For the twelve months ended Jun 30, 2026, Orange County Bancorp Inc. reported $126.66M of revenue and $47.39M of net income.
OBT revenue was $27.82M in fiscal Q2 2026 (ended Jun 30, 2026), down 14.3% from a year earlier and down 13.3% from the prior quarter. For the full fiscal 2025 it was $127.20M, up 18.1% from fiscal 2024. Compound annual growth was +16.2% over 5 years. It rose in each of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.
OBT net income was $13.66M in fiscal Q2 2026 (ended Jun 30, 2026), up 30.6% from a year earlier and up 21.0% from the prior quarter. For the full fiscal 2025 it was $41.61M, up 49.2% from fiscal 2024. Compound annual growth was +28.9% over 5 years. It rose in 4 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.
OBT diluted EPS was $1.02 in fiscal Q2 2026 (ended Jun 30, 2026), up 17.2% from a year earlier and up 20.0% from the prior quarter. For the full fiscal 2025 it was $3.33, up 34.8% from fiscal 2024. Compound annual growth was +20.8% over 5 years.
OBT free cash flow was $12.33M in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$5.68M a year earlier and up 27.6% from the prior quarter. For the full fiscal 2025 it was $41.33M, up 25.7% from fiscal 2024. Compound annual growth was +31.2% over 5 years. It rose in 4 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 |
|---|---|---|---|---|---|---|
| Revenue | $127.20M | $107.74M | $101.81M | $90.08M | $72.56M | $60.16M |
| Interest expense | - | - | $29.38M | $6.13M | $3.97M | $4.72M |
| Pre-tax income | $51.56M | $34.82M | $37.15M | $30.28M | $26.68M | $14.52M |
| Income tax | $9.94M | $6.93M | $7.67M | $5.91M | $5.39M | $2.84M |
| Net income | $41.61M | $27.88M | $29.48M | $24.36M | $21.29M | $11.68M |
| EPS, basic | $3.33 | $2.47 | $2.62 | $2.17 | $2.14 | $1.29 |
| EPS, diluted | $3.33 | $2.47 | $2.62 | $2.17 | $2.14 | $1.29 |
| Diluted shares | 12.5M | 11.3M | 11.3M | 11.2M | 9.9M | 9.0M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 |
|---|---|---|---|---|---|---|
| Cash and equivalents | $204.23M | $150.33M | $147.38M | $86.08M | $306.18M | $121.23M |
| Goodwill | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M |
| Total assets | $2.66B | $2.51B | $2.49B | $2.29B | $2.14B | $1.66B |
| Total debt | - | - | - | - | $3.00M | $3.00M |
| Total liabilities | $2.38B | $2.32B | $2.32B | $2.15B | $1.96B | $1.53B |
| Shareholders' equity | $284.36M | $185.53M | $165.38M | $138.14M | $182.84M | $135.42M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 |
|---|---|---|---|---|---|---|
| Operating cash flow | $43.85M | $34.60M | $44.50M | $30.48M | $20.32M | $11.34M |
| Capital expenditures | $2.52M | $1.73M | $3.54M | $1.54M | $1.96M | $692.0K |
| Free cash flow | $41.33M | $32.87M | $40.96M | $28.94M | $18.36M | $10.65M |
| Investing cash flow | -$74.15M | -$29.42M | -$144.92M | -$434.11M | -$291.31M | -$330.96M |
| Financing cash flow | $84.20M | -$2.23M | $161.72M | $183.53M | $455.93M | $415.74M |
| Dividends paid | $7.10M | $5.33M | $5.19M | $4.67M | $4.03M | $3.58M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 |
|---|---|---|---|---|---|---|
| Revenue growth, YoY | 18.1% | 5.8% | 13.0% | 24.1% | 20.6% | - |
| Net income growth, YoY | 49.2% | -5.4% | 21.0% | 14.5% | 82.3% | - |
| EPS growth, YoY | 34.8% | -5.7% | 21.0% | 1.2% | 65.3% | - |
| Net margin | 32.7% | 25.9% | 29.0% | 27.0% | 29.3% | 19.4% |
| Free cash flow margin | 32.5% | 30.5% | 40.2% | 32.1% | 25.3% | 17.7% |
| Return on equity | 14.6% | 15.0% | 17.8% | 17.6% | 11.6% | 8.6% |
| Return on assets | 1.6% | 1.1% | 1.2% | 1.1% | 1.0% | 0.7% |
| Debt to equity | - | - | - | - | 0.02 | 0.02 |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $27.82M | $32.08M | $33.03M | $33.73M | $32.46M | $27.98M | $27.38M | $27.14M | $27.93M | $25.29M | $25.89M | $25.72M |
