Orange County Bancorp, Inc. /DE/
OBT Nasdaq State Commercial Banks Financials FY2020–FY2025
Last close · Oct 23, 2026
$38.31
0.2%
Revenue
Total sales reported in the income statement.
$127M
18.1%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
53.4%
7.1 pts
Net income
Profit after all expenses, interest and tax.
$41.6M
49.2%
Return on equity
Net income as a share of average shareholders' equity.
17.7%
1.8 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$513M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
10.8x
On $3.56 EPS (TTM)
What Orange County Bancorp, Inc. /DE/ does
No business description yet.
- Legal name
- Orange County Bancorp, Inc. /DE/
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Accession · CIK
- 0001104659-26-028308
0001754226
Revenue and margins
Orange County Bancorp, Inc. /DE/ had $127M of revenue in fiscal 2025, up 18.1% on the year before.
FY20
Revenue $60.2M
FY21
Revenue $72.6M
FY22
Revenue $90.1M
FY23
Revenue $102M
FY24
Revenue $108M
FY25
Revenue $127M
Q3 '23
Revenue $25.7M
Q4 '23
Revenue $25.9M
Q1 '24
Revenue $25.3M
Q2 '24
Revenue $27.9M
Q3 '24
Revenue $27.1M
Q4 '24
Revenue $27.4M
Q1 '25
Revenue $28.0M
Q2 '25
Revenue $32.5M
Q3 '25
Revenue $33.7M
Q4 '25
Revenue $33.0M
Q1 '26
Revenue $32.1M
Q2 '26
Revenue $27.8M
FY20
Net interest share 81.0%
Efficiency ratio 66.9%
FY21
Net interest share 83.3%
Efficiency ratio 59.9%
FY22
Net interest share 86.7%
Efficiency ratio 55.8%
FY23
Net interest share 86.8%
Efficiency ratio 55.8%
FY24
Net interest share 85.2%
Efficiency ratio 60.5%
FY25
Net interest share 81.8%
Efficiency ratio 53.4%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 87.5%
Efficiency ratio 52.8%
Q4 '23
Net interest share 85.5%
Efficiency ratio 56.9%
Q1 '24
Net interest share 85.4%
Efficiency ratio 60.5%
Q2 '24
Net interest share 86.4%
Efficiency ratio 55.5%
Q3 '24
Net interest share 84.6%
Efficiency ratio 58.8%
Q4 '24
Net interest share 84.3%
Efficiency ratio 67.4%
Q1 '25
Net interest share 84.4%
Efficiency ratio 58.9%
Q2 '25
Net interest share 77.5%
Efficiency ratio 51.6%
Q3 '25
Net interest share 79.9%
Efficiency ratio 49.9%
Q4 '25
Net interest share 85.8%
Efficiency ratio 53.9%
Q1 '26
Net interest share 87.0%
Efficiency ratio 55.9%
Q2 '26
Net interest share 102.2%
Efficiency ratio 62.1%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2020 to 2025, diluted EPS grew 5.2% a year. Loss periods are shown in red.
FY20
Net income $11.7M
FY21
Net income $21.3M
FY22
Net income $24.4M
FY23
Net income $29.5M
FY24
Net income $27.9M
FY25
Net income $41.6M
Q3 '23
Net income $9.0M
Q4 '23
Net income $8.1M
Q1 '24
Net income $9.3M
Q2 '24
Net income $8.2M
Q3 '24
Net income $3.2M
Q4 '24
Net income $7.2M
Q1 '25
Net income $8.7M
Q2 '25
Net income $10.5M
Q3 '25
Net income $10.0M
Q4 '25
Net income $12.4M
Q1 '26
Net income $11.3M
Q2 '26
Net income $13.7M
FY20
Diluted EPS $2.59
FY21
Diluted EPS $4.28
FY22
Diluted EPS $4.33
FY23
Diluted EPS $2.62
FY24
Diluted EPS $2.47
FY25
Diluted EPS $3.33
Q3 '23
Diluted EPS $1.61
Q4 '23
Diluted EPS −$1.17
Q1 '24
Diluted EPS $0.82
Q2 '24
Diluted EPS $0.73
Q3 '24
Diluted EPS $0.28
Q4 '24
Diluted EPS $0.64
Q1 '25
Diluted EPS $0.77
Q2 '25
Diluted EPS $0.87
Q3 '25
Diluted EPS $0.75
Q4 '25
Diluted EPS $0.94
Q1 '26
Diluted EPS $0.85
Q2 '26
Diluted EPS $1.02
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY20
ROE 8.6%
ROTE 9.1%
Efficiency ratio 66.9%
FY21
ROE 13.4%
ROTE 12.1%
Efficiency ratio 59.9%
FY22
ROE 15.2%
ROTE 18.5%
Efficiency ratio 55.8%
FY23
ROE 19.4%
ROTE 18.6%
Efficiency ratio 55.8%
FY24
ROE 15.9%
ROTE 15.5%
Efficiency ratio 60.5%
FY25
ROE 17.7%
ROTE 14.9%
Efficiency ratio 53.4%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Orange County Bancorp, Inc. /DE/ returned $7.1M to shareholders in fiscal 2025, 17% of free cash flow. The diluted share count rose 10.7%.
