Saturday 17 October 2026 Export OBT’s income statement to Excel — free account

Orange County Bancorp, Inc.

Orange County Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.1 million, up 10.4% from fiscal 2024. In the quarter to June 2026, revenue fell 16.3%, EPS grew 17.2%, free cash flow grew 491.7% and total debt fell 31.6%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.

37.19 0.46 +1.25%

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Market cap: $492.5M
P/E: 10.5×
Fwd P/E: 10.3×
Dividend yield: 1.94%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.01

Total sells 0.20

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	1	—	—	—	—	—	—	—
Sell	—	1	—	—	—	—	—	—	1	1	—	—

Insider Ownership 10.92%

Capital & Financial Ratios $m

Market Cap 492.48

Revenue 153.87

Net Income 47.39

Free Cash Flow 64.67

Net Debt (300.32)

Current Ratio 0.93

Debt/Equity 0.11

P/E ratio 10.48

Fwd P/E 10.30

P/S ratio 3.23

P/B ratio 1.62

Past 5Y EPS Growth 20.79%

This Y EPS Growth 21.88%

Next Y EPS Growth 8.70%

Next Y revenue growth 9.84%

Next 5Y EPS Growth 12.22%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.34%

10-year low 10-year high

P/S against its own 10 years 95.98%

10-year low 10-year high

P/B against its own 10 years 74.39%

10-year low 10-year high

Dividends

Payout Ratio 0.20

Annual Dividend Rate 0.72

Annual Dividend Yield 1.94%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.89	0.18 0.18 0.18
2025	0.71	0.13 0.13 0.13 0.18
2024	0.47	0.12 0.12 0.12 0.13
2023	0.46	0.12 0.12 0.12 0.12
2022	0.42	0.10 0.10 0.10 0.12
2021	0.70	0.20 0.20 0.20 0.10
2020	0.80	0.20 0.20 0.20 0.20
2019	0.80	0.20 0.20 0.20 0.20
2018	0.81	0.20 0.21 0.20 0.20
2017	0.82	0.21 0.21 0.21 0.21
2016	1.03	0.21 0.21 0.21 0.21 0.21

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	11.38	11.50	12.00	13.25	11.00	13.63	16.16	13.44	20.50	20.97	Analyst estimates 2026–2028 Powerpack
	High	12.75	14.01	27.90	15.50	15.48	20.86	24.00	32.01	33.06	30.25
People
People	Employees	—	150	—	170	—	206	204	197	225	235
	Revenue/emp, $m	0.00	0.29	0.00	0.35	0.00	0.37	0.47	0.67	0.64	0.67
Income, $m
Income, $m	Revenue	38	43	49	59	65	77	96	131	143	158
	Gross margin, %	89.75	93.34	94.28	91.76	92.72	94.82	93.62	77.61	75.24	80.44
	EBT	4	7	9	14	15	27	30	37	35	52
	EBT margin, %	11.38	15.11	18.84	23.71	22.38	34.86	31.47	28.32	24.31	32.60
	Net income	4	2	8	11	12	21	24	29	28	42
	Depreciation	4	4	4	4	4	4	3	3	3	3
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
	Earnings	0.46	0.30	0.94	1.23	1.26	2.14	2.17	2.62	2.47	3.33
	Cash flow	1.20	1.07	1.48	1.52	1.26	2.04	2.71	3.95	3.06	3.51
	Capex	(0.06)	0.01	(0.18)	(0.21)	(0.08)	(0.20)	(0.14)	(0.28)	(0.12)	0.00
	Free cash flow	1.14	1.08	1.31	1.32	1.18	1.85	2.57	3.68	2.95	3.51
	Book value	11.80	11.66	13.45	13.42	15.02	18.40	12.29	14.69	16.41	22.73
	Shares, m	8	8	8	9	9	10	11	11	11	13
Valuation, ×
Valuation, ×	P/E	7.95	7.95	7.95	7.95	7.09	9.33	10.80	11.24	11.25	8.60
	P/S	0.00	0.00	0.00	0.00	0.98	2.61	2.74	2.52	2.19	2.26
	P/B	0.00	0.00	0.00	1.09	0.45	1.09	1.91	2.00	1.69	1.26
	EV/Sales	0.00	0.00	0.00	0.00	(0.64)	(1.14)	3.41	3.33	2.14	1.19
	EV/FCF	0.00	0.00	0.00	3.63	(2.04)	(4.74)	11.35	10.57	9.22	4.27
Cash, $m
Cash, $m	Operating cash flow	9	8	12	14	11	20	30	45	35	44
	Capex	(1)	0	(1)	(2)	(1)	(2)	(2)	(3)	(1)	0
	Free cash flow	9	8	11	12	11	18	29	41	33	44
Balance, $m
Balance, $m	Working capital	(190)	(248)	(173)	(196)	(246)	(354)	(358)	(191)	(235)	(204)
	Total debt	63	20	36	5	19	19	151	254	143	35
	Net debt	36	(10)	17	(20)	(102)	(287)	65	107	(7)	(170)
	Shareholders’ equity	92	91	109	121	135	183	138	165	186	284
Returns, %
Returns, %	ROA	0.39	0.25	0.75	0.97	0.81	1.12	1.10	1.24	1.12	1.61
	ROIC	2.12	5.01	4.57	8.63	27.07	0.00	9.32	8.54	12.21	28.10
	ROE	3.97	2.56	7.56	9.67	9.11	13.38	15.18	19.42	15.89	17.71

