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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Orange County Bancorp, Inc. Income Statement
OBT • NASDAQ
| Orange County Bancorp, Inc. Income 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||||||
158.1M | 143.1M | 131.1M | 96M | 76M | 64.4M | 57.6M | 47.9M | 42.4M | 38.3M | 33.7M | 28.4M | 26.6M | 25.3M | 30.9M | |
GROSS PROFIT | |||||||||||||||
(38.7M) | (43.2M) | (37.2M) | (15.7M) | (6.4M) | (10.1M) | (7M) | (5.3M) | (4.6M) | (5.7M) | (10M) | (0.0) | (0.0) | (0.0) | (30.9M) | |
119.5M | 99.9M | 93.8M | 80.4M | 69.6M | 54.3M | 50.5M | 42.6M | 37.7M | 32.6M | 23.7M | 28.4M | 26.6M | 25.3M | 0.0 | |
OPERATING INCOME | |||||||||||||||
(67.9M) | (65.1M) | (56.7M) | (50.1M) | (42.9M) | (39.8M) | (36.1M) | (33.4M) | (31.2M) | (28.2M) | (25.6M) | (20.6M) | (16.1M) | (15.2M) | (3.4M) | |
(43.1M) | (40.3M) | (36.7M) | (32.2M) | (26.4M) | (25.1M) | (23.2M) | (21.1M) | (19.6M) | (18.2M) | (16.9M) | (17.4M) | (16.1M) | (13.5M) | (6.8M) | |
51.6M | 34.8M | 37.1M | 30.3M | 26.7M | 14.5M | 14.4M | 9.2M | 6.5M | 4.4M | -1.9M | 11M | 10.5M | 10.5M | 9.9M | |
PRE-TAX INCOME | |||||||||||||||
(30.9M) | (35.5M) | (29.4M) | (6.1M) | (4M) | (4.7M) | (4.8M) | (2.8M) | (2.9M) | (3.9M) | (4.2M) | (0.0) | (0.0) | (0.0) | (3.3M) | |
104.1M | 91.8M | 88.4M | 78.1M | 60.5M | 48.7M | 43.3M | 35.9M | 30.3M | 25.8M | 21.1M | 0.0 | 0.0 | 0.0 | -3.3M | |
(24.8M) | (24.7M) | (20M) | (17.9M) | (16.5M) | (14.6M) | (12.9M) | (12.4M) | (11.7M) | (10M) | (8.6M) | (3.2M) | (0.0) | (1.8M) | -3.4M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -3.2M | -2.4M | -438K | 0.0 | |
51.6M | 34.8M | 37.1M | 30.3M | 26.7M | 14.5M | 14.4M | 9.2M | 6.5M | 4.4M | -1.9M | 7.8M | 8.1M | 10.1M | 9.9M | |
NET INCOME | |||||||||||||||
(9.9M) | (6.9M) | (7.7M) | (5.9M) | (5.4M) | (2.8M) | (2.9M) | (1.6M) | (4.2M) | (721K) | -1.8M | (1.6M) | (1.6M) | (2.3M) | (2.3M) | |
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 |
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 |
Related Guides
Continue your OBT research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.