Orange County Bancorp, Inc. (OBT) Income Statement
OBT 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsOBT revenue and net income
Where OBT's revenue goes
2025Each bar shows an amount and its share of revenue. OBT kept 26.3% of revenue as net income.
OBT profit margins
OBT growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +10.5% | +18.1% | +19.7% | +16.7% |
| Gross profit | +19.6% | +14.1% | +17.1% | +17.6% |
| Operating income | +48.1% | +19.4% | +28.8% | — |
| Net income | +49.2% | +19.5% | +28.9% | — |
| EPS (diluted) | +34.4% | +11.9% | +16.3% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
OBT quarterly EPS vs estimates
Orange County Bancorp beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: November 4, 2026 (estimate $0.82).
OBT income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $158.1M | $143.1M | $131.1M | $96.0M | $76.0M | $64.4M | $57.6M | $47.9M | $42.4M | $38.3M |
| Cost of revenue | $38.7M | $43.2M | $37.2M | $15.7M | $6.4M | $10.1M | $7.0M | $5.3M | $4.6M | $5.7M |
| Gross profit | $119.5M | $99.9M | $93.8M | $80.4M | $69.6M | $54.3M | $50.5M | $42.6M | $37.7M | $32.6M |
| Sales, general & admin | $43.1M | $40.3M | $36.7M | $32.2M | $26.4M | $25.1M | $23.2M | $21.1M | $19.6M | $18.2M |
| Total operating expenses | $67.9M | $65.1M | $56.7M | $50.1M | $42.9M | $39.8M | $36.1M | $33.4M | $31.2M | $28.2M |
| Operating income | $51.6M | $34.8M | $37.1M | $30.3M | $26.7M | $14.5M | $14.4M | $9.2M | $6.5M | $4.4M |
| Interest income | $135.0M | $127.2M | $111.8M | $84.2M | $64.4M | $53.5M | $48.3M | $38.7M | $33.1M | — |
| Interest expense | $30.9M | $35.5M | $29.4M | $6.1M | $4.0M | $4.7M | $4.8M | $2.8M | $2.9M | $3.9M |
| Income before taxes | $51.6M | $34.8M | $37.1M | $30.3M | $26.7M | $14.5M | $14.4M | $9.2M | $6.5M | $4.4M |
| Income taxes | $9.9M | $6.9M | $7.7M | $5.9M | $5.4M | $2.8M | $2.9M | $1.6M | $4.2M | $721,000 |
| Net income | $41.6M | $27.9M | $29.5M | $24.4M | $21.3M | $11.7M | $11.5M | $7.6M | $2.4M | $3.6M |
| EBITDA | $53.4M | $36.8M | $39.1M | $32.0M | $28.3M | $16.1M | $15.9M | $10.6M | $8.0M | $5.4M |
| EPS (diluted) | $3.32 | $2.47 | $2.98 | $2.37 | $3.30 | $1.56 | $1.59 | $0.92 | $0.60 | $0.93 |
| Gross margin | 75.5% | 69.8% | 71.6% | 83.7% | 91.6% | 84.3% | 87.8% | 89.0% | 89.0% | 85.1% |
| Operating margin | 32.6% | 24.3% | 28.3% | 31.5% | 35.1% | 22.5% | 25.0% | 19.2% | 15.4% | 11.4% |
| Net margin | 26.3% | 19.5% | 22.5% | 25.4% | 28.0% | 18.1% | 19.9% | 15.8% | 5.5% | 9.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $35.0M | $34.4M | $40.0M | $41.3M | $40.5M | $36.2M | $36.5M | $35.6M | $36.3M | $36.6M | $35.3M | $33.3M |
| Cost of revenue | $5.1M | $6.5M | $8.5M | $11.5M | $10.2M | $8.5M | $9.1M | $15.7M | $10.6M | $9.7M | $9.9M | $8.4M |
| Gross profit | $29.8M | $27.9M | $31.5M | $29.8M | $30.3M | $27.8M | $27.4M | $19.9M | $25.7M | $26.9M | $25.4M | $24.9M |
| Sales, general & admin | $15.2M | $17.9M | $11.0M | $10.9M | $10.3M | $10.4M | $10.4M | $10.1M | $9.8M | $10.0M | $10.0M | $9.0M |
| Total operating expenses | $15.7M | $17.5M | $17.8M | $16.8M | $16.7M | $16.5M | $18.4M | $15.9M | $15.5M | $15.3M | $14.7M | $13.6M |
