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Year four at other companies

M&T Bank logo
M&T BankMTB
$10.53B-38.1%
Center Bancorp logo
Center BancorpCNOB
$523.55M
International Bancshares logo
International BancsharesIBOC
$1.71B+42.5%
Capital Bancorp logo
Capital BancorpCBNK
Customers Bancorp logo
Customers BancorpCUBI
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC

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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

The official record: Orange County Bancorp’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Orange County Bancorp's year four?
Orange County Bancorp (OBT) reported year four of $233.56M in Q1 2026.
How has Orange County Bancorp's year four changed year-over-year?
Orange County Bancorp's year four decreased by 42.7% year-over-year, from $407.42M to $233.56M.
What is the long-term trend for Orange County Bancorp's year four?
Over 2 years (2023 to 2025), Orange County Bancorp's year four has grown at a 29.9% compound annual growth rate (CAGR), from $231.63M to $391.01M.
What does year four mean?
This represents the portion of financing receivables scheduled to mature or be collected during the fourth year following the reporting period. It contributes to the overall assessment of the bank's long-term asset duration. This data point is useful for evaluating the bank's exposure to interest rate fluctuations over an extended time horizon.