OBT

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Orange County Bancorp, Inc.

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Key Metrics

Previous Close: $37.19
52-Week Range: $23.25 – $40.10
Market Cap: $505.88M
P/E (TTM): 10.60
EPS (TTM): 3.56
Dividend Yield: 1.91%

Advanced Metrics

Price/Book: 1.65
PEG Ratio: —
Return on Equity: 16.95%
Return on Assets: 1.75%
Gross Margin: 0.00%
Operating Margin: 40.90%
Profit Margin: 38.63%
Current Ratio: —
Debt/Equity: —
Total Debt: $34.60M
Free Cash Flow: —
Revenue Growth: -5.00%
Earnings Growth: 17.00%
Enterprise Value: $205.56M

OBT Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$89.87M	$101.69M	$107.63M	$127.11M
Selling, General & Admin	$32.21M	$36.70M	$40.35M	$42.55M
Pretax Income	$30.28M	$37.15M	$34.82M	$51.56M
Income Tax	$5.91M	$7.67M	$6.93M	$9.94M
Net Income	$24.36M	$29.48M	$27.88M	$41.61M
Diluted EPS	2.17	2.62	2.47	3.33
Diluted Shares	11.24M	11.26M	11.30M	12.51M

OBT Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$86.08M	$147.38M	$150.33M	$204.23M
Receivables	$6.32M	$5.93M	$6.68M	$10.38M
Total Assets	$2.29B	$2.49B	$2.51B	$2.66B
Long-Term Debt	$19.45M	$29.52M	$29.59M	$34.55M
Total Debt	$150.95M	$254.02M	$143.09M	$34.55M
Total Liabilities	$2.15B	$2.32B	$2.32B	$2.38B
Retained Earnings	$84.64M	$107.36M	$129.92M	$164.43M
Shareholders' Equity	$138.14M	$165.38M	$185.53M	$284.36M
Net Debt	$64.87M	$106.64M	—	—

OBT Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$30.48M	$44.50M	$34.60M	$43.85M
Capital Expenditure	-$1.54M	-$3.54M	-$1.73M	-$2.52M
Free Cash Flow	$28.94M	$40.96M	$32.87M	$41.33M
Depreciation & Amortisation	$1.69M	$1.97M	$1.95M	$1.83M
Stock-Based Compensation	$669.00K	$871.00K	$1.76M	$1.14M
Investing Cash Flow	-$434.11M	-$144.92M	-$29.42M	-$74.15M
Financing Cash Flow	$183.53M	$161.72M	-$2.23M	$84.20M
Dividends Paid	-$4.67M	-$5.19M	-$5.33M	-$7.10M
Share Repurchases	-$308.00K	-$447.00K	-$518.00K	-$158.00K
Net Change in Cash	-$220.10M	$61.30M	$2.95M	$53.90M

OBT Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$32.43M	$33.71M	$33.01M	$32.05M	$27.79M
Selling, General & Admin	$10.28M	$10.92M	$10.97M	$11.89M	$11.71M
Pretax Income	$13.59M	$13.02M	$13.66M	$14.59M	$11.56M
Income Tax	$3.13M	$3.00M	$1.23M	$3.31M	-$2.10M
Net Income	$10.46M	$10.02M	$12.43M	$11.28M	$13.66M
Diluted EPS	0.87	0.75	0.93	0.85	1.02
Diluted Shares	11.99M	13.34M	13.34M	13.35M	13.38M

OBT Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$175.61M	$189.88M	$204.23M	$257.54M	$334.93M
Receivables	$10.46M	$10.51M	$10.38M	$10.99M	$10.79M
Total Assets	$2.61B	$2.64B	$2.66B	$2.71B	$2.80B
Long-Term Debt	$29.63M	$34.48M	$34.55M	$34.58M	$34.60M
Total Debt	$50.63M	$56.98M	$34.55M	$34.58M	$34.60M
Total Liabilities	$2.35B	$2.37B	$2.38B	$2.41B	$2.49B
Retained Earnings	$146.13M	$154.41M	$164.43M	$173.31M	$184.56M
Shareholders' Equity	$252.59M	$270.12M	$284.36M	$291.66M	$306.63M

OBT Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$4.95M	$30.20M	$13.76M	$10.23M	$12.58M
Capital Expenditure	-$733.00K	-$594.00K	-$695.00K	-$563.00K	-$250.00K
Free Cash Flow	-$5.68M	$29.61M	$13.07M	$9.67M	$12.33M
Depreciation & Amortisation	$462.00K	$447.00K	$452.00K	$480.00K	$499.00K
Stock-Based Compensation	$16.00K	$91.00K	$46.00K	$1.24M	-$5.00K
Investing Cash Flow	-$21.35M	-$22.71M	-$5.39M	$6.13M	-$14.25M
Financing Cash Flow	$37.73M	$6.78M	$5.98M	$36.94M	$79.06M
Dividends Paid	-$1.48M	-$1.74M	-$2.40M	-$2.41M	-$2.41M
Share Repurchases	$0.00	$0.00	$0.00	$0.00	$0.00
Net Change in Cash	$11.43M	$14.27M	$14.35M	$53.31M	$77.39M

Market Snapshot

About

Orange County Bancorp, Inc. is a community bank holding company providing commercial and consumer banking services primarily in the Hudson Valley region of New York.