Orange County Bancorp Inc (OBT) — Cash Flow Quality Index
Orange County Bancorp Inc (OBT) has a Cash Flow Quality Index of 0.92x as of June 2026. Operating cash flow of $12.58 Million is below net income of $13.66 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore OBT debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Orange County Bancorp Inc Cash Flow Quality Index (2011–2025)
Historical Cash Flow Quality Index for Orange County Bancorp Inc across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Orange County Bancorp Inc (OBT) cash conversion ratio.
Annual Cash Flow Quality Index for Orange County Bancorp Inc (2011–2025)
Year-by-year earnings quality comparison for Orange County Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.05x | $43.85 Million | $41.61 Million | ▼ -15.1% |
| 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 | — |