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Orange County Bancorp OBT Operating Lease Liability - Undiscounted Excess Amount

Operating Lease Liability - Undiscounted Excess Amount at other companies

M&T Bank logo
M&T BankMTB
$97M+5.4%
Greene County Bancorp logo
Greene County BancorpGCBC
$268K+71.8%
Capital Bancorp logo
Capital BancorpCBNK
$1.14M+58.1%
ACNB logo
ACNBACNB
$447K+98.7%
OFG Bancorp logo
OFG BancorpOFG
$3.68M-8.9%
Customers Bancorp logo
Customers BancorpCUBI
$6.99M-11.2%

Other financials

Income statement

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Revenue$32.1M+14.6%
Net income$11.3M+29.6%
EPS (diluted)$0.85+10.4%

Balance sheet

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Cash & equivalents$257.5M+56.9%
Total debt$4.3M+17.6%
Total equity$291.7M+44.9%
Total assets$2.7B+5.7%

Cash flow

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Operating cash flow$10.2M+111%
CapEx$563.0K+14.0%
Free cash flow$9.7M+123%

Valuation

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Market cap$494.62M+55.2%
P/E11.2×-0.5×
P/S3.8×+0.9×

Profitability

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Net margin33.7%+8.9pp
FCF margin35.5%+3.6pp

Returns & leverage

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Return on equity17.9%+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 official record: Orange County Bancorp’s 10-K, filed March 16, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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.