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Year two at other companies

M&T Bank logo
M&T BankMTB
$22.33B+26.0%
Center Bancorp logo
Center BancorpCNOB
$1.47B
International Bancshares logo
International BancsharesIBOC
$3.55B+24.8%
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:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear.

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 two?
Orange County Bancorp (OBT) reported year two of $288.57M in Q1 2026.
How has Orange County Bancorp's year two changed year-over-year?
Orange County Bancorp's year two increased by 18.3% year-over-year, from $244M to $288.57M.
What is the long-term trend for Orange County Bancorp's year two?
Over 2 years (2023 to 2025), Orange County Bancorp's year two has grown at a -22.5% compound annual growth rate (CAGR), from $438.01M to $263.34M.
What does year two mean?
This represents the portion of financing receivables scheduled to mature or be collected during the second year following the reporting period. It provides visibility into the bank's medium-term cash flow expectations from its lending activities. Analyzing this helps in forecasting the bank's ability to reinvest capital into new lending opportunities.