OBT - NASDAQ
Orange County Bancorp, Inc.
$34.36
-2.7%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.
At a Glance
Live SnapshotOrange County Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Orange County Bancorp, Inc. Cash Flow Statement
OBT • NASDAQ
| Orange County Bancorp, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||||||
41.6M | 27.9M | 29.5M | 24.4M | 21.3M | 11.7M | 11.5M | 7.6M | 2.4M | 3.6M | -160K | 6.2M | 6.5M | 7.8M | 7.6M | |
286K | 1.9M | 2M | 1.7M | 1.7M | 1.6M | 1.5M | 1.4M | 1.5M | 1M | 902K | 895K | 1M | 655.7K | 546.4K | |
0.0 | 69K | 103K | -958K | -403K | -260K | -426K | -190K | 3.2M | -1.3M | -1.2M | -137K | 0.0 | 0.0 | 0.0 | |
1.1M | 1.8M | 871K | 669K | 544K | 567K | 490K | 228K | 191K | 150K | 92K | 153K | 0.0 | 0.0 | 0.0 | |
3.3M | 5.8M | 5.1M | 6.7M | -1.9M | 3.4M | 2.7M | 3.8M | 3.5M | 3.2M | 5.1M | -765K | -1.8M | 130.8K | 627.2K | |
(10.4M) | (10.1M) | (7.8M) | (7.3M) | (3.7M) | (3M) | (2.9M) | (460K) | (0.0) | (665K) | (665K) | (0.0) | (0.0) | (0.0) | (0.0) | |
-2.5M | -2.9M | 7M | -2M | -910K | -5.6M | -2M | -865K | -2.3M | 2.7M | 2.2M | 1.7M | 2.8M | -3.4K | -1.9M | |
43.8M | 34.6M | 44.5M | 30.5M | 20.3M | 11.3M | 13.7M | 12M | 8.4M | 9.4M | 7M | 8M | 8.5M | 8.6M | 6.9M | |
INVESTING ACTIVITIES | |||||||||||||||
(0.0) | -1.7M | -3.5M | -1.5M | -2M | -692K | -1.9M | -1.4M | -1.6M | -504K | -1.2M | -280K | -438K | -1.6M | -1.1M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (375K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -5.4M | -6.8M | -211.7M | -258.2M | -218.8M | -99.4M | -33.7M | -146.7M | -57.4M | -102.1M | (0.0) | (0.0) | (0.0) | -114.7M | |
0.0 | 45.8M | 49.1M | 66.3M | 113.9M | 147.8M | 103.1M | 69.6M | 124.4M | 74.7M | 112.7M | 0.0 | 0.0 | 0.0 | 71.3M | |
-74.2M | -68M | -183.7M | -287.1M | -145M | -259.3M | -152.4M | -167.8M | -33.9M | -99.6M | -107.3M | -43.6M | -24.3M | -26M | -12.2M | |
-74.2M | -29.4M | -144.9M | -434.1M | -291.3M | -331M | -150.5M | -133M | -57.7M | -82.8M | -98M | -43.9M | -24.7M | -27.7M | -56.7M | |
FINANCING ACTIVITIES | |||||||||||||||
43.2M | -518K | -447K | -308K | 34.9M | -1.2M | -467K | 16.2M | -54K | -37K | -349K | 0.0 | -319K | -19.3K | -153.7K | |
-108.9M | -111M | 103M | 128.5M | 0.0 | 14.3M | -30.6M | 15.4M | -65.1M | 15M | -46K | -44K | -41K | -12.8M | -4.3M | |
-7.1M | -5.3M | -5.2M | -4.7M | -4M | -3.6M | -3.6M | -3.3M | -3.2M | -3.2M | -3.2M | -3.2M | -2.3M | -3.7M | -2.8M | |
-158K | -518K | -447K | -308K | -379K | -1.2M | -467K | -186K | -54K | -37K | -349K | (0.0) | -319K | -19.3K | -153.7K | |
157M | 114.6M | 64.4M | 60M | 425.1M | 406.2M | 178.1M | 80.8M | 120.5M | 73.5M | 100.6M | 38.3M | 17.9M | 34.1M | 62.8M | |
84.2M | -2.2M | 161.7M | 183.5M | 455.9M | 415.7M | 143.5M | 109.2M | 52.2M | 85.2M | 97M | 35.1M | 15.2M | 17.5M | 55.5M | |
CASH FLOW SUMMARY | |||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -296.0 | 12.9M | 0.0 | |
8.9M | 3M | 61.3M | -220.1M | 184.9M | 96.1M | 6.7M | -11.8M | 2.9M | 11.7M | 6.1M | -767K | -1M | 11.3M | 0.0 | |
4M | 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 | 0.0 | |
12.9M | 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 | |
41.3M | 32.9M | 41M | 28.9M | 18.4M | 10.7M | 11.9M | 10.5M | 6.9M | 8.9M | 5.8M | 7.7M | 8M | 6.9M | 5.7M |
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 | |
8-K 8-K 2026 N/A | May 22, 2026 | May 22, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 11, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 15, 2026 | May 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 25, 2026 | March 19, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 16, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 20, 2026 | February 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 04, 2026 | February 04, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 24, 2025 | November 24, 2025 | 2025 |
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