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Orange County Bancorp OBT Net gains (losses) on investments

Net gains (losses) on investments at other companies

CTB
Community Trust BancorpCTBI
$1.4M+840%
Greene County Bancorp logo
Greene County BancorpGCBC
-$43K-248%
Capital Bancorp logo
Capital BancorpCBNK
-$814K-127%
Center Bancorp logo
Center BancorpCNOB
$135K-74.5%
BCB Bancorp logo
BCB BancorpBCBP
-$76K
Customers Bancorp logo
Customers BancorpCUBI
-$25K

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$513.39M+62.4%
P/E10.8×+0.1×
P/S4.1×+1.3×

Profitability

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Net margin37.4%+11.7pp
FCF margin51.1%+33.3pp

Returns & leverage

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

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:DebtSecuritiesAvailableForSaleRealizedGainLoss.

The source filing: Orange County Bancorp’s 10-Q, filed November 10, 2025.

Filed
Nov 10, 2025
Fiscal quarter
Q3 FY2025
Calendar quarter
Q3 2025
Accession
0001104659-25-108979
Line itemThree Months Ended / September 30, 2025Three Months Ended / September 30, 2024Nine Months Ended / September 30, 2025Nine Months Ended / September 30, 2024
Service charges on deposit accounts3772701,001737
Trust income1,5781,3794,8254,000
Investment advisory income1,9571,7415,5474,966
Investment securities gains(losses), net159(568)
Earnings on bank owned life insurance19039683551
Proceeds from bank owned life insurance benefit1,1913,590
Gain on sale of assets1,236
Other1,3357452,1461,413

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's net gains (losses) on investments?
Orange County Bancorp (OBT) reported net gains (losses) on investments of $159K in Q3 2025.
What does net gains (losses) on investments mean?
Realized and unrealized gains/losses on investments removed from operating cash flow since they're investing-related.

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