Orange County Bancorp Inc (OBT) — Cash Flow Quality Index

Latest as of September 2025: 3.01x

Orange County Bancorp Inc (OBT) has a Cash Flow Quality Index of 3.01x as of September 2025. Operating cash flow of $30.20 Million exceeds net income of $10.02 Million, indicating high earnings quality where cash backs reported profits. Explore investment intensity of Orange County Bancorp Inc to see how much of total assets are deployed in long-term investments.

Cash Flow Quality Index

3.01x
Operating CF / Net Income

Operating Cash Flow

$30.20 Million
USD

Net Income

$10.02 Million
USD

Data as of

Sep 2025
Most recent filing

Orange County Bancorp Inc Cash Flow Quality Index (2011–2024)

Historical Cash Flow Quality Index for Orange County Bancorp Inc across 13 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check OBT goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.

Annual Cash Flow Quality Index for Orange County Bancorp Inc (2011–2024)

Year-by-year earnings quality comparison for Orange County Bancorp Inc. For live market cap and the full company financial profile, see market value of Orange County Bancorp Inc.

Year Quality Index Operating CF (USD) Net Income YoY Change
2024 1.24x $34.60 Million $27.88 Million ▼ -17.8%
2023 1.51x $44.50 Million $29.48 Million ▲ +20.7%
2022 1.25x $30.48 Million $24.36 Million ▲ +31.1%
2021 0.95x $20.32 Million $21.29 Million ▼ -1.7%
2020 0.97x $11.34 Million $11.68 Million ▼ -21.5%
2019 1.24x $13.73 Million $11.10 Million ▼ -21.9%
2018 1.58x $11.96 Million $7.55 Million ▼ -55.7%
2017 3.58x $8.41 Million $2.35 Million ▲ +38.5%
2016 2.58x $9.39 Million $3.64 Million ▲ +99.6%
2014 1.29x $8.02 Million $6.20 Million ▼ -0.6%
2013 1.30x $8.48 Million $6.51 Million ▲ +18.3%
2012 1.10x $8.56 Million $7.78 Million ▲ +21.7%
2011 0.90x $6.88 Million $7.60 Million
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.