Pricing Log in Create free account
Friday 6 November 2026 Export OBT’s income statement to Excel — free account

Orange County Bancorp, Inc.

OBT Financial Banks Regional

Orange County Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.1 million, up 10.4% from fiscal 2024.

Revenue
−16.3%
EPS
+17.2%
Free cash flow
+491.7%
Total debt
−31.6%

Quarter to June 2026, against a year earlier

40.23 0.37 +0.93%
Market cap
$534.6M
P/E
11.2×
Fwd P/E
10.5×
Dividend yield
1.81%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.01
Sold, $m 0.28
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 — — — — — — — —
Sell 1 — — — — — — 1 1 — — 1
Insider Ownership 10.92%

Capital & Financial Ratios $m

Size
Market Cap 534.57
Revenue ttm 153.87
Net income ttm 47.39
Free cash flow ttm 64.67
Net debt Q (300.32)
Valuation
P/E 11.21
Forward P/E 10.50
Price / sales 3.46
Forward P/S Powerpack
Price / FCF 8.23
Price / book 1.74
Financial health
Current ratio Q 0.93
Debt / equity Q 0.11
Interest coverage Q —
Growth
Revenue growth Q −16.27% (below 0%: shrinking)
Operating income growth Q −14.93% (below 0%: shrinking)
EPS, this year +26.27% (at or above 15%: strong)
EPS, next year A +5.11%
Revenue, next year A +13.58% (at or above 10%: strong)
EPS, past 5 yrs +20.79% (at or above 15%: strong)
EPS, next 5 yrs A +13.23%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 90.41%
10-year low 10-year high
P/S against its own 10 years 99.87%
10-year low 10-year high
P/B against its own 10 years 86.21%
10-year low 10-year high

Dividends raised 3 years running

Yield
1.81%
Annual rate
0.72
Payout ratio
20.3%
Growth, 2017–25
−4.44%/yr
  1. 0.82 ’17
  2. 0.81 ’18 −1
  3. 0.80 ’19 −1
  4. 0.80 ’20 +0
  5. 0.70 ’21 −13
  6. 0.42 ’22 −41
  7. 0.46 ’23 +11
  8. 0.47 ’24 +2
  9. 0.57 ’25 +21
  10. 0.91 ’26e +59
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 147 150 204 335
Receivables — — — —
Inventory — — — —
Other — — — —
1,875 1,947 2,137 2,293
2023 2024 2025 Q'26
Payables 2,039 2,153 2,310 2,431
ST’ Debt — — — —
Other — — — —
2,066 2,181 2,340 2,459

Compound Annual Growth %

10y 5y 3y
Sales — 19.50% 18.01%
Cash Flow — 31.05% 12.88%
Earnings — 28.93% 19.54%
Book Value — 15.99% 27.21%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.82 Actual 0.93