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BSVN Bank7 Corp.	$528.6M	13.1×	10.1×	−7.40% (below 0%: shrinking)	−25.42% (below 0%: shrinking)	+20.62% (above 0%: growing)	71.74%	0.00%	Compare
BWFG Bankwell Financial Group, Inc.	$519.5M	12.1×	9.9×	+9.58% (above 0%: growing)	+33.62% (above 0%: growing)	+64.68% (above 0%: growing)	59.05%	0.00%	Compare
HBCP Home Bancorp, Inc.	$518.5M	10.9×	11.0×	+1.51% (above 0%: growing)	+1.36% (above 0%: growing)	+15.46% (above 0%: growing)	74.76%	0.00%	Compare
BSRR Sierra Bancorp	$507.5M	11.6×	10.5×	−3.43% (below 0%: shrinking)	−1.28% (below 0%: shrinking)	+114.97% (above 0%: growing)	78.74%	0.00%	Compare
WTBA West Bancorporation, Inc.	$493.3M	12.9×	9.3×	+1.39% (above 0%: growing)	+38.30% (above 0%: growing)	+10.26% (above 0%: growing)	55.06%	0.00%	Compare
OBT Orange County Bancorp, Inc.	$492.5M	10.5×	10.3×	−16.27% (below 0%: shrinking)	+17.24% (above 0%: growing)	+491.65% (above 0%: growing)	81.95%	0.00%
COFS ChoiceOne Financial Services, Inc.	$492.3M	9.1×	8.8×	−2.56% (below 0%: shrinking)	−7.78% (below 0%: shrinking)	+165.17% (above 0%: growing)	70.71%	0.00%	Compare
PDLB Ponce Financial Group, Inc.	$488.1M	14.2×	1.8×	+10.97% (above 0%: growing)	+38.46% (above 0%: growing)	+35.79% (above 0%: growing)	59.40%	0.00%	Compare
FMAO Farmers & Merchants Bancorp Inc.	$483.7M	12.2×	10.0×	+7.70% (above 0%: growing)	+53.57% (above 0%: growing)	+2,792.25% (above 0%: growing)	67.25%	0.00%	Compare
Median of peers	$500.4M	12.2×	9.9×	+1.45%	+17.49%	+50.24%	68.98%	0.00%

All 323 Banks Regional stocks →

Orange County Bancorp, Inc. (OBT) key facts

Strength: Orange County Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.1 million, up 10.4% from fiscal 2024.
Strength: Net income was $41.6 million, or $3.33 per share (basic), a net margin of 26.3%.
Orange County Bancorp, Inc. (OBT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, OBT traded at $37.19, a market capitalization of $492.5 million.
At that price the stock trades at 10.5× trailing-twelve-month earnings and 3.2× sales; its P/E is higher than 73% of its own readings over the past ten years.
Orange County Bancorp, Inc. pays an annual dividend of $0.72 per share, a yield of 1.94%, with a payout ratio of 20.3%.
Return on equity was 17.7% and debt-to-equity 0.11.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.