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Orange County Bancorp OBT Banking — Net Income Loss

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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
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:NetIncomeLoss.

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

Filed
Aug 10, 2026, 4:05 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093345
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Intangible amortization7272143143
Other1181,0941,1152,302
TOTAL NONINTEREST EXPENSE17,26916,75435,19333,248
Income before income taxes11,56013,58926,15024,877
Provision (credit) for income taxes(2,099)3,1281,2075,712
NET INCOME$13,659$10,461$24,943$19,165
Basic and diluted earnings per share$1.02$0.87$1.87$1.64
Weighted average shares outstanding13,381,37611,994,81513,366,71211,665,181

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's banking — net income loss?
Orange County Bancorp (OBT) reported banking — net income loss of $12.95M in Q2 2026.
How has Orange County Bancorp's banking — net income loss changed year-over-year?
Orange County Bancorp's banking — net income loss increased by 34.5% year-over-year, from $9.63M to $12.95M.
What is the long-term trend for Orange County Bancorp's banking — net income loss?
Over 4 years (2021 to 2025), Orange County Bancorp's banking — net income loss has grown at a 18.7% compound annual growth rate (CAGR), from $18.98M to $37.65M.
What does banking — net income loss mean?
The final profit or loss generated by the banking segment after accounting for all interest income, noninterest income, operating expenses, and taxes. This is the definitive measure of the segment's financial performance and contribution to the overall organization.

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