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Orange County Bancorp vs Franklin Financial Services: OBT and FRAF compared
Orange County Bancorp is the larger company: $35.3M of revenue in its latest quarter (Q3 2026) against $35.2M for Franklin Financial Services (Q3 2026). Orange County Bancorp is growing faster (+5% against +2% a year earlier). Orange County Bancorp is more profitable, with an operating margin of 48.9% against 30.2%.
Where the money goes: OBT and FRAF
Orange County Bancorp (OBT) · Q3 2026
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.
Franklin Financial Services (FRAF) · Q3 2026
Franklin Financial Services, Q3 2026: revenue $35.2M (+2% year over year), operating margin 30.2%, net earnings $8.5M, operating cash flow $13.5M. The chart follows the revenue to costs, profit and cash.
| Orange County Bancorp (OBT) | Franklin Financial Services (FRAF) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $35.3M | $35.2M |
| Revenue growth, Y/Y | +5% | +2% |
| Operating margin | 48.9% | 30.2% |
| Net earnings | $12.5M | $8.5M |
| Net margin | 35.4% | 24.2% |
| Operating cash flow | $26.6M | $13.5M |
| Free cash flow | $26.5M | — |
Where the revenue comes from
Orange County Bancorp
- Net interest income: $29.9M (85%)
- Noninterest income: $5.4M (15%)
Questions
Which is bigger, Orange County Bancorp or Franklin Financial Services?
Orange County Bancorp is the larger company: $35.3M of revenue in its latest quarter (Q3 2026) against $35.2M for Franklin Financial Services (Q3 2026).
Is Orange County Bancorp or Franklin Financial Services growing faster?
Orange County Bancorp is growing faster (+5% against +2% a year earlier).
Which is more profitable, Orange County Bancorp or Franklin Financial Services?
Orange County Bancorp is more profitable, with an operating margin of 48.9% against 30.2%.
More: Orange County Bancorp earnings · how Orange County Bancorp makes money · Franklin Financial Services earnings · how Franklin Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 9, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.