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY25 0.76 0.87 Beat by 0.11
Q3 FY25 0.68 0.75 Beat by 0.07
Q4 FY25 0.75 0.93 Beat by 0.18
Q3 FY26 0.82 0.93 Beat by 0.11
Q4 FY26 0.84 — Reports 3 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.85 1.02 — — —
’25 0.77 0.87 0.75 0.93 3.33
’24 0.83 0.73 0.29 0.63 2.47
’23 0.29 0.81 0.81 0.72 2.62
’22 0.48 0.19 0.70 0.81 2.17
’21 0.56 0.58 0.53 0.49 2.14
’20 0.54 0.32 0.32 0.74 1.30
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 39 34 — — —
’25 36 41 41 40 158
’24 35 36 36 37 143
’23 30 33 33 35 131
’22 20 21 26 29 96
’21 18 19 20 20 77
’20 14 16 16 16 65
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 10 13 — — —
’25 5 (5) 30 14 44
’24 2 9 10 13 35
’23 8 9 11 16 45
’22 3 7 13 7 30
’21 2 5 7 6 20
’20 — 3 5 — 11
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 10 12 — — —
’25 4 (3) 30 13 44
’24 2 9 10 12 33
’23 6 9 11 16 41
’22 3 7 12 7 29
’21 2 4 7 5 18
’20 — 3 5 — 11
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 38 43 49 59 65 77 96 131 143 158 154 +17.1% 180 190 204 +8.8%
Gross margin, % 89.75 93.34 94.28 91.76 92.72 94.82 93.62 77.61 75.24 80.44 82.32 (9.3) pt
EBT 4 7 9 14 15 27 30 37 35 52 53 +31.6%
EBT margin, % 11.38 15.11 18.84 23.71 22.38 34.86 31.47 28.32 24.31 32.60 34.33 +21.2 pt
Net income 4 2 8 11 12 21 24 29 28 42 47 +31.1%
Per share, $
Per share, $ Revenue 4.89 5.50 6.04 6.52 7.19 7.70 8.56 11.65 12.67 12.64 11.50 +11.1%
Earnings 0.46 0.30 0.94 1.23 1.26 2.14 2.17 2.62 2.47 3.33 3.55 +24.5%
Cash flow 1.20 1.07 1.48 1.52 1.26 2.04 2.71 3.95 3.06 3.51 4.99 +12.6%
Capex (0.06) 0.01 (0.18) (0.21) (0.08) (0.20) (0.14) (0.28) (0.12) 0.00 (0.16) n/m
Free cash flow 1.14 1.08 1.31 1.32 1.18 1.85 2.57 3.68 2.95 3.51 4.83 +13.3%
Book value 11.80 11.66 13.45 13.42 15.02 18.40 12.29 14.69 16.41 22.73 22.92 +7.6%
Shares, m 8 8 8 9 9 10 11 11 11 13 13 +5.3%
Valuation, ×
Valuation, × P/E 7.95 7.95 7.95 7.95 7.09 9.33 10.79 11.24 11.25 8.60 11.21 9.0
P/S 0.00 0.00 0.00 0.00 0.98 2.61 2.74 2.52 2.19 2.26 3.46 1.3
P/B 0.00 0.00 0.00 1.09 0.45 1.09 1.91 2.00 1.69 1.26 1.74 0.9
EV/Sales 0.00 0.00 0.00 0.00 (0.64) (1.14) 3.41 3.33 2.14 1.19 — 0.8
EV/FCF 0.00 0.00 0.00 3.63 (2.04) (4.74) 11.35 10.57 9.22 4.27 — 3.2
Cash, $m
Cash, $m Operating cash flow 9 8 12 14 11 20 30 45 35 44 67 +18.7%
Capex (1) 0 (1) (2) (1) (2) (2) (3) (1) 0 (2) n/m
Free cash flow 9 8 11 12 11 18 29 41 33 44 65 +19.4%
Balance, $m
Balance, $m Working capital (190) (248) (173) (196) (246) (354) (358) (191) (235) (204) (166) +0.8%
Net debt 36 (10) 17 (20) (102) (287) 65 107 (7) (170) (300) n/m
Shareholders’ equity 92 91 109 121 135 183 138 165 186 284 307 +13.3%
Returns, %
Returns, % ROA 0.39 0.25 0.75 0.97 0.81 1.12 1.10 1.24 1.12 1.61 1.75 +1.2 pt
ROIC 2.12 5.01 4.57 8.63 27.07 0.00 9.32 8.54 12.21 28.10 523.60 +26.0 pt
ROE 3.97 2.56 7.56 9.67 9.11 13.38 15.18 19.42 15.89 17.71 16.95 +13.7 pt
People
People Employees — 150 — 170 — 206 204 197 225 235 — +5.8%
Revenue/emp, $m 0.00 0.29 0.00 0.35 0.00 0.37 0.47 0.67 0.64 0.67 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Orange County Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NPB Northpointe Bancshares, Inc. $549.2M 6.8× 7.9× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
BSRR Sierra Bancorp $544.1M 10.8× 10.9× −2.62% (below 0%: shrinking) +63.01% (above 0%: growing) +41.03% (above 0%: growing) 79.16% 0.00% Compare
OBT Orange County Bancorp, Inc. $534.6M 11.2× 10.5× −16.27% (below 0%: shrinking) +17.24% (above 0%: growing) +491.65% (above 0%: growing) 81.95% 0.00%
PDLB Ponce Financial Group, Inc. $528.0M 11.3× 2.1× +20.72% (above 0%: growing) +188.89% (above 0%: growing) +1,603.44% (above 0%: growing) 59.70% 0.00% Compare
NRIM Northrim BanCorp Inc $524.3M 9.4× 9.5× −9.44% (below 0%: shrinking) −47.97% (below 0%: shrinking) −115.99% (below 0%: shrinking) 85.30% 0.00% Compare
WTBA West Bancorporation, Inc. $523.4M 12.9× 11.5× +1.00% (above 0%: growing) +24.04% (above 0%: growing) +44.69% (above 0%: growing) 56.06% 0.00% Compare
CZNC Citizens & Northern Corp $507.1M 19.2× 12.9× +26.53% (above 0%: growing) +97.50% (above 0%: growing) +90.26% (above 0%: growing) 76.74% 0.00% Compare
FMAO Farmers & Merchants Bancorp Inc. $500.5M 11.6× 11.3× +6.18% (above 0%: growing) +32.48% (above 0%: growing) +35.98% (above 0%: growing) 67.12% 0.00% Compare
FRBA First Bank $493.4M 11.6× 11.5× −3.96% (below 0%: shrinking) +7.32% (above 0%: growing) −48.72% (below 0%: shrinking) 62.19% 0.00% Compare
Median of peers $523.9M 11.5× 11.1× +3.59% +28.26% +42.86% 64.66% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 15 April 2026

Ownership

Directors and executive officers, together 8.20%
BlackRock Portfolio Management LLC 9.20%
BlackRock, Inc. 5.50%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Orange County Bancorp, Inc. (OBT) Latest News

28 Oct

Impact 4 · · GlobeNewswire
Impact 4 · · Simply Wall St.

23 Oct

Impact 3 · · Zacks

6 Oct

Impact 3 · · GlobeNewswire

24 Sep

Impact 3 · · Zacks

28 Jul

Impact 4 ·
Impact 3 ·

28 Apr

Impact 4 · · GlobeNewswire

11 Feb

Impact 3 · · GlobeNewswire

6 Feb

Impact 3 · · Zacks

4 Feb

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire

3 Feb

Impact 4 · · Simply Wall St.

11 Dec

Impact 4 · · Simply Wall St.

1 Dec

Impact 4 · · Simply Wall St.

28 Nov

Impact 3 · · Zacks

24 Nov

Impact 3 · · GlobeNewswireSimply Wall St.ZacksSimply Wall St.Simply Wall St.Simply Wall St.ZacksSimply Wall St.

3 Nov

Impact 4 · · Simply Wall St.

1 Nov

Impact 4 · · Simply Wall St.

29 Oct

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire

8 Oct

Impact 3 · · GlobeNewswire

11 Sep

Impact 3 · · Simply Wall St.

10 Sep

Impact 3 ·

27 Aug

Impact 3 ·

1 Aug

Impact 4 ·

30 Jul

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire

11 Jul

Impact 3 · · Simply Wall St.

23 Jun

Impact 3 · · GlobeNewswire
stockrow.com/OBT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com