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Orange County Bancorp OBT Q3 2025 earnings

Reported November 10, 2025

Revenue$41.3M
EPS$0.75

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$34.2M
EPS estimate$0.86

Financials

Q3 2025

Income statement

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

Balance sheet

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

Cash flow

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

Valuation & ratios

Valuation

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

Profitability

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

Returns & leverage

See full
Return on equity15.7%-1.4pp

Versus estimates

Revenue

Q2 2026$27.8MMiss by $5.2MQ1 2026$32.1MMiss by $222.0KQ4 2025$33.0MBeat by $1.6M
Q3 2025$41.3M
Q2 2025$32.4MBeat by $2.1MQ1 2025$28.0MMiss by $1.0M

Diluted EPS

Q2 2026$1.02Beat by $0.22Q1 2026$0.85Beat by $0.07Q4 2025$0.93Beat by $0.18
Q3 2025$0.75
Q2 2025$0.87Beat by $0.11Q1 2025$0.77Beat by $0.10

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Questions, answered.

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.