Orange County Bancorp, Inc. /DE/
OBT Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$38.45
KIRA · Stoqly’s AI analyst, in plain words
- Orange County Bancorp, Inc. /DE/ had $127M of revenue in fiscal 2025, up 18.1% on the year before. Over five years, revenue changed +16.2% a year on average.
- Orange County Bancorp, Inc. /DE/ made $41.6M of net profit in fiscal 2025. From fiscal 2020 to 2025, diluted EPS grew 5.2% a year.
- 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%.
- It earned 17.7% on shareholders’ money. Running costs took 53.4% of revenue (the efficiency ratio; lower is better).
Market cap
$515M
P/E
10.8x
Revenue
$127M
Net income
$41.6M
Return on equity
17.7%
Efficiency ratio
53.4%
Orange County Bancorp, Inc. /DE/ in 30 seconds · fiscal 2025
Are sales growing?
+18.1%
Yes. Sales grew 18.1% last year.
Does it make a profit?
32.7%
Yes. It keeps 32.7% of every sale as profit.
How lean are its costs?
53.4%
Lean. Running costs take 53.4% of revenue.
How much does it earn on its capital?
17.7%
Good. It earns 17.7% a year on shareholders’ money.
How is the share priced?
10.8x
One share costs 10.8 times its yearly profit per share.
What Orange County Bancorp, Inc. /DE/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- Orange County Bancorp, Inc. /DE/
- CIK
- 0001754226
Orange County Bancorp, Inc. /DE/ · OBT
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $72.6M | $90.1M | $102M | $108M | $127M |
| Revenue growth | 20.6% | 24.1% | 13.0% | 5.8% | 18.1% |
| Net interest income | $60.5M | $78.1M | $88.4M | $91.8M | $104M |
| Net income | $21.3M | $24.4M | $29.5M | $27.9M | $41.6M |
| Net margin | 29.3% | 27.0% | 29.0% | 25.9% | 32.7% |
| Diluted EPS | $4.28 | $4.33 | $2.62 | $2.47 | $3.33 |
| Cash | |||||
| Cash from operations | $20.3M | $30.5M | $44.5M | $34.6M | $43.8M |
| Capital expenditure | $2.0M | $1.5M | $3.5M | $1.7M | $2.5M |
| Free cash flow | $18.4M | $28.9M | $41.0M | $32.9M | $41.3M |
| FCF margin | 25.3% | 32.1% | 40.2% | 30.5% | 32.5% |
| Dividends paid | $4.0M | $4.7M | $5.2M | $5.3M | $7.1M |
| Share count change | 10.2% | 13.1% | 100.3% | 0.4% | 10.7% |
| Debt and strength | |||||
| Cash and short-term investments | $306M | $86.1M | $147M | $150M | $204M |
| Loans, net | $1.3B | $1.5B | $1.7B | $1.8B | $1.9B |
| Deposits | $1.9B | $2.0B | $2.0B | $2.2B | $2.3B |
| Shareholders' equity | $183M | $138M | $165M | $186M | $284M |
| Returns and quality | |||||
| Return on equity | 13.4% | 15.2% | 19.4% | 15.9% | 17.7% |
| Return on tangible equity | 12.1% | 18.5% | 18.6% | 15.5% | 14.9% |
| Efficiency ratio | 59.9% | 55.8% | 55.8% | 60.5% | 53.4% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.2M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Orange County Bancorp, Inc. /DE/ · OBT
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $38.45 a share, the company is worth $515M: 10.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001754226). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.