Filing Flows › Orange County Bancorp (OBT) › Q3 2026
Orange County Bancorp (OBT) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Orange County Bancorp (OBT) reported revenue of $35.3M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +27% from the quarter before. Operating margin was 48.9%, net earnings $12.5M (35.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $35.3M | +27% | +5% |
| Operating profit | $17.3M | +49% | +33% |
| Net earnings | $12.5M | -9% | +25% |
| Operating cash flow | $26.6M | +112% | -12% |
| Free cash flow | $26.5M | +115% | -11% |
What changed
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.
Questions
What was Orange County Bancorp's revenue in the third quarter 2026?
Orange County Bancorp (OBT) reported revenue of $35.3M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +27% from the quarter before.
Was Orange County Bancorp profitable in the third quarter 2026?
Operating profit was $17.3M (48.9% of revenue) and net earnings $12.5M.