Orange County Bancorp, Inc. (OBT)

From the record

Orange County Bancorp, Inc.'s filings since 2018 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Orange County Bancorp, Inc.'s 6 filed years say what it did: revenue went from $53 million in fiscal 2020 to $135 million in fiscal 2025, up 20.4% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 6 of 6 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Orange County Bancorp, Inc.'s diluted share count grew about 3.6% a year, and dividends and buybacks returned about 14% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 6 sales and 1 purchase of their own stock on the open market in the year to 2026-11-05, buying about $6 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Orange County Bancorp, Inc. earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 10.7% over the year (the filed statements).

From the record

Orange County Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $135 million in fiscal 2025 ranks in the bottom 23% by size; a net margin of 30.8% ranks in the top 11%; revenue growth of 17% a year over the last 3 filed years ranks in the bottom 47% (its annual reports).

From the record

Orange County Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Gilfeather, Michael J (President and CEO, as filed), filing under that title since 2021-08-04, 5.3 years (bottom 33% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 5.1 years (bottom 17%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Orange County Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $204 million against no long-term debt tagged leaves 7.7% of its assets as net cash, top 17% of its family; cash from operations less capital spending is 30.6% of revenue (top 24%) (its annual report).

From the record

Orange County Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17% a year over the last three filed years against 20.4% over all 6, slowing (bottom 11% of its family); the newest year grew 6.1% (top 42%); capital spending grew 17.6% a year (top 37%) (its annual reports). Orange County Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Orange County Bancorp, Inc.'s newest year against its own record: revenue of $135 million in fiscal 2025 came in 13.7% below the $156 million its prior three years' pace pointed to (top 41% of its family); net income of $42 million against a prior three-year average of $27 million (top 10%); a net margin of 30.8% against 25.3% before (top 6%) (its annual reports).