Filing Flows › Financials › Orange County Bancorp (OBT)
Orange County Bancorp (OBT) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Orange County Bancorp (OBT) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $35.3M · 35¢ of every $1 of revenue kept as net profit · operating margin 48.9%
Orange County Bancorp made $35.3M in Q3 2026 (+5% Y/Y): Net interest income $29.9M, Noninterest income $5.4M. Operating margin 48.9%, net earnings $12.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $35.3M in Q3 2026, up 5% year over year and up 27% from the previous quarter. Net interest income was the largest line at 85% of revenue. Net interest income added $3.0M year over year (up 11%), 191% of the total change. Noninterest income declined 21%.
Operating profit was $17.3M, a 48.9% margin (up 10.3 points year over year). Of the extra revenue versus a year earlier, 271% reached operating profit, above the 39% margin then. Total costs fell 13% while revenue rose 5%. Net earnings were $12.5M, up 25% year over year. The effective tax rate was 27.6%.
Operating cash flow was $26.6M (down 12% year over year), 213% of net earnings. Non-cash charges added back $497K of depreciation and amortization and $647K of share-based compensation. Working capital and other items added $13.0M. Capital expenditures of $138K left free cash flow of $26.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $35.3M | +5% | 48.9% | $12.5M | $26.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Orange County Bancorp
Orange County Bancorp, Inc. (the “Company”) is a bank holding company incorporated under Delaware law in 2007 and headquartered in Middletown, New York. Through its wholly owned subsidiaries, Orange Bank & Trust Company, a New York state-chartered trust company (the “Bank”) and Orange Investment Advisors, Inc., a registered investment advisor (“OIA”), the Company offers full- service commercial and consumer banking products and services and trust and wealth management services to small businesses, middle-market enterprises, local municipal governments and individuals in the Lower Hudson Valley region, the New York metropolitan area and nearby markets in Connecticut and New Jersey. The Company’s main office is located at 212 Dolson Avenue, Middletown, New York 10940.
In its own words, from its 10-K, filed Mar 16, 2026.
Orange County Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +8%. Operating margin: 48.9% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| OBT Orange County Bancorp | Q3 2026 | $35.3M | +5% | 48.9% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Orange County Bancorp 10-Q on SEC EDGAR · CIK 1754226 · State Commercial Banks
Guidance and outlook
13F: who owns OBT and who is buying
More on OBT
History
Every quarter: Q3 2026 results