OBTNasdaqState Commercial BanksFiscal year ends December 31
Orange County Bancorp, Inc. /DE/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$36.75−0.44 (-1.18%)
Close on Oct 19, 2026
- Market cap
- $491.77M
- P/E (TTM)
- 10.4
- Dividend yield
- 1.55%
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
32.7%+13.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +18.1% | +12.2% | +16.2% | – | |
| Net income | +49.2% | +19.5% | +28.9% | – | |
| EPS, diluted | +34.8% | +15.4% | +20.8% | – | |
| Free cash flow | +25.7% | +12.6% | +31.2% | – | |
| Dividend per share | +21.3% | +11.2% | +7.3% | – |
Returns and balance sheet
7 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 9.1% | 17.7% | |
| Return on assets | – | – | 1.6% | |
| Capex to revenue | – | 1.2% | 2.0% | |
| Diluted shares | – | 9M | 13M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Orange County Bancorp generated $173.76M from operations and spent $37.60M on capital expenditure, dividends and share buybacks. 30% of that went back into the business.
Generated
$173.76M
Used
$37.60M
Capital expenditure$11.29M30%Dividends$26.31M70%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin32.7%
×Asset turnover0.05×
×Equity multiplier11.00×
=Return on equity, FY202517.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 32.7% | 0.05× | 11.00× | 17.7% |
| FY2024 | 25.9% | 0.04× | 14.24× | 15.9% |
| FY2023 | 29.0% | 0.04× | 15.73× | 19.4% |
| FY2022 | 27.0% | 0.04× | 13.80× | 15.2% |
| FY2021 | 29.3% | 0.04× | 11.96× | 13.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$41.61M
- Cash generatingOperating cash flow above zero$43.85M
- Return on assets improvedROA up on the prior year1.1% → 1.7%
- Earnings backed by cashOperating cash flow above net income$43.85M vs $41.61M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise11M → 13M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.05