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Orange County Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$26.5M in Q3 2026 · $61.6M over twelve months

Operating cash flow$26.6M
Capital spending−$138K
Free cash flow+$26.5M
Cash / net income2.1×

Analysis

In Q3 2026, Orange County Bancorp generated $26.6M of operating cash flow and spent $138K on capital projects, leaving free cash flow of $26.5M. That is $3.1M less than in Q3 2025 ($29.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $63.2M; the largest uses were other investing ($61.6M), dividends ($9.6M), capital spending ($1.6M); besides operations, cash came from other financing ($64.4M); the cash balance rose by $54.7M.

Operating cash flow was $26.6M against net income of $12.5M — 2.1× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$4.8M, stock-based pay +$647K, depreciation & amortization +$497K.

Free cash flow

Orange County Bancorp: free cash flow by quarterOrange County Bancorp: free cash flow by quarter$11.7MQ4 2024$4.3MQ1 2025−$5.7MQ2 2025$29.6MQ3 2025$13.1MQ4 2025$9.7MQ1 2026$12.3MQ2 2026$26.5MQ3 2026
Operating cash flow less capital spending.
Orange County Bancorp: operating cash flow against capital spendingOrange County Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$12.8M$1.1MQ4 2024$4.8M$494KQ1 2025−$5.0M$733KQ2 2025$30.2M$594KQ3 2025$13.8M$695KQ4 2025$10.2M$563KQ1 2026$12.6M$250KQ2 2026$26.6M$138KQ3 2026
Latest (Q3 2026): Operating cash flow $26.6M, Capital spending $138K.

Capital allocation, year by year

Orange County Bancorp: where the cash came from (up) and went (down), by fiscal yearOrange County Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingDividendsFY2021: Operating cash flow $20.3MFY2021: Shares issued $35.3MFY2021: Capital spending −$2.0MFY2021: Dividends −$4.0M$55.6MFY2021FY2022: Operating cash flow $30.5MFY2022: Net borrowing −$3.0MFY2022: Capital spending −$1.5MFY2022: Dividends −$4.7M$30.5MFY2022FY2023: Operating cash flow $44.5MFY2023: Asset sales $435KFY2023: Capital spending −$3.5MFY2023: Dividends −$5.2M$44.9MFY2023FY2024: Operating cash flow $34.6MFY2024: Asset sales $375KFY2024: Capital spending −$1.7MFY2024: Dividends −$5.3M$35.0MFY2024FY2025: Operating cash flow $43.8MFY2025: Shares issued $43.4MFY2025: Asset sales $2.5MFY2025: Capital spending −$2.5MFY2025: Dividends −$7.1M$89.8MFY2025
Over these 5 years operating cash flow totalled $174M; the largest uses were dividends ($26.3M) and capital spending ($11.3M). Cash-flow statements as filed.

Where the cash came from and went

Orange County Bancorp: sources (+) and uses (−) of cash, Q3 2026Orange County Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$90.4MOther financing−$64.9MOther investing−$49.6MOperating cash flow$26.6MDividends−$2.4MCapital spending−$138K
Orange County Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Orange County Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$64.4MOperating cash flow$63.2MOther investing−$61.6MCash drawn (+) / kept (−)−$54.7MDividends−$9.6MCapital spending−$1.6M

From profit to cash

Orange County Bancorp: net income to operating cash flow, Q3 2026Orange County Bancorp: net income to operating cash flow, Q3 2026Net income$12.5MDepreciation & amortization$497KStock-based pay$647KPrepaid and other assets−$4.8MOther liabilities−$275KOperating cash flow$26.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$26.6M−$138K−$2.4M—$90.4M$26.5M
Q2 2026$12.6M−$250K−$2.4M—−$77.4M$12.3M
Q1 2026$10.2M−$563K−$2.4M—−$53.3M$9.7M
Q4 2025$13.8M−$695K−$2.4M−$171K−$14.4M$13.1M
Q3 2025$30.2M−$594K−$1.7M−$125K−$14.3M$29.6M
Q2 2025−$5.0M−$733K−$1.5M—−$11.4M−$5.7M
Q1 2025$4.8M−$494K−$1.5M—−$13.8M$4.3M
Q4 2024$12.8M−$1.1M−$1.4M—$10.5M$11.7M

Orange County Bancorp: income statement and cash flow

Orange County Bancorp, Q3 2026: revenue $35.3M (+5% year over year), operating margin 48.9%. The chart follows the revenue to costs, profit and cash.

Orange County Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.