Orange County Bancorp, Inc. /DE/
OBTNasdaqFinancials · State Commercial Banks · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $41.6M | $27.9M | $29.5M | $24.4M | $21.3M | $11.7M |
| Total assets | $2.66B | $2.51B | $2.49B | $2.29B | $2.14B | $1.66B |
| Total liabilities | $2.38B | $2.32B | $2.32B | $2.15B | $1.96B | $1.53B |
| Equity | $284.4M | $185.5M | $165.4M | $138.1M | $182.8M | $135.4M |
| EPS (diluted) | $3.33 | $2.47 | $2.62 | $4.33 | $4.28 | $2.59 |
| Shares out. | 11.4M | 5.7M | 5.6M | 5.6M | 5.6M | 4.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 14.6%
- Return on assets
- 1.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.3%
- Debt / equity
- 8.35×
- Book value / share
- $25.04
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 49.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wellington Management Group LlpPassive (13G)Nov 12, 2025
- Blackrock Portfolio Management LlcPassive (13G)Oct 17, 2025
- Blackrock, Inc.Passive (13G)Oct 17, 2025
- Bay Pond Partners, L.P.Passive (13G)Aug 12, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Jones Elizabeth AOfficer — SVP, Chief Operating Officer | Mar 19, 2026 | Grant | 3,792 | $0.00 |
| Lesler MichaelOfficer — EVP, Chief Financial Officer | Mar 19, 2026 | Grant | 5,059 | $0.00 |
| Listner MichaelOfficer — SVP and Chief Risk Officer | Mar 19, 2026 | Grant | 2,827 | $0.00 |
| Rooney StephenOfficer — SVP, Chief Credit Officer | Mar 19, 2026 | Grant | 2,812 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 76,635 | 1.8 | +8.6% |
| Apr 30, 2026 | 70,585 | 1.4 | -0.8% |
| Apr 15, 2026 | 71,132 | 1.0 | -23.0% |
| Mar 31, 2026 | 92,346 | 2.2 | +13.4% |
| Mar 13, 2026 | 81,413 | 1.8 | +51.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 27, 2026
- Other material eventMay 22, 2026
- Results of operationsApr 28, 2026
- Director / officer changeMar 25, 2026
- Other material eventFeb 20, 2026
- Results of operationsFeb 4, 2026
- Other material eventNov 24, 2025
- Regulation FD disclosureNov 10, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KORANGE COUNTY BANCORP, INC. FORM 8-K MAY 26, 2026May 27, 2026
- 8-KFORM 8-KMay 22, 2026
- 10-QMay 11, 2026
- 4FORM 4May 6, 2026
- 8-KORANGE COUNTY BANCORP, INC. FORM 8-K APRIL 28, 2026Apr 28, 2026
- ARSApr 15, 2026
- DEF 14AApr 15, 2026
- 4FORM 4Apr 2, 2026
- 4FORM 4Apr 2, 2026
- 4FORM 4Apr 2, 2026
- 4FORM 4Apr 2, 2026
- 4FORM 4Apr 2, 2026
- 4FORM 4Apr 2, 2026
- 4FORM 4Apr 2, 2026
- 8-KORANGE COUNTY BANCORP, INC. FORM 8-K MARCH 19, 2026Mar 25, 2026
Event-driven situations (1)
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