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Stocks · Financials · State Commercial Banks

Orange County Bancorp, Inc. /DE/

OBT Clue Score44
United States Fiscal year ends December CIK 0001754226
$36.93 -0.86% Close, 9 Oct 2026
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Price $36.93 +4.97% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2020Net income11.7EPS, diluted2.59Fiscal year 2021Net income21.3 +82.3%EPS, diluted4.28Fiscal year 2022Net income24.4 +14.5%EPS, diluted4.33Fiscal year 2023Net income29.5 +21.0%EPS, diluted2.62Fiscal year 2024Net income27.9 −5.4%EPS, diluted2.47Fiscal year 2025Net income41.6 +49.2%EPS, diluted3.33
FY2020FY2021FY2022FY2023FY2024FY2025
Net income 11.7 21.3 24.4 29.5 27.9 41.6
Growth +82.3% +14.5% +21.0% −5.4% +49.2%
EPS, diluted 2.59 4.28 4.33 2.62 2.47 3.33

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2020Operating cash flow11.3Capital expenditure−0.7Free cash flow10.7Dividends paid−3.6Fiscal year 2021Operating cash flow20.3Capital expenditure−2.0Free cash flow18.4 +72.4%Dividends paid−4.0Fiscal year 2022Operating cash flow30.5Capital expenditure−1.5Free cash flow28.9 +57.6%Dividends paid−4.7Fiscal year 2023Operating cash flow44.5Capital expenditure−3.5Free cash flow41.0 +41.6%Dividends paid−5.2Fiscal year 2024Operating cash flow34.6Capital expenditure−1.7Free cash flow32.9 −19.8%Dividends paid−5.3Fiscal year 2025Operating cash flow43.8Capital expenditure−2.5Free cash flow41.3 +25.7%Dividends paid−7.1
FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 11.3 20.3 30.5 44.5 34.6 43.8
Capital expenditure −0.7 −2.0 −1.5 −3.5 −1.7 −2.5
Free cash flow 10.7 18.4 28.9 41.0 32.9 41.3
Growth +72.4% +57.6% +41.6% −19.8% +25.7%
Dividends paid −3.6 −4.0 −4.7 −5.2 −5.3 −7.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2020Cash121.2Shareholders’ equity135.4Fiscal year 2021Cash306.2Shareholders’ equity182.8Fiscal year 2022Cash86.1Shareholders’ equity138.1Fiscal year 2023Cash147.4Shareholders’ equity165.4Fiscal year 2024Cash150.3Shareholders’ equity185.5Fiscal year 2025Cash204.2Shareholders’ equity284.4
FY2020FY2021FY2022FY2023FY2024FY2025
Cash 121.2 306.2 86.1 147.4 150.3 204.2
Shareholders’ equity 135.4 182.8 138.1 165.4 185.5 284.4

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
19.6% 20.2% 19.5% 20.6% 19.9% 19.3%
Returns
8.6% 11.6% 17.6% 17.8% 15.0% 14.6%
0.7% 1.0% 1.1% 1.2% 1.1% 1.6%
Balance and payout
91.9% 91.5% 94.0% 93.3% 92.6% 89.3%
30.7% 18.9% 19.2% 17.6% 19.1% 17.1%
33.7% 21.9% 16.1% 12.7% 16.2% 17.2%