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Orange County Bancorp, Inc. (OBT)
Financial Services · Banks - Regional · NasdaqCM
Orange County Bancorp, Inc. revenue & earnings — last 6 fiscal years
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $89.87M | $101.69M | $107.63M | $127.11M |
| Gross profit | — | — | — | — | — | — |
| Net income | $11.68M | $21.29M | $24.36M | $29.48M | $27.88M | $41.61M |
| Net margin | — | — | 27.1% | 29.0% | 25.9% | 32.7% |
Source: Orange County Bancorp, Inc. SEC filings (10-K).
What growth is priced into OBT stock?
At today's market cap of $479.06M, Orange County Bancorp, Inc. is priced for free-cash-flow growth of about 0.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $41.33M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 31.2%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 6 years of Orange County Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Orange County Bancorp, Inc. financial history by metric
About Orange County Bancorp, Inc.
Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
Orange County Bancorp, Inc. — frequently asked questions
What is Orange County Bancorp, Inc.'s revenue?
Orange County Bancorp, Inc. (OBT) reported revenue of $127.11M for fiscal year 2025, up 18.1% from the prior year, according to its SEC filings.
Is Orange County Bancorp, Inc. profitable?
Yes. OBT earned net income of $41.61M in fiscal 2025, a net margin of 32.7%.
What is OBT's P/E ratio?
Orange County Bancorp, Inc. trades at a price-to-earnings ratio of about 10.5 based on the latest data in our nightly-refreshed cache.
How much debt does Orange County Bancorp, Inc. have?
As of fiscal year 2025, OBT carried roughly $34.55M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Orange County Bancorp, Inc.'s market cap?
Orange County Bancorp, Inc. (OBT) has a market capitalization of about $479.06M, based on the latest data in our nightly-refreshed cache.
When does Orange County Bancorp, Inc.'s fiscal year end?
OBT's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into OBT stock?
At today's market cap of $479.06M, Orange County Bancorp, Inc. is priced for free-cash-flow growth of about 0.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $41.33M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 31.2%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Orange County Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 6 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.