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Year three at other companies

M&T Bank logo
M&T BankMTB
$13.55B-4.7%
Center Bancorp logo
Center BancorpCNOB
$741.62M
International Bancshares logo
International BancsharesIBOC
$1.56B-28.5%
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:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear.

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 three?
Orange County Bancorp (OBT) reported year three of $227.59M in Q1 2026.
How has Orange County Bancorp's year three changed year-over-year?
Orange County Bancorp's year three decreased by 23.7% year-over-year, from $298.34M to $227.59M.
What is the long-term trend for Orange County Bancorp's year three?
Over 2 years (2023 to 2025), Orange County Bancorp's year three has grown at a -17.3% compound annual growth rate (CAGR), from $342.58M to $234.35M.
What does year three mean?
This represents the portion of financing receivables scheduled to mature or be collected during the third year following the reporting period. It assists in mapping the long-term maturity profile of the bank's assets. Understanding these future cash flows is essential for assessing the bank's asset-liability management strategy.