| Interest expense | - | - | - | - | - | - | - | - | $8.39M | $9.47M | $9.42M | $7.60M |
| Pre-tax income | $11.56M | $14.59M | $13.66M | $13.02M | $13.59M | $11.29M | $8.97M | $4.00M | $10.23M | $11.62M | $10.70M | $11.29M |
| Income tax | -$2.10M | $3.31M | $1.23M | $3.00M | $3.13M | $2.58M | $1.80M | $788.0K | $2.02M | $2.33M | $2.58M | $2.26M |
| Net income | $13.66M | $11.28M | $12.43M | $10.02M | $10.46M | $8.70M | $7.16M | $3.22M | $8.21M | $9.29M | $8.12M | $9.04M |
| EPS, basic | $1.02 | $0.85 | $0.94 | $0.75 | $0.87 | $0.77 | $0.64 | $0.28 | $0.73 | $0.82 | $0.73 | $0.81 |
| EPS, diluted | $1.02 | $0.85 | $0.94 | $0.75 | $0.87 | $0.77 | $0.64 | $0.28 | $0.73 | $0.82 | $0.73 | $0.81 |
| Diluted shares | 13.4M | 13.4M | - | 13.3M | 12.0M | 11.3M | - | 11.3M | 11.3M | 11.3M | - | 11.3M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $334.93M | $257.54M | $204.23M | $189.88M | $175.61M | $164.17M | $150.33M | $160.87M | $189.68M | $144.73M | $147.38M | $158.71M |
| Goodwill | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M | $5.36M |
| Total assets | $2.80B | $2.71B | $2.66B | $2.64B | $2.61B | $2.56B | $2.51B | $2.52B | $2.48B | $2.45B | $2.49B | $2.45B |
| Total liabilities | $2.49B | $2.41B | $2.38B | $2.37B | $2.35B | $2.36B | $2.32B | $2.33B | $2.30B | $2.28B | $2.32B | $2.30B |
| Shareholders' equity | $306.63M | $291.66M | $284.36M | $270.12M | $252.59M | $201.32M | $185.53M | $193.09M | $177.54M | $168.67M | $165.38M | $143.92M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $12.58M | $10.23M | $13.76M | $30.20M | -$4.95M | $4.84M | $12.83M | $10.25M | $9.27M | $2.25M | $16.01M | $10.88M |
| Capital expenditures | $250.0K | $563.0K | $695.0K | $594.0K | $733.0K | $494.0K | $1.08M | $290.0K | $108.0K | $252.0K | $481.0K | $115.0K |
| Free cash flow | $12.33M | $9.67M | $13.07M | $29.61M | -$5.68M | $4.34M | $11.75M | $9.96M | $9.16M | $2.00M | $15.53M | $10.77M |
| Investing cash flow | -$14.25M | $6.13M | -$5.39M | -$22.71M | -$21.35M | -$24.70M | -$16.75M | -$60.30M | $15.14M | $32.49M | -$38.23M | $14.34M |
| Financing cash flow | $79.06M | $36.94M | $5.98M | $6.78M | $37.73M | $33.71M | -$6.61M | $21.24M | $20.54M | -$37.41M | $10.90M | -$45.13M |
| Dividends paid | $2.41M | $2.41M | $2.40M | $1.74M | $1.48M | $1.48M | $1.42M | $1.30M | $1.30M | $1.30M | $1.30M | $1.30M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | -14.3% | 14.6% | 20.6% | 24.3% | 16.2% | 10.7% | 5.8% | 5.5% | 7.9% | 4.0% | -0.1% | 5.6% |
| Net income growth, YoY | 30.6% | 29.6% | 73.5% | 211.5% | 27.4% | -6.3% | -11.8% | -64.4% | -9.6% | 187.6% | -10.4% | 15.1% |
| EPS growth, YoY | 17.2% | 10.4% | 46.9% | 167.9% | 19.2% | -6.1% | -12.3% | -65.2% | -9.3% | 187.7% | -8.8% | 15.0% |
| Net margin | 49.1% | 35.2% | 37.6% | 29.7% | 32.2% | 31.1% | 26.2% | 11.8% | 29.4% | 36.7% | 31.4% | 35.1% |
| Free cash flow margin | 44.3% | 30.1% | 39.6% | 87.8% | -17.5% | 15.5% | 42.9% | 36.7% | 32.8% | 7.9% | 60.0% | 41.9% |
Source: XBRL data Orange County Bancorp Inc. files with the SEC, latest filing dated Aug 10, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures and share counts are restated for stock splits the filings show: 2-for-1, first reported Mar 17, 2025.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| OBT | $126.66M | +10.2% | $47.39M | 37.4% | $529.6M |
| JPM | $203.15B | +13.2% | $65.98B | 32.5% | $888.26B |
| BAC | $120.16B | +5.4% | $32.24B | 26.8% | $340.97B |
| WFC | $87.23B | +5.4% | $22.97B | 26.3% | $251.98B |
| C | $85.22B | +5.6% | $14.31B | 16.8% | $199.70B |
| UBS | $49.57B | +2.0% | $7.80B | 15.7% | $148.27B |
| COF | $63.01B | +31.2% | $10.87B | 17.2% | $121.43B |
| MFG | ¥8.79T | +7.6% | ¥1.16T | 13.2% | $116.96B |
| BNS | C$37.74B | +12.1% | C$7.79B | 20.6% | $112.48B |