Orange County Bancorp, Inc.OBTEarnings & Financial Report
Orange County Bancorp, Inc. is a Delaware-registered bank holding company operating mainly in New York, U.S. It offers a full range of retail and commercial banking services, including deposit accounts, loans and wealth management solutions, serving individual consumers, small and mid-sized corporate clients in its regional footprint.
OBT Q4 FY2025 Key Financial Metrics
Revenue
$33.0M
Gross Profit
N/A
Operating Profit
$13.7M
Net Profit
$12.4M
Gross Margin
N/A
Operating Margin
41.4%
Net Margin
37.6%
YoY Growth
20.6%
EPS
$0.94
Orange County Bancorp, Inc. Q4 FY2025 Financial Summary
Orange County Bancorp, Inc. reported revenue of $33.0M (up 20.6% YoY) for Q4 FY2025, with a net profit of $12.4M (up 73.5% YoY) (37.6% margin).
Key Financial Metrics
| Total Revenue | $33.0M |
|---|---|
| Net Profit | $12.4M |
| Gross Margin | N/A |
| Operating Margin | 41.4% |
| Report Period | Q4 FY2025 |
Orange County Bancorp, Inc. Annual Revenue by Year
Orange County Bancorp, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $127.2M).
Orange County Bancorp, Inc. Quarterly Revenue & Net Profit History
Orange County Bancorp, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $33.0M | +20.6% | $12.4M | 37.6% |
| Q3 FY2025 | $33.7M | +24.3% | $10.0M | 29.7% |
| Q2 FY2025 | $32.5M | +16.2% | $10.5M | 32.2% |
| Q1 FY2025 | $28.0M | +10.7% | $8.7M | 31.1% |
| Q4 FY2024 | $27.4M | +5.8% | $7.2M | 26.2% |
| Q3 FY2024 | $27.1M | +5.5% | $3.2M | 11.8% |
| Q2 FY2024 | $27.9M | +7.9% | $8.2M | 29.4% |
| Q1 FY2024 | $25.3M | +4.0% | $9.3M | 36.7% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.3M | $27.9M | $27.1M | $27.4M | $28.0M | $32.5M | $33.7M | $33.0M |
| YoY Growth | 4.0% | 7.9% | 5.5% | 5.8% | 10.7% | 16.2% | 24.3% | 20.6% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.45B | $2.48B | $2.52B | $2.51B | $2.56B | $2.61B | $2.64B | $2.66B |
| Liabilities | $2.28B | $2.30B | $2.33B | $2.32B | $2.36B | $2.35B | $2.37B | $2.38B |
| Equity | $168.7M | $177.5M | $193.1M | $185.5M | $201.3M | $252.6M | $270.1M | $284.4M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $2.3M | $9.3M | $10.2M | $34.6M | $4.8M | $-5.0M | $30.2M | $43.8M |