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OBT Orange County Bancorp, Inc. /DE/

Trailing twelve months to 2026-06-30 · as filed 2026-08-10, not restated
Financials

Scale

Market cap
$503m
Revenue TTM
$127m
Net income TTM
$47m
Free cash flow
$65m
Composite score
58.3
Sector rank
#2398

Valuation

P / E
10.6
EV / EBITDA
EV / sales
4.0
FCF yield
12.86%
Earnings yield vs 10-yr
4.70pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
37.4%
EBITDA margin
ROE
15.5%
ROIC
Revenue growth
10.2%

Insider activity, last 90 days

Net open-market
$-0.18m
Buyers
0
Sellers
2

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Our total assets were $2.8 billion at June 30, 2026, an increase of $141.0 million, or 5.3%, from December 31, 2025. The increase was primarily driven by increases of $130.7 million in cash and due from banks and $63.6 million in loans held-for-sale, while loans decreased by $38.0 million and investment securities, available for sale, decreased by $23.5 million during the six months ended June 30, 2026. Cash and due from banks increased $130.7 million, or 64.0%, to $334.9 million at June 30, 2026, from $204.2 million at December 31, 2025. The following table sets forth the composition of our loan portfolio by type of loan at the dates indicated. …Orange County Bancorp, Inc. /DE/, 10-Q, period ended 2026-06-30, filed 2026-08-10

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