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Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $127M | - | $42M | $41M | 14.6% | 18.1% | 49.2% |
| 2024 | $108M | - | $28M | $33M | 15.0% | 5.8% | -5.4% |
| 2023 | $102M | - | $29M | $41M | 17.8% | 13.2% | 21.0% |
| 2022 | $90M | - | $24M | $29M | 17.6% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 89.87 | 101.69 | 107.62 | 127.11 |
| Operating Revenue | - | 89.87 | 101.69 | 107.62 | 127.11 |
| Selling General And Administration | - | 32.21 | 36.70 | 40.35 | 42.55 |
| Interest Income | - | 84.22 | 117.77 | 127.23 | 134.98 |
| Interest Expense | - | 6.14 | 29.38 | 35.46 | 30.93 |
| Net Interest Income | - | 78.09 | 88.39 | 91.77 | 104.06 |
| Pretax Income | - | 30.28 | 37.15 | 34.82 | 51.56 |
| Tax Provision | - | 5.91 | 7.67 | 6.94 | 9.94 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0.24 |
| Net Income Continuous Operations | - | 24.36 | 29.48 | 27.88 | 41.61 |
| Net Income From Continuing And Discontinued Operation | - | 24.36 | 29.48 | 27.88 | 41.61 |
| Net Income From Continuing Operation Net Minority Interest | - | 24.36 | 29.48 | 27.88 | 41.61 |
| Net Income | - | 24.36 | 29.48 | 27.88 | 41.61 |
| Net Income Common Stockholders | - | 24.36 | 29.48 | 27.88 | 41.61 |
| Net Income Including Noncontrolling Interests | - | 24.36 | 29.48 | 27.88 | 41.61 |
| Normalized Income | - | 24.36 | 29.48 | 27.88 | 40.62 |
| Diluted NI Availto Com Stockholders | - | 24.36 | 29.48 | 27.88 | 41.61 |
| Basic Average Shares | - | 11.24 | 11.26 | 11.30 | 12.51 |
| Diluted Average Shares | - | 11.24 | 11.26 | 11.30 | 12.51 |
| Reconciled Depreciation | - | 1.69 | 1.97 | 1.95 | 1.83 |
| Total Unusual Items | - | - | - | 0 | 1.24 |
| Total Unusual Items Excluding Goodwill | - | - | - | 0 | 1.24 |
| Gain On Sale Of Security | - | 0 | 0.11 | 0 | -0.57 |
| Depreciation Amortization Depletion Income Statement | - | 0.29 | 0.28 | 0.29 | 0.29 |
| Depreciation And Amortization In Income Statement | - | 0.29 | 0.28 | 0.29 | 0.29 |
| General And Administrative Expense | - | 30.61 | 35.04 | 38.77 | 40.58 |
| Other Gand A | 5.72 | - | - | - | - |
| Salaries And Wages | - | 29.20 | 33.64 | 37.47 | 39.26 |
| Insurance And Claims | - | 1.41 | 1.40 | 1.31 | 1.32 |
| Selling And Marketing Expense | - | 1.60 | 1.66 | 1.58 | 1.97 |
| Amortization | - | 0.29 | 0.28 | 0.29 | 0.29 |
| Amortization Of Intangibles Income Statement | - | 0.29 | 0.28 | 0.29 | 0.29 |
| Occupancy And Equipment | - | 9.27 | 9.81 | 10.74 | 12.94 |
| Professional Expense And Contract Services Expense | - | 4.07 | 4.75 | 5.93 | 6.19 |
| Other Non Interest Expense | - | 4.24 | 5.13 | 7.79 | 5.84 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Orange County Bancorp, Inc.this co. | OBT | $457M | 10.97↓ discount | 1.61 | 14.6% | - |
| First Business Financial Services, Inc. | FBIZ | $482M | 9.59 | 1.34 | 14.0% | - |
| ChoiceOne Financial Services, Inc. | COFS | $470M | 16.67 | 1.01 | 6.1% | - |
| AlTi Global, Inc. | ALTI | $461M | -3.85 | 1.81 | -47.1% | -5.59 |
| Greene County Bancorp, Inc. |
| - |
| - |
| - |
| - |
| - |
| - |
| GCBC |
| $459M |
| 14.74 |
| 1.92 |
| 13.0% |
| - |
| Ponce Financial Group, Inc. | PDLB | $455M | 15.84 | 1.44 | 9.1% | - |
| Investors Title Company | ITIC | $445M | 12.64 | 1.66 | 13.1% | - |
| Colony Bankcorp, Inc. | CBAN | $425M | 15.03 | 1.13 | 7.5% | - |
| Bankwell Financial Group, Inc. | BWFG | $424M | 12.06 | 1.41 | 11.7% | - |
| Peer Median | - | 13.69 | 1.42 | 10.4% | -5.59 | |