Orange County Bancorp (OBT) Cash Flow: Operating & Free Cash Flow

Orange County Bancorp (OBT) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Orange County Bancorp generated $43.85M of operating cash flow and spent $2.52M on capital expenditures. That left free cash flow of $41.33M, up 25.7% from $32.87M a year earlier, or 32.5% of revenue. It returned $7.26M to shareholders through $7.10M in dividends and $158.00K in share buybacks.

Orange County Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Orange County Bancorp, Inc. (OBT) - 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
Operating Activities
Net Income	41.61	27.88	29.48	24.36	21.29	11.68	11.48	7.55	2.35
Depreciation & Amortization	1.83	1.95	1.97	1.69	1.66	1.56	1.48	1.40	1.47
Deferred Income Tax	0.24	0.07	0.10	-0.96	-0.40	-0.26	-0.43	-0.19	3.22
Stock Based Compensation	1.14	1.76	0.87	0.67	0.54	0.57	0.49	0.23	0.19
Change in Working Capital	-2.50	-2.86	7.01	-1.99	-0.91	-5.60	-2.00	-0.87	-2.27
Change in Accounts Receivable	-3.70	-0.75	0.39	0.32	-0.35	-3.09	-0.19	-0.21	-0.21
Change in Other Working Capital	1.20	-2.12	-3.93	-2.31	-0.56	-2.50	-1.80	-0.66	-2.06
Other Operating Activities	-5.99	-1.83	-3.93	-3.97	-1.86	3.39	2.71	3.84	3.46
Net Cash from Operating Activities	43.85	34.60	44.50	30.48	20.32	11.34	13.73	11.96	8.41
Investing Activities
Capital Expenditures	-2.52	-1.73	-3.54	-1.55	-1.96	-0.69	-1.85	-1.43	-1.55
Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.38	0.00
Purchases of Investments	-22.63	-5.42	-6.84	-211.75	-258.23	-218.81	-99.36	-33.71	-146.65
Sales/Maturities of Investments	68.65	45.76	49.12	66.28	113.88	147.81	103.09	69.55	124.43
Other Investing Activities	13.49	-68.03	-183.67	-287.10	-145.01	-259.26	-152.39	-167.80	-33.94
Net Cash from Investing Activities	-74.15	-29.42	-144.92	-434.11	-291.31	-330.96	-150.51	-133.01	-57.71
Financing Activities
Debt Repayment	-20.00	-111.00	103.00	-3.00	0.00	14.32	-30.56	15.44	-65.05
Common Stock Issued	43.39	0.00	0.00	0.00	35.25	0.00	0.00	16.43	0.00
Common Stock Repurchased	-0.16	-0.52	-0.45	-0.31	-0.38	-1.16	-0.47	-0.19	-0.05
Dividends Paid	-7.10	-5.33	-5.19	-4.67	-4.03	-3.59	-3.59	-3.26	-3.23
Other Financing Activities	157.01	114.61	64.36	60.00	425.09	406.16	178.12	80.79	120.52
Net Cash from Financing Activities	84.20	-2.23	161.72	183.53	455.93	415.74	143.51	109.20	52.18
Summary
Net Change in Cash	53.90	2.95	61.30	-220.10	184.95	96.12	6.74	-11.85	2.88
Cash at Beginning of Period	150.33	147.38	86.08	306.18	121.23	25.11	18.37	30.22	27.34
Cash at End of Period	204.23	150.33	147.38	86.08	306.18	121.23	25.11	18.37	30.22
Free Cash Flow	41.33	32.87	40.96	28.94	18.36	10.65	11.88	10.53	6.86
Supplemental Disclosures
Interest Paid	-	36.92	27.53	6.12	4.03	-	-	-	-
Income Taxes Paid	-	10.11	7.82	7.26	3.72	-	-	-	-

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 Cash Flow

What is Orange County Bancorp's free cash flow?

Orange County Bancorp generated free cash flow of $41.33M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $43.85M minus $2.52M of capital expenditures. That was up 25.7% from $32.87M a year earlier. Free cash flow equaled 32.5% of revenue.

How much does Orange County Bancorp spend on capital expenditures?

Orange County Bancorp spent $2.52M on capital expenditures in fiscal 2025, compared with $1.73M a year earlier. That equals 5.7% of operating cash flow.

Does Orange County Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Orange County Bancorp returned $7.10M in dividends and $158.00K in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition