Orange County Bancorp, Inc. (OBT) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Orange County Bancorp reported revenue of $127.2M, up 18.1% from $107.7M the year before. Net income was $41.6M (a 32.7% net margin), or $3.33 per diluted share. Net interest income was $104.1M, and the efficiency ratio (noninterest expense / revenue) was 53.4%. Operating activities generated $43.8M of cash, leaving $41.3M of free cash flow. At fiscal year end, Orange County Bancorp held $2.66B in total assets against $2.38B in total liabilities.
Open the full interactive Orange County Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Orange County Bancorp Key Stats
| Share Price | $36.98 |
|---|---|
| Market Cap | $494.8M |
| P/E Ratio | 11.1 |
| Dividend Yield | 1.81% |
| Revenue YoY Growth | +18.1% |
| 52-Week Range | $22.93 – $39.01 |
| Shares Outstanding | 13.4 million (basic, 2026 Q2) |
Orange County Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $60.5M | $78.1M | $88.4M | $91.8M | $104.1M |
| Provision for Credit Losses | $2.4M | $9.5M | $7.9M | $7.7M | $7.7M |
| Noninterest Income | $12.1M | $12.0M | $13.4M | $16.0M | $23.1M |
| Noninterest Expense | $43.5M | $50.3M | $56.8M | $65.2M | $67.9M |
| Revenue | $72.6M | $90.1M | $101.8M | $107.7M | $127.2M |
| Pre-Tax Income | $26.7M | $30.3M | $37.1M | $34.8M | $51.6M |
| Income Tax | $5.4M | $5.9M | $7.7M | $6.9M | $9.9M |
| Net Income | $21.3M | $24.4M | $29.5M | $27.9M | $41.6M |
| Diluted EPS | $2.14 | $2.17 | $2.62 | $2.47 | $3.33 |
Orange County Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $33.7M | $33.0M | $32.1M | $27.8M |
| Net Income | $10.0M | $12.4M | $11.3M | $13.7M |
| Diluted EPS | $0.75 | $0.99 | $0.85 | $1.02 |
Orange County Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Loans (Net) | $1.27B | $1.55B | $1.72B | $1.79B | $1.92B |
| Total Assets | $2.14B | $2.29B | $2.49B | $2.51B | $2.66B |
| Deposits | $1.91B | $1.97B | $2.04B | $2.15B | $2.31B |
| Total Long-Term Debt | $22.4M | $150.9M | $244.0M | $133.1M | $34.6M |
| Total Liabilities | $1.96B | $2.15B | $2.32B | $2.32B | $2.38B |
| Shareholders' Equity | $182.8M | $138.1M | $165.4M | $185.5M | $284.4M |
Orange County Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $20.3M | $30.5M | $44.5M | $34.6M | $43.8M |
| Cash From Investing | -$291.3M | -$434.1M | -$144.9M | -$29.4M | -$74.2M |
| Cash From Financing | $455.9M | $183.5M | $161.7M | -$2.2M | $84.2M |
| Free Cash Flow | $18.4M | $28.9M | $41.0M | $32.9M | $41.3M |
| Dividends Paid | $4.0M | $4.7M | $5.2M | $5.3M | $7.1M |
Figures from Orange County Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Orange County Bancorp financials page for every line item.
Orange County Bancorp Company Profile
| Ticker | OBT |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Middletown, New York |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0001754226 |
Frequently Asked Questions
What was Orange County Bancorp's revenue in fiscal 2025?
Orange County Bancorp (OBT) reported revenue of $127.2M for fiscal 2025.
What is Orange County Bancorp's annual revenue history?
Orange County Bancorp's annual revenue by fiscal year: 2021: $72.6M; 2022: $90.1M; 2023: $101.8M; 2024: $107.7M; 2025: $127.2M.
What was Orange County Bancorp's net income in fiscal 2025?
Orange County Bancorp reported net income of $41.6M for fiscal 2025.
What was Orange County Bancorp's earnings per share (EPS) in fiscal 2025?
Orange County Bancorp's diluted EPS was $3.33 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Orange County Bancorp generate in fiscal 2025?
Orange County Bancorp generated $41.3M of free cash flow in fiscal 2025.
What was Orange County Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Orange County Bancorp reported revenue of $27.8M.
How much debt does Orange County Bancorp have?
Orange County Bancorp reported $34.6M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Orange County Bancorp are outstanding?
Orange County Bancorp reported a weighted average of 13.4 million basic shares outstanding in 2026 Q2.
What is Orange County Bancorp's market cap?
Based on its latest closing price, Orange County Bancorp (OBT) has a market capitalization of about $494.8M.
When does Orange County Bancorp's fiscal year end?
Orange County Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Orange County Bancorp headquartered?
Orange County Bancorp lists its business address in Middletown, New York in its SEC filings.