Filing Flows › Orange County Bancorp (OBT) › Q3 2026 › vs Q3 2025
Orange County Bancorp (OBT) Q3 2026 vs Q3 2025 (year over year)
Orange County Bancorp's revenue rose $1.6M (+5%) from $33.7M in Q3 2025 to $35.3M in Q3 2026. The biggest changes: Net interest income +$3.0M (+11%); Noninterest income −$1.4M (-21%). Operating margin 48.9% against 38.6% (+10.3 pts).
Orange County Bancorp, Q3 2026: revenue $35.3M (+5% year over year), operating margin 48.9%, net earnings $12.5M, operating cash flow $26.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 48.9% | 38.6% | +10.3 pts |
| Net margin | 35.4% | 29.7% | +5.7 pts |
| Free cash flow margin | 75.1% | 87.8% | -12.7 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $29.9M | $26.9M | $3.0M | +11% |
| Noninterest income | $5.4M | $6.8M | −$1.4M | -21% |
| Revenue | $35.3M | $33.7M | $1.6M | +5% |
| Operating profit | $17.3M | $13.0M | $4.2M | +33% |
| Costs & expenses | $18.0M | $20.7M | −$2.7M | -13% |
| Pre-tax earnings | $17.3M | $13.0M | $4.2M | +33% |
| Credit loss provision | $809K | $3.9M | −$3.1M | -79% |
| Noninterest expense | $17.2M | $16.8M | $391K | +2% |
| Net earnings | $12.5M | $10.0M | $2.5M | +25% |
| Income tax | $4.8M | $3.0M | $1.8M | +59% |
| Depreciation & amortization | $497K | $447K | $50K | +11% |
| Share-based compensation | $647K | $91K | $556K | +611% |
| Working capital & other | $13.0M | $19.6M | −$6.6M | -34% |
| Operating cash flow | $26.6M | $30.2M | −$3.6M | -12% |
| Free cash flow (OCF − capex) | $26.5M | $29.6M | −$3.1M | -11% |
| Capital expenditures | $138K | $594K | −$456K | -77% |
Questions
How much did Orange County Bancorp's revenue grow year over year in Q3 2026?
Orange County Bancorp's revenue rose $1.6M (+5%) from $33.7M in Q3 2025 to $35.3M in Q3 2026.
What drove Orange County Bancorp's revenue change in Q3 2026?
Net interest income +$3.0M (+11%); Noninterest income −$1.4M (-21%).