FY20
Dividends $3.6M
Buybacks —
FY21
Dividends $4.0M
Buybacks —
FY22
Dividends $4.7M
Buybacks —
FY23
Dividends $5.2M
Buybacks —
FY24
Dividends $5.3M
Buybacks —
FY25
Dividends $7.1M
Buybacks —
Dividends
Buybacks
Q3 '23
Dividends $1.3M
Buybacks —
Q4 '23
Dividends $1.3M
Buybacks —
Q1 '24
Dividends $1.3M
Buybacks —
Q2 '24
Dividends $1.3M
Buybacks —
Q3 '24
Dividends $1.3M
Buybacks —
Q4 '24
Dividends $1.4M
Buybacks —
Q1 '25
Dividends $1.5M
Buybacks —
Q2 '25
Dividends $1.5M
Buybacks —
Q3 '25
Dividends $1.7M
Buybacks —
Q4 '25
Dividends $2.4M
Buybacks —
Q1 '26
Dividends $2.4M
Buybacks —
Q2 '26
Dividends $2.4M
Buybacks —
Dividends
Buybacks
FY20
Diluted shares 0.00B
FY21
Diluted shares 0.00B
FY22
Diluted shares 0.01B
FY23
Diluted shares 0.01B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY20
Loans $1.1B
Deposits $1.5B
FY21
Loans $1.3B
Deposits $1.9B
FY22
Loans $1.5B
Deposits $2.0B
FY23
Loans $1.7B
Deposits $2.0B
FY24
Loans $1.8B
Deposits $2.2B
FY25
Loans $1.9B
Deposits $2.3B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $1.3B | $1.5B | $1.7B | $1.8B | $1.9B |
| Deposits | $1.9B | $2.0B | $2.0B | $2.2B | $2.3B |
| Loans / deposits | 66.5% | 78.4% | 84.5% | 83.1% | 83.2% |
| Total assets | $2.1B | $2.3B | $2.5B | $2.5B | $2.7B |
| Shareholders' equity | $183M | $138M | $165M | $186M | $284M |
| Goodwill | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M |
| Intangible assets | $1.7M | $1.4M | $1.1M | $0.8M | $0.5M |
| Provision / loans | 0.2% | 0.6% | 0.5% | 0.4% | 0.4% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
6 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|
| Income statement | ||||||
| Revenue | $60.2M | $72.6M | $90.1M | $102M | $108M | $127M |
| Net interest income | $48.7M | $60.5M | $78.1M | $88.4M | $91.8M | $104M |
| Noninterest income | $11.4M | $12.1M | $12.0M | $13.4M | $16.0M | $23.1M |
| Noninterest expense | $40.2M | $43.5M | $50.3M | $56.8M | $65.2M | $67.9M |
| Provision for credit losses | $5.4M | $2.4M | $9.5M | $7.9M | $7.7M | $7.7M |
| Interest expense | $4.7M | $4.0M | $6.1M | $29.4M | — | — |
| Pretax income | $14.5M | $26.7M | $30.3M | $37.1M | $34.8M | $51.6M |
| Income tax | $2.8M | $5.4M | $5.9M | $7.7M | $6.9M | $9.9M |
| Net income | $11.7M | $21.3M | $24.4M | $29.5M | $27.9M | $41.6M |
| Diluted EPS | $2.59 | $4.28 | $4.33 | $2.62 | $2.47 | $3.33 |
| Diluted shares | 0.00B | 0.00B | 0.01B | 0.01B | 0.01B | 0.01B |
| Cash flow | ||||||
| Cash from operations | $11.3M | $20.3M | $30.5M | $44.5M | $34.6M | $43.8M |
