capital Expenditures (CapEx)	0.12	0.48	0.25	0.11	0.29	0.71	0.49	0.73	0.59	0.70	0.56
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	176	254	108	80	162	143	50	51	57	35	35
Total Depreciation and Amortization (D&A)	0.82	0.76	0.75	0.76	0.77	0.83	0.72	0.69	0.69	0.69	0.71
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.61	$0.36	$1.65	$1.46	$0.57	$0.32	$0.77	$0.87	$0.75	$0.99	$0.85
Adjusted Weighted Average Basic Shares Outstanding	5.63M	22.52M	5.63M	5.64M	5.65M	22.61M	11.33M	11.99M	13.34M	12.51M	13.35M
Adjusted Diluted Earnings per Share	$1.61	$0.36	$1.65	$1.46	$0.57	$0.32	$0.77	$0.87	$0.75	$0.99	$0.85
Adjusted Weighted Average Diluted Shares Outstanding	5.63M	22.52M	5.63M	5.64M	5.65M	22.61M	11.33M	11.99M	13.34M	12.51M	13.35M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.36	$0.00	$0.00	$0.00	$0.32	$0.00	$0.00	$0.00	$0.99	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	5.65M	11.31M	5.66M	5.66M	5.67M	22.72M	11.38M	13.36M	13.37M	13.37M	13.41M
Normalized Net Operating Profit after Tax (NOPAT)	9.04	8.12	9.29	8.21	3.22	7.16	8.70	10	10	12	11
Normalized NOPAT Margin	35.14%	31.38%	36.74%	29.41%	11.85%	26.16%	31.10%	32.23%	29.70%	37.63%	35.18%
Pre Tax Income Margin	43.91%	41.33%	45.94%	36.63%	14.75%	32.75%	40.34%	41.87%	38.59%	41.36%	45.48%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.49	1.14	1.23	1.22	0.47	0.98	1.36	1.68	1.72	1.96	2.24
NOPAT to Interest Expense	1.19	0.86	0.98	0.98	0.38	0.78	1.05	1.29	1.32	1.78	1.73
EBIT Less CapEx to Interest Expense	1.47	1.09	1.20	1.21	0.44	0.91	1.30	1.59	1.64	1.86	2.15
NOPAT Less CapEx to Interest Expense	1.17	0.81	0.95	0.97	0.35	0.71	0.99	1.20	1.24	1.68	1.64
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	17.05%	17.61%	14.62%	15.00%	18.05%	19.10%	20.15%	19.22%	16.82%	17.06%	18.17%
Augmented Payout Ratio	18.44%	19.13%	15.86%	16.27%	19.82%	20.96%	21.57%	20.51%	17.33%	17.44%	18.17%

Financials Breakdown Chart

Key Financial Trends

Orange County Bancorp (NASDAQ: OBT) entered 2026 with a stronger balance sheet and still-solid profitability, but the latest quarter shows some pressure in funding costs and credit expenses. Over the last four years, the company has grown its loan book and deposit base, but equity has trended lower from prior peaks, and the loan-loss allowance has moved higher as a percentage of loans.

What stands out most is that OBT continues to generate good quarterly earnings and positive operating cash flow, while maintaining a large liquidity cushion. However, profitability has cooled from the very strong levels seen in 2023, and the first quarter of 2026 showed a meaningful jump in deposits and a much larger cash position, which can be positive for liquidity but may also indicate that management is balancing growth and funding more conservatively.

Net income remained healthy in Q1 2026 at $11.3 million, even though it was down from $12.4 million in Q4 2025 and $12.4 million in Q4 2024.
Operating cash flow was strong at $10.2 million in Q1 2026, showing the business is still converting earnings into cash.
Cash and due from banks rose to $257.5 million from $189.9 million in Q3 2025, improving near-term liquidity.
Total assets increased to $2.71 billion from $2.64 billion in Q3 2025, reflecting continued balance sheet expansion.
Loans and leases, net, grew to $1.92 billion from $1.91 billion in Q3 2025 and $1.83 billion in Q1 2025, showing loan growth over the year.
Non-interest income stayed diversified, with trust fees, service charges, and investment banking income contributing meaningfully to revenue.
Deposits increased sharply in Q1 2026, with net deposit growth of $39.4 million, supporting funding stability.
Book value remains positive, with total common equity of $291.7 million at Q1 2026, though it is below levels seen earlier in the historical period.
Revenue growth appears modest, with Q1 2026 total revenue of $32.1 million versus $33.0 million in Q4 2025.
Provision for credit losses was still meaningful at $436,000 in Q1 2026, though much lower than the large provision in Q4 2025.
Net interest margin pressure is visible in funding costs, as deposit interest expense remained elevated relative to prior years.
Equity has trended lower than earlier periods, with total common equity down from $201.3 million in Q1 2025 to $291.7 million now only after a rebound from a mid-2025 low; the broader trend includes volatility and dilution pressure.
AOCI remains a drag, at negative $50.6 million in Q1 2026, which continues to weigh on reported equity.

Longer-term trend: OBT’s earnings power has been solid, but not perfectly smooth. Quarterly net income was generally above $8 million throughout 2024 and 2025, with some quarters much stronger than others. The bank’s loan portfolio has expanded, deposits have generally held up, and liquidity improved meaningfully in the latest quarter. At the same time, the company has dealt with higher interest expense, periodic credit-cost volatility, and a lower equity cushion than the strongest periods in the past. For retail investors, this looks like a profitable regional bank with decent growth and liquidity, but one that is not immune to rate and credit-cycle pressures.

07/05/26 08:07 PM ETAI Generated. May Contain Errors.

Orange County Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Orange County Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Orange County Bancorp's net income appears to be on an upward trend, with a most recent value of $41.61 million in 2025, rising from $11.68 million in 2020. The previous period was $27.88 million in 2024. Check out Orange County Bancorp's forecast to explore projected trends and price targets.

Over the last 5 years, Orange County Bancorp's total revenue changed from $60.16 million in 2020 to $127.20 million in 2025, a change of 111.4%.

Orange County Bancorp's total liabilities were at $2.38 billion at the end of 2025, a 2.2% increase from 2024, and a 55.3% increase since 2020.

In the past 5 years, Orange County Bancorp's cash and equivalents has ranged from $86.08 million in 2022 to $306.18 million in 2021, and is currently $204.23 million as of their latest financial filing in 2025.

Over the last 5 years, Orange County Bancorp's book value per share changed from 30.04 in 2020 to 21.27 in 2025, a change of -29.2%.

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Financial statements for NASDAQ:OBT last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Orange County Bancorp (OBT) Financials

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Orange County Bancorp (OBT) Financials

Annual Income Statements for Orange County Bancorp

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Quarterly Balance Sheets for Orange County Bancorp

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Quarterly Metrics And Ratios for Orange County Bancorp

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Orange County Bancorp Financials - Frequently Asked Questions

When does Orange County Bancorp's fiscal year end?

How has Orange County Bancorp's net income changed over the last 5 years?

How has Orange County Bancorp's revenue changed over the last 5 years?

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