Orange County Bancorp, Inc. /DE/ OBT

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Orange County Bancorp, Inc. (the "Company") is a bank holding company incorporated under Delaware law in 2007 and headquartered in Middletown, New York. Through its wholly owned subsidiaries, Orange Bank & Trust Company, a New York state-chartered trust company (the "Bank") and Orange Investment Advisors, Inc., a registered investment advisor ("OIA"), the Company offers full- service commercial and consumer banking products and services and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments and individuals in the Lower Hudson Valley region, the New York metropolitan area and nearby markets in Connecticut and New Jersey. The Company's main office is located at 212 Dolson Avenue, Middletown, New York 10940.

Last close 38.31 2026-10-23
Market cap $513.7M 2026-06-30 share count
52-week range 23.25 - 40.10

Valuation FY2025 figures against the last close

P/S3.8x
P/E11.5x
P/FCF12.4x
EV/EBITDA—
Dividend yield1.4%
Diluted EPS3.33

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Revenue $135.0M$127.2M$117.8M$84.2M$64.4M$53.5M—
Interest expense $104.1M$91.8M$88.4M$6.1M$4.0M$4.7M—
Pre-tax income $51.6M$34.8M$37.1M$30.3M$26.7M$14.5M—
Income tax $9.9M$6.9M$7.7M$5.9M$5.4M$2.8M—
Net income $41.6M$27.9M$29.5M$24.4M$21.3M$11.7M—
EPS, basic 3.332.472.624.334.282.59—
EPS, diluted 3.332.472.624.334.282.59—
Shares, diluted (wtd. avg.) 12.5M11.3M11.3M5.6M5.0M4.5M—

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Cash and equivalents $204.2M$150.3M$147.4M$86.1M$306.2M$121.2M$25.1M
Property, plant and equipment $15.5M$15.8M$16.2M$14.7M$14.6M$14.0M—
Goodwill $5.4M$5.4M$5.4M$5.4M$5.4M$5.4M$5.4M
Other intangibles $535.0K$821.0K$1.1M$1.4M$1.7M$2.0M—
Total assets $2.66B$2.51B$2.49B$2.29B$2.14B$1.66B—
Total liabilities $2.38B$2.32B$2.32B$2.15B$1.96B$1.53B—
Retained earnings $164.4M$129.9M$107.4M$84.6M$64.9M$47.7M—
Total equity $284.4M$185.5M$165.4M$138.1M$182.8M$135.4M$122.1M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Operating cash flow $43.8M$34.6M$44.5M$30.5M$20.3M$11.3M—
Depreciation and amortisation $1.5M$1.7M$1.7M$1.4M$1.4M$1.3M—
Capital expenditure $2.5M$1.7M$3.5M$1.5M$2.0M$692.0K—
Investing cash flow -$74.2M-$29.4M-$144.9M-$434.1M-$291.3M-$331.0M—
Financing cash flow $84.2M-$2.2M$161.7M$183.5M$455.9M$415.7M—
Dividends paid $7.1M$5.3M$5.2M$4.7M$4.0M$3.6M—
Buybacks $158.0K$518.0K$447.0K$308.0K$379.0K$1.2M—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-028308.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2020: 53.5M Net income, FY2020: 11.7M Revenue, FY2021: 64.4M Net income, FY2021: 21.3M Revenue, FY2022: 84.2M Net income, FY2022: 24.4M Revenue, FY2023: 117.8M Net income, FY2023: 29.5M Revenue, FY2024: 127.2M Net income, FY2024: 27.9M Revenue, FY2025: 135M Net income, FY2025: 41.6M FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $53.5M $64.4M $84.2M $117.8M $127.2M $135.0M
Gross profit — — — — — — —
Net income — $11.7M $21.3M $24.4M $29.5M $27.9M $41.6M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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