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Orange County Bancorp OBT Wealth Management — Occupancy Net

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$1.1M-3.8%

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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$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:OccupancyNet.

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
NONINTEREST EXPENSE
Salaries7,5126,81314,92113,718
Employee benefits3,0052,3386,1074,788
Occupancy expense1,2511,2992,5872,576
Professional fees1,8611,6663,3263,013
Directors’ fees and expenses5353191,157625
Computer software expense1,9592,1173,8384,099
FDIC assessment160330490660

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's wealth management — occupancy net?
Orange County Bancorp (OBT) reported wealth management — occupancy net of $152K in Q2 2026.
How has Orange County Bancorp's wealth management — occupancy net changed year-over-year?
Orange County Bancorp's wealth management — occupancy net decreased by 2.6% year-over-year, from $156K to $152K.
What is the long-term trend for Orange County Bancorp's wealth management — occupancy net?
Over 2 years (2023 to 2025), Orange County Bancorp's wealth management — occupancy net has grown at a 5.5% compound annual growth rate (CAGR), from $555K to $618K.
What does wealth management — occupancy net mean?
This metric captures the net costs associated with maintaining physical office space, including rent, utilities, and maintenance, specifically allocated to the wealth management segment. It provides insight into the fixed overhead burden required to support the segment's physical footprint.

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