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Orange County Bancorp OBT Q3 2025 earnings

Reported November 10, 2025

Revenue$41.3M
EPS$0.75

Next report

Nov 4, 2026 (in a month)
Revenue estimate$33.5M
EPS estimate$0.82

Financials

Q3 2025

Income statement

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Revenue$33.7M+24.3%
Net income$10.0M+212%
EPS (diluted)$0.75+168%

Balance sheet

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Cash & equivalents$189.9M+18.0%
Total equity$270.1M+39.9%
Total assets$2.6B+4.7%

Cash flow

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Operating cash flow$30.2M+195%
CapEx$594.0K+105%
Free cash flow$29.6M+197%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$336.98M-1.0%
P/E9.3×-2.5×
P/S2.8×-0.4×

Profitability

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Net margin29.9%+2.8pp
FCF margin32.9%-1.6pp

Returns & leverage

See full
Return on equity15.7%-1.4pp

FAQ

When did Orange County Bancorp report Q3 2025 earnings?
Orange County Bancorp (OBT) reported Q3 2025 earnings on November 10, 2025.
What were Orange County Bancorp's Q3 2025 revenue and EPS?
Orange County Bancorp reported revenue of $41.3M and eps of $0.75 for Q3 2025.
How did Orange County Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 52.3% from $27.1M a year earlier and eps grew 168.2% from $0.28.
Where can I find Orange County Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-109183) and the 10-Q periodic report (0001104659-25-108979) directly on SEC EDGAR. The filing index links above go to sec.gov.