| Capital expenditure | $0.7M | $2.0M | $1.5M | $3.5M | $1.7M | $2.5M |
| Free cash flow | $10.7M | $18.4M | $28.9M | $41.0M | $32.9M | $41.3M |
| Depreciation and amortization | $1.3M | $1.4M | $1.4M | $1.7M | $1.7M | $1.5M |
| Stock-based compensation | $0.2M | $0.1M | $0.5M | $0.8M | $1.8M | $1.1M |
| Dividends paid | $3.6M | $4.0M | $4.7M | $5.2M | $5.3M | $7.1M |
| Dividends and buybacks | $3.6M | $4.0M | $4.7M | $5.2M | $5.3M | $7.1M |
| Balance sheet | ||||||
| Cash and short-term investments | $121M | $306M | $86.1M | $147M | $150M | $204M |
| Loans, net | $1.1B | $1.3B | $1.5B | $1.7B | $1.8B | $1.9B |
| Deposits | $1.5B | $1.9B | $2.0B | $2.0B | $2.2B | $2.3B |
| Property and equipment, net | $14.0M | $14.6M | $14.7M | $16.2M | $15.8M | $15.5M |
| Goodwill | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M |
| Intangible assets | $2.0M | $1.7M | $1.4M | $1.1M | $0.8M | $0.5M |
| Total assets | $1.7B | $2.1B | $2.3B | $2.5B | $2.5B | $2.7B |
| Total liabilities | $1.5B | $2.0B | $2.1B | $2.3B | $2.3B | $2.4B |
| Shareholders' equity | $135M | $183M | $138M | $165M | $186M | $284M |
| Margins | ||||||
| Net margin | 19.4% | 29.3% | 27.0% | 29.0% | 25.9% | 32.7% |
| FCF margin | 17.7% | 25.3% | 32.1% | 40.2% | 30.5% | 32.5% |
| Net interest share of revenue | 81.0% | 83.3% | 86.7% | 86.8% | 85.2% | 81.8% |
| Efficiency ratio | 66.9% | 59.9% | 55.8% | 55.8% | 60.5% | 53.4% |
| Returns | ||||||
| Return on equity | 8.6% | 13.4% | 15.2% | 19.4% | 15.9% | 17.7% |
| Return on assets | 0.7% | 1.1% | 1.1% | 1.2% | 1.1% | 1.6% |
| Return on tangible equity | 9.1% | 12.1% | 18.5% | 18.6% | 15.5% | 14.9% |
| Growth | ||||||
| Revenue growth | — | 20.6% | 24.1% | 13.0% | 5.8% | 18.1% |
| Net income growth | — | 82.3% | 14.5% | 21.0% | −5.4% | 49.2% |
| EPS growth | — | 65.3% | 1.2% | −39.5% | −5.7% | 34.8% |
| FCF growth | — | 72.4% | 57.6% | 41.6% | −19.8% | 25.7% |
| Share count change | — | 10.2% | 13.1% | 100.3% | 0.4% | 10.7% |
| Financial health | ||||||
| Loans / deposits | 76.3% | 66.5% | 78.4% | 84.5% | 83.1% | 83.2% |
| Provision / loans | 0.5% | 0.2% | 0.6% | 0.5% | 0.4% | 0.4% |
| Capital allocation | ||||||
| Capex / revenue | 1.2% | 2.7% | 1.7% | 3.5% | 1.6% | 2.0% |
| Stock comp / revenue | 0.3% | 0.1% | 0.6% | 0.8% | 1.6% | 0.9% |
| Payouts / FCF | 33.7% | 21.9% | 16.1% | 12.7% | 16.2% | 17.2% |
| Quality scores | ||||||
| Accruals ratio | 0.0% | 0.1% | −0.3% | −0.6% | −0.3% | −0.1% |
Source: SEC EDGAR XBRL filings (CIK 0001754226). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.