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Orange County Bancorp OBT Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
Valley National Bank logo
Valley National BankVLY
26.5%
CTB
Community Trust BancorpCTBI
34.7%-7.4pp
Greene County Bancorp logo
Greene County BancorpGCBC
41.3%+5.9pp
Capital Bancorp logo
Capital BancorpCBNK
28.4%-0.5pp
Citizens & Northern logo
Citizens & NorthernCZNC
28.3%+3.5pp

Other financials

Income statement

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Revenue$32.1M+14.6%
Net income$11.3M+29.6%
EPS (diluted)$0.85+10.4%

Balance sheet

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Cash & equivalents$257.5M+56.9%
Total debt$4.3M+17.6%
Total equity$291.7M+44.9%
Total assets$2.7B+5.7%

Cash flow

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Operating cash flow$10.2M+111%
CapEx$563.0K+14.0%
Free cash flow$9.7M+123%

Valuation

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Market cap$494.62M+55.2%
P/E11.2×-0.5×
P/S3.8×+0.9×

Profitability

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Net margin33.7%+8.9pp

Returns & leverage

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Return on equity17.9%+3.2pp
Debt / equity0.0×

Where this comes from

Calculated from Orange County Bancorp’s reported figures.

Based on trailing twelve months.

The official record: Orange County Bancorp’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Orange County Bancorp's free cash flow margin?
Orange County Bancorp (OBT) reported free cash flow margin of 35.5% in Q1 2026.
How has Orange County Bancorp's free cash flow margin changed year-over-year?
Orange County Bancorp's free cash flow margin increased by 11.4% year-over-year, from 31.9% to 35.5%.
What is the long-term trend for Orange County Bancorp's free cash flow margin?
Over 4 years (2021 to 2025), Orange County Bancorp's free cash flow margin has grown at a 6.5% compound annual growth rate (CAGR), from 25.3% to 32.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.