OBT - NASDAQ

Orange County Bancorp, Inc.

OBT·NASDAQ

$34.36

-2.7%

Financial ServicesBanks - Regional

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments, and affluent individuals. It accepts various deposit products, 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. The company operates 14 full-service branches and one 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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$460.70M

EPS3.3300

P/E Ratio8.58

Earnings Date08/05/2026

2.66B

Assets

3Y+16.0%

5Y+60.0%

10Y+192.0%

2.38B

Total Liabilities

3Y+11.0%

5Y+55.0%

10Y+191.0%

284.36M

Total Equity

53%

3Y+106.0%

5Y+110.0%

10Y+208.0%

Orange County Bancorp, Inc. Funding & Solvency Profile

OBT · NASDAQ

Current Assets

Cash & Cash Equivalents204.23M

Net Receivables10.38M

Inventory0.00

Other Current Assets0.00

Total Current Assets373 M

Non-Current Assets

Property, Plant & Equipment15.48M

Goodwill & Intangible Assets5.89M

Long-Term Investments1.92B

Other Non-Current Assets343.10M

Total Non-Current Assets2 B

Total Assets

2.66B

Financial Health Analysis

Current Ratio

0.16x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.35x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1937418000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

14% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Orange County Bancorp, Inc. Balance Sheet

