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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
25.9%
CTB
Community Trust BancorpCTBI
43.6%+4.7pp
Greene County Bancorp logo
Greene County BancorpGCBC
41.3%+5.9pp
Citizens & Northern logo
Citizens & NorthernCZNC
31.4%+7.0pp
Capital Bancorp logo
Capital BancorpCBNK
28.4%-0.5pp

Other financials

Income statement

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Revenue$27.8M-14.3%
Net income$13.7M+30.6%
EPS (diluted)$1.02+17.2%

Balance sheet

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Cash & equivalents$334.9M+90.7%
Total debt$4.3M+17.6%
Total equity$306.6M+21.4%
Total assets$2.8B+7.4%

Cash flow

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Operating cash flow$12.6M+354%
CapEx$250.0K-65.9%
Free cash flow$12.3M+317%

Valuation

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Market cap$517.68M+62.4%
P/E10.9×+0.1×
P/S4.1×+1.3×

Profitability

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Net margin37.4%+11.7pp

Returns & leverage

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Return on equity16.9%+3.2pp
Debt / equity0.0×

Where this comes from

Calculated from Orange County Bancorp’s reported figures.

Based on trailing twelve months.

The source filing: Orange County Bancorp’s 10-Q, filed August 10, 2026. Open the filing →

Filed
Aug 10, 2026, 4:05 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093345

FAQ

What is Orange County Bancorp's free cash flow margin?
Orange County Bancorp (OBT) reported free cash flow margin of 51.1% in Q2 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 188.2% year-over-year, from 17.7% to 51.1%.
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.

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