Skip to content
OpenCapital
Get started

Orange County Bancorp OBT Q4 2025 Annual earnings

Reported February 4, 2026 · Before market open

Revenue$33.0MBeat by $1.6M
EPS$0.93Beat by $0.18
Revenue estimate$31.4M
EPS estimate$0.75

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$33.0M+20.6%
Net income$12.4M+73.5%
EPS (diluted)$0.94+49.2%

Balance sheet

See full
Cash & equivalents$204.2M+35.9%
Total debt$4.3M+17.6%
Total equity$284.4M+53.3%
Total assets$2.7B+6.0%

Cash flow

See full
Operating cash flow$13.8M+7.3%
CapEx$695.0K-35.6%
Free cash flow$13.1M+11.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$381.62M+142%
Enterprise value$181.74M+1,550%
P/E9.2×+3.5×
P/S3×+1.5×

Profitability

See full
Net margin32.7%+6.8pp
FCF margin32.5%+2.0pp

Returns & leverage

See full
Return on equity17.7%+1.8pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$27.8MMiss by $5.2MQ1 2026$32.1MMiss by $222.0K
Q4 2025$33.0MBeat by $1.6M
Q3 2025$41.3MQ2 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 $0.07
Q4 2025$0.93Beat by $0.18
Q3 2025$0.75Q2 2025$0.87Beat by $0.11Q1 2025$0.77Beat by $0.10

Ask the moment Orange County Bancorp reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Orange County Bancorp report Q4 2025 earnings?
Orange County Bancorp (OBT) reported Q4 2025 earnings on February 4, 2026 before market open.
What were Orange County Bancorp's Q4 2025 revenue and EPS?
Orange County Bancorp reported revenue of $33.0M and eps of $0.93 for Q4 2025.
Did Orange County Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $31.4M by $1.6M. EPS beat the consensus estimate of $0.75 by $0.18.
How did Orange County Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 20.7% from $27.4M a year earlier and eps grew 46.7% from $0.63.
Where can I find Orange County Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000943374-26-000054) and the 10-K periodic report (0001104659-26-028308) directly on SEC EDGAR. The filing index links above go to sec.gov.