NASDAQ$OBT

Orange County Bancorp Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Orange County Bancorp reported Q1 2025 net income of $8.7M, net income of $8.7M, diluted EPS of $0.77.

For Q1 2025, Orange County Bancorp reported net income was $8.7M, diluted EPS was $0.77. Management discusses operating trends, liquidity, and outlook in the quarterly filing.

  • Net income $8.7M.
  • Diluted EPS $0.77.
  • MD&A highlights operating priorities, capital, and sector risks.

Headline financials

Total Revenue

$28M

Previous: $25.3M+10.7%
EPS (adj)

$0.77

Previous: $1.65-53.3%
Capital Expenditures

-$494K

Previous: -$252K-96.0%
Free Cash Flow

$8.21M

Previous: $9.04M-9.2%
Net Income

$8.7M

Previous: $9.29M-6.3%
Operating Income

$13.6M

Previous: $9.46M+43.9%
Gross Profit

$27.8M

Previous: $23.6M+17.5%

Revenue & EPS history

Orange County Bancorp · Revenue · Quarterly

$28M

Q1 2025+10.7%vs Q1 2024
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Revenue by segment

Orange County Bancorp · $1.48M total across 2 segments · Q3 2023

  • Trust and Investment Advisory Income
    $1.27M+7.7%
  • Service Charges on Deposit Accounts
    $210K

Forward guidance

Financial outlook depends on net interest income, credit quality, and investment marks.

Tailwinds

  • Net interest income or fee income supports returns.
  • Portfolio diversification.

Headwinds

  • Rate moves and credit nonaccruals.
  • Regulatory and refinancing risk.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.2%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+0.3%

Avg return

30 days after

33%

16 / 49 earnings

Positive

+14.5%

Q1 2024

Best reaction

-9.6%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.3%-7.9%-6.0%
Q4 2025+4.6%+8.8%-3.4%
Q3 2025+2.1%+7.1%+15.7%
Q1 2025+3.2%+3.8%-4.5%
Q4 2024-1.1%-0.6%-12.5%
Q3 2024-8.1%-7.5%+3.5%
Q2 2024-4.8%-12.3%-2.6%
Q1 2024+14.5%+20.9%+13.5%
Q4 2023+1.3%-11.4%-10.9%
Q3 2023+4.6%+2.2%+11.5%
Q2 2023+10.8%+12.8%+15.0%
Q1 2023-9.6%-11.3%-11.6%
Q4 2022+0.0%-0.5%+11.5%
Q3 2022+1.0%+4.8%+11.3%
Q2 2022-3.0%+3.5%-0.6%
Q1 2021+1.0%+2.4%-0.3%
Q1 2022-4.3%-2.0%-4.0%
Q4 2021-1.6%+0.0%-0.9%
Q3 2020-1.3%-1.7%+0.9%
Q3 2021+2.1%+5.7%+1.1%
Q4 2020+1.9%-2.5%-0.1%
Q2 2021-0.2%+0.4%+4.1%
Q2 2020+0.0%+1.1%+0.2%
Q1 2020+0.0%+0.0%+0.0%
Q4 2019-0.3%+0.3%+4.1%
Q3 2019-1.0%-1.0%+2.6%
Q2 2019+0.0%+0.0%+1.8%
Q1 2019+0.0%+0.0%-0.9%
Q4 2018+0.0%+0.0%+3.7%
Q3 2018+0.0%-0.7%-13.8%
Q2 2018+0.0%+0.0%-9.1%
Q1 2018+0.0%+0.0%+0.9%
Q4 2017+0.0%+0.0%-1.8%
Q3 2017-3.3%-3.8%-5.4%
Q2 2017+0.0%+0.0%+1.1%
Q1 2017+1.1%+0.0%-0.5%
Q4 2016-1.1%-1.0%-0.7%
Q3 2016+0.0%+0.0%-1.2%
Q2 2016+0.0%+0.2%-0.2%
Q1 2016+0.0%
Q4 2015+0.0%
Q3 2015+0.0%
Q2 2015+0.0%
Q1 2015+0.0%
Q4 2014+0.6%
Q3 2014+0.0%
Q2 2014+0.0%
Q1 2014-0.9%
Q4 2012+0.8%

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