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Orange County Bancorp OBT Operating Lease Liability - Undiscounted Excess Amount

Operating Lease Liability - Undiscounted Excess Amount at other companies

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M&T BankMTB
$97M+5.4%
Greene County Bancorp logo
Greene County BancorpGCBC
$268K+71.8%
Capital Bancorp logo
Capital BancorpCBNK
$1.51M+131%
BCB Bancorp logo
BCB BancorpBCBP
$959K-20.7%
OFG Bancorp logo
OFG BancorpOFG
$3.39M-8.2%
Customers Bancorp logo
Customers BancorpCUBI
$6.22M-10.3%

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:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount.

The source filing: Orange County Bancorp’s 10-K, filed March 16, 2026.

Filed
Mar 16, 2026, 12:38 PM EDT
Fiscal year
FY2025
Accession
0001104659-26-028308
Years Ending December 31,
2029555
2030485
Thereafter1,874
Total undiscounted lease payments$5,196
Discount$849
Total discounted lease payments$4,347
Operating lease weighted average remaining lease term (years)7.03
Operating lease weighted average discount rate4.49%

Item 8. Financial Statements and Supplementary Data

FAQ

What is Orange County Bancorp's operating lease liability - undiscounted excess amount?
Orange County Bancorp (OBT) reported operating lease liability - undiscounted excess amount of $849K in Q4 2025.
How has Orange County Bancorp's operating lease liability - undiscounted excess amount changed year-over-year?
Orange County Bancorp's operating lease liability - undiscounted excess amount increased by 41.7% year-over-year, from $599K to $849K.
What is the long-term trend for Orange County Bancorp's operating lease liability - undiscounted excess amount?
Over 4 years (2021 to 2025), Orange County Bancorp's operating lease liability - undiscounted excess amount has grown at a 51.1% compound annual growth rate (CAGR), from $163K to $849K.
What does operating lease liability - undiscounted excess amount mean?
This represents the difference between the total undiscounted future lease payments and the present value of those payments recorded on the balance sheet. It effectively quantifies the interest component embedded within operating lease obligations. It is a measure of the financing cost inherent in the lease portfolio.

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