| Operating income | $14.2M | $10.4M | $13.7M | $13.0M | $13.6M | $11.3M | $9.0M | $4.0M | $10.2M | $11.6M | $10.7M | $11.3M |
| Interest income | $34.5M | $34.4M | $35.3M | $34.5M | $33.2M | $31.9M | $32.2M | $31.4M | $32.5M | $31.1M | $31.6M | $30.1M |
| Interest expense | $6.1M | $6.5M | $7.0M | $7.6M | $8.1M | $8.3M | $9.1M | $8.5M | $8.4M | $9.5M | $9.4M | $7.6M |
| Income before taxes | $11.6M | $14.6M | $13.7M | $13.0M | $13.6M | $11.3M | $9.0M | $4.0M | $10.2M | $11.6M | $10.7M | $11.3M |
| Income taxes | −$2.1M | $3.3M | $1.2M | $3.0M | $3.1M | $2.6M | $1.8M | $788,000 | $2.0M | $2.3M | $2.6M | $2.3M |
| Net income | $13.7M | $11.3M | $12.4M | $10.0M | $10.5M | $8.7M | $7.2M | $3.2M | $8.2M | $9.3M | $8.1M | $9.0M |
| EBITDA | $14.2M | $10.9M | $14.1M | $13.5M | $14.1M | $11.8M | $9.5M | $4.5M | $10.7M | $12.1M | $11.2M | $11.8M |
| EPS (diluted) | $1.02 | $0.85 | $0.93 | $0.75 | $0.87 | $0.77 | $0.63 | $0.28 | $0.73 | $0.83 | $0.72 | $0.81 |
| Gross margin | 85.4% | 81.1% | 78.7% | 72.3% | 74.8% | 76.6% | 75.1% | 56.0% | 70.8% | 73.4% | 72.0% | 74.7% |
| Operating margin | 40.5% | 30.3% | 34.1% | 31.5% | 33.5% | 31.1% | 24.6% | 11.3% | 28.2% | 31.7% | 30.3% | 33.9% |
| Net margin | 39.1% | 32.8% | 31.1% | 24.3% | 25.8% | 24.0% | 19.6% | 9.0% | 22.6% | 25.4% | 23.0% | 27.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in OBT's financial statements (latest annual report filed March 16, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
OBT financial results
In fiscal year 2025 (ended December 31, 2025), Orange County Bancorp reported revenue of $158.1 million, up 10.5% from the year before. It had net income of $41.6 million (up 49.2%), a net profit margin of 26.3%. Diluted earnings per share came to $3.32. Over five years revenue grew at an average rate of 19.7% a year.
See the OBT stock overview for the latest quote and news, or the OBT chart for price history and technical indicators.
OBT income statement FAQ
What is Orange County Bancorp's annual revenue?
Orange County Bancorp reported total revenue of $158.1 million for fiscal year 2025, which ended on December 31, 2025. That was up 10.5% from $143.1 million the previous year.
Is Orange County Bancorp profitable?
Yes. Orange County Bancorp reported net income of $41.6 million in fiscal 2025, a net profit margin of 26.3%; its operating margin was 32.6%.
What is Orange County Bancorp's gross margin?
Orange County Bancorp's gross margin was 75.5% in fiscal 2025: for every $100 of revenue, Orange County Bancorp kept $76 after the direct cost of its products and services.
How fast is Orange County Bancorp growing?
Revenue grew 19.7% a year on average over the last five fiscal years, from $64.4 million to $158.1 million.
What are Orange County Bancorp's earnings per share?
Orange County Bancorp earned $3.32 per diluted share in fiscal 2025, compared with $2.47 a year earlier.
When will Orange County Bancorp report its next earnings?
Orange County Bancorp is expected to report results for the quarter ending September 30, 2026 on November 4, 2026.
When does Orange County Bancorp's fiscal year end?
Orange County Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 16, 2026.