Orange County Bancorp (OBT) Financial Statements & Analysis

Orange County Bancorp (OBT) Income Statement

Orange County Bancorp reported revenue of $127.11M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 11.2% from $143.09M a year earlier. Net income was $41.61M, up 49.2% year over year, a net margin of 32.7%. Gross margin was 94.0% and operating margin 40.6%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $34.96M, down 13.7% from the same quarter a year earlier.

Orange County Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Orange County Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	127.11	143.09	93.94	89.87	72.03	64.43	57.56	47.88	42.36
Cost of Revenue	38.67	43.17	37.25	15.65	6.40	10.14	7.04	5.25	4.65
Gross Profit	119.46	99.92	93.82	80.35	69.60	54.29	50.52	42.62	37.72
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	42.55	40.35	19.79	32.21	26.43	25.14	23.19	21.09	19.56
Operating Expenses	67.90	65.10	56.67	50.08	42.93	39.78	36.12	33.44	31.22
Operating Income	51.56	34.82	37.15	30.28	26.68	14.52	14.41	9.18	6.50
Other Income/Expense
Interest Income	134.98	127.23	117.77	84.22	64.43	53.46	48.30	38.70	33.13
Interest Expense	30.93	35.46	29.38	6.14	3.97	4.72	4.84	2.79	2.87
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	51.56	34.82	37.15	30.28	26.68	14.52	14.41	9.18	6.50
Income Tax Expense	9.94	6.94	7.67	5.91	5.39	2.84	2.93	1.63	4.15
Net Income	41.61	27.88	29.48	24.36	21.29	11.68	11.48	7.55	2.35
Net Income - Continuous Operations	41.61	27.88	29.48	24.36	21.29	11.68	11.48	7.55	2.35
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	1.83	36.77	2.17	1.69	1.66	16.08	15.88	10.58	7.97
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.29	1.95	1.97	0.29	0.29	1.56	1.48	1.40	1.47
Earnings Per Share
Basic EPS	3.00	2.00	3.00	2.00	2.00	1.00	1.00	1.00	-
Diluted EPS	3.00	2.00	3.00	2.00	2.00	1.00	1.00	1.00	-
Basic Shares Outstanding	12.51	11.30	11.26	11.24	9.94	9.02	8.97	8.07	7.83
Diluted Shares Outstanding	12.51	11.30	11.26	11.24	9.94	9.02	8.97	8.07	7.83

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Orange County Bancorp Financial Statements

What was Orange County Bancorp's revenue in fiscal 2025?

Orange County Bancorp reported revenue of $127.11M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 11.2% from $143.09M a year earlier.

Is Orange County Bancorp profitable?

Yes. Orange County Bancorp earned net income of $41.61M in fiscal 2025, a net margin of 32.7%. In fiscal 2024 it earned $27.88M.

What is Orange County Bancorp's operating margin?

Orange County Bancorp's operating income was $51.56M on revenue of $127.11M in fiscal 2025, an operating margin of 40.6%, compared with 24.3% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition