Orange County Bancorp, Inc. (OBT)
Operating cash flow minus capital spending left $41.3M of free cash flow in fiscal 2025. At September 30, 2026 it held $244.6M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Orange County Bancorp, Inc.
- Net worth
- Orange County Bancorp, Inc. has a market value (market cap) of $534.7M at the latest share price, and shareholders' equity of $309M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $43.8M of cash; after $2.5M of capital spending, free cash flow was $41.3M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Orange County Bancorp, Inc.'s next report is expected around February 3, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Orange County Bancorp, Inc. paid dividends of $0.57 per share in fiscal 2025, a yield of 1.43% at the current price.
What Orange County Bancorp, Inc. does
Orange County Bancorp, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker OBT.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $41.6M | $3.33 | $41.3M |
| 2024 | n/a | $27.9M | $2.47 | $32.9M |
| 2023 | n/a | $29.5M | $2.62 | $41M |
| 2022 | n/a | $24.4M | $2.17 | $28.9M |
| 2021 | n/a | $21.3M | $2.14 | $18.4M |
| 2021 | n/a | $11.7M | $1.30 | $10.7M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Orange County Bancorp, Inc. paid $0.57 per share in fiscal 2025. At the current price that is a yield of 1.43%. It paid out $7.1M in cash dividends, 17% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.57 | $7.1M | 17% |
| 2024 | $0.47 | $5.3M | 19% |
| 2023 | $0.46 | $5.2M | 18% |
| 2022 | $0.42 | $4.7M | 19% |
| 2021 | $0.40 | $4M | 19% |
| 2021 | $0.40 | $3.6M | 31% |
Latest SEC filings
What Orange County Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- November 5, 2026
- October 28, 2026
- October 27, 2026Passive stake changed SCHEDULE 13G/A
- September 23, 2026
- August 21, 2026Other event 8-K
- August 10, 2026
- July 28, 2026
- June 25, 2026
- May 27, 2026
Insider trades
What the people running Orange County Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $77.4K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 5, 2026 | Ruhl Joseph AReg Pres, Westchester County | Sold | 1,923 | $77.4K |
| August 4, 2026 | Rooney StephenSVP, Chief Credit Officer | Sold | 1,500 | $58.1K |
| August 3, 2026 | Sousa GregoryEVP and Deputy CLO | Sold | 1,882 | $72.9K |
| July 30, 2026 | Sousa GregoryEVP and Deputy CLO | Sold | 1,165 | $45.1K |
| March 19, 2026 | Gilfeather Michael JPresident and CEO, Director | Received as pay | 16,853 | - |
| March 19, 2026 | Gilfeather Michael JPresident and CEO, Director | Received as pay | 9,438 | - |
| March 19, 2026 | Gilfeather Michael JPresident and CEO, Director | Shares withheld for tax | 6,189 | $192.8K |
| March 19, 2026 | Gilfeather Michael JPresident and CEO, Director | Boughtindirect | 200 | $6.2K |
Who owns OBT
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| BlackRock Portfolio Management LLC13G, passive | 9.2% | October 17, 2025 |
| Bay Pond Partners, L.P.13G, passive | 5.6% | June 5, 2025 |
Largest institutional holders
Insiders
17 insiders reported holding 1,039,824 shares in total, about $41.5M at the last price.
| Holder | Shares |
|---|---|
| Rowley Richard BDirector | 537,134 |
| Gilfeather Michael JPresident and CEO, Director | 145,84916,400 held indirectly |
| Holcombe Gregory FDirector | 103,54434,720 held indirectly |
| Morrison William DDirector | 102,510 |
| Ruhl Joseph AReg Pres, Westchester County | 32,859 |
| Keane Kevin JDirector | 19,266 |
| Lesler MichaelEVP, Chief Financial Officer | 16,216 |
| Schiller JonDirector | 12,473 |
| Dineen David PSVP, Dir. Wealth Services | 11,480 |
| Jones Elizabeth ASVP, Chief Operating Officer | 11,266 |
Questions about OBT
What does Orange County Bancorp, Inc. do?
Orange County Bancorp, Inc. is a company in the Finance sector, listed on NASDAQ as OBT. Its shares trade on NASDAQ under the ticker OBT.
What is Orange County Bancorp, Inc.'s net worth?
Orange County Bancorp, Inc. has a market value (market cap) of $534.7M at the latest share price, and shareholders' equity of $309M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Orange County Bancorp, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $49.9M.
When did Orange County Bancorp, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Orange County Bancorp, Inc.'s next earnings report?
Orange County Bancorp, Inc.'s next report is expected around February 3, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Orange County Bancorp, Inc. pay a dividend?
Yes. Orange County Bancorp, Inc. paid dividends of $0.57 per share in fiscal 2025, a yield of 1.43% at the current price.
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Where the numbers come from
Financial figures are the values Orange County Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.