OBT • NASDAQ

Orange County Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	204.2M	150.3M	147.4M	86.1M	306.2M	121.2M	25.1M	18.4M	30.2M	27.3M	15.6M	9.5M	10.3M	11.3M	0.0
Short-Term Investments	158.3M	443.8M	489.9M	533.5M	464.8M	330.1M	254.9M	255.5M	297.7M	279.3M	304.8M	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	362.6M	594.1M	637.3M	619.5M	771M	451.3M	280M	273.9M	327.9M	306.6M	320.4M	9.5M	10.3M	11.3M	0.0
Net Receivables	10.4M	6.7M	5.9M	6.3M	6.6M	6.3M	3.2M	3M	2.8M	2.6M	2.5M	0.0	0.0	0.0	0.0
Accounts Receivables	10.4M	6.7M	5.9M	6.3M	6.6M	6.3M	3.2M	3M	2.8M	2.6M	2.5M	0.0	0.0	0.0	0.0
Total Current Assets	373M	600.8M	643.3M	625.9M	777.6M	457.6M	283.2M	276.9M	330.7M	309.2M	322.9M	9.5M	10.3M	11.3M	0.0
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	15.5M	15.8M	16.2M	18.8M	14.6M	14M	14.6M	13.9M	13.7M	14.3M	14.4M	13.8M	14.1M	14.4M	13.1M
Goodwill	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	0.0
Intangible Assets	535K	821K	1.1M	1.4M	1.7M	2M	2.2M	2.5M	2.8M	3.1M	3.4M	3.7M	4M	4.2M	0.0
Goodwill & Intangible Assets	5.9M	6.2M	6.5M	6.8M	7M	7.3M	7.6M	7.9M	8.2M	8.5M	8.8M	9M	9.3M	9.6M	0.0
Long-Term Investments	1.9B	1.8B	1.7B	1.5B	1.3B	1.1B	879.8M	726.4M	569.4M	534.1M	437.2M	0.0	0.0	0.0	0.0
Tax Assets	0.0	0.0	0.0	19.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5.4M
Other Non-Current Assets	343.1M	97.5M	97.7M	69.3M	69.6M	49.4M	44.3M	39.7M	38.7M	43.6M	39.6M	693.8M	644M	0.0	-18.5M
Total Non-Current Assets	2.3B	1.9B	1.8B	1.7B	1.4B	1.2B	946.3M	788M	630M	600.5M	499.9M	716.6M	667.5M	24M	0.0
Other Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	628.5M	637.8M
Total Assets	2.7B	2.5B	2.5B	2.3B	2.1B	1.7B	1.2B	1.1B	960.7M	910.7M	822.8M	726.1M	677.8M	663.8M	637.8M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	0.0	23.9M	23M	17.9M	16.4M	12.8M	13.8M	17.1M	16.1M	8.6M	7.9M	0.0	0.0
Short Term Debt	0.0	113.5M	224.5M	131.5M	0.0	0.0	0.0	0.0	0.0	25M	0.0	0.0	4M	0.0	12.8M
Other Current Liabilities	2.3B	2.2B	2B	2B	1.9B	1.5B	1.1B	905M	808.8M	712M	638.6M	0.0	-4M	6.9M	-12.8M
Total Current Liabilities	2.3B	2.3B	2.3B	2.1B	1.9B	1.5B	1.1B	917.8M	822.6M	754.2M	654.6M	8.6M	7.9M	6.9M	0.0
NON-CURRENT LIABILITIES
Long Term Debt	34.6M	29.6M	29.5M	19.4M	22.4M	22.3M	8M	38.6M	23.1M	63.2M	73.2M	73.3M	73.3M	73.3M	70M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.9M
Other Non-Current Liabilities	30.1M	27.9M	27.3M	0.0	0.0	0.0	0.0	0.0	23.8M	0.0	0.0	554.5M	502.5M	0.0	-74.9M
Total Non-Current Liabilities	64.6M	57.5M	56.8M	19.4M	22.4M	22.3M	8M	38.6M	46.9M	63.2M	73.2M	627.8M	575.8M	73.3M	0.0
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	488.7M	545.7M
Total Liabilities	2.4B	2.3B	2.3B	2.1B	2B	1.5B	1.1B	956.3M	869.4M	817.3M	727.9M	627.8M	583.7M	568.9M	545.7M
SHAREHOLDERS' EQUITY
Treasury Stock	-199K	-375K	-1.1M	-1.3M	-1.3M	-1.5M	-926K	-1.2M	-1.4M	-1.5M	-1.7M	-1.4M	-1.8M	-1.5M	-1.5M
Common Stock	3.3M	2.8M	2.8M	2.8M	2.8M	2.3M	2.3M	2.3M	2M	998K	998K	998K	1M	1M	1M
Additional Paid-In Capital	164.6M	120.9M	120.4M	120.1M	119.8M	85.1M	85.2M	85.5M	69.5M	70.5M	70.5M	0.0	0.0	1.2M	1.2M
Retained Earnings	164.4M	129.9M	107.4M	84.6M	64.9M	47.7M	39.6M	31M	26.7M	26.6M	27.1M	30.5M	27.5M	92.8M	0.0
Accumulated Other Comprehensive Income/Loss	-47.8M	-67.8M	-64.1M	-68.2M	-3.4M	1.8M	-4M	-9M	-5.5M	-4.2M	-2M	68.3M	67.3M	0.0	91.5M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.4M	0.0
Total Stockholders' Equity	284.4M	185.5M	165.4M	138.1M	182.8M	135.4M	120.9M	108.5M	91.3M	92.4M	95M	98.4M	94.1M	94.8M	92.2M
Total Equity	284.4M	185.5M	165.4M	138.1M	182.8M	135.4M	120.9M	108.5M	91.3M	92.4M	95M	98.4M	94.1M	94.8M	92.2M
SUMMARY
Total Liabilities & Equity	2.7B	2.5B	2.5B	2.3B	2.1B	1.7B	1.2B	1.1B	960.7M	910.7M	822.8M	726.1M	677.8M	668.8M	637.8M
Total Investments	2.1B	2.2B	2.2B	2.1B	1.7B	1.5B	1.1B	981.9M	867.1M	813.4M	742M	0.0	0.0	0.0	0.0
Total Debt	34.6M	143.1M	254M	150.9M	22.4M	22.3M	8M	38.6M	23.1M	88.2M	73.2M	73.3M	73.3M	73.3M	82.8M
Net Debt	-169.7M	-7.2M	106.6M	64.9M	-283.8M	-98.9M	-17.1M	20.2M	-7.1M	60.8M	57.6M	63.7M	63M	-11.3M	82.8M
Shares Outstanding	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900	13,362,900

SEC Filings

OBT - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 27, 2026	May 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 22, 2026	May 22, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 11, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 28, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 15, 2026	May 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 25, 2026	March 19, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 16, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 20, 2026	February 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 04, 2026	February 04, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 24, 2025	November 24, 2025	2025	View Filing

Showing 1 to 10 of 116 filings

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