Orange County Bancorp's 2025 net income rises 49.3%

Overview

• Regional bank's net income for 2025 rose 49.3% to $41.6 mln

• Company's net interest margin grew 35 bps to 4.18% for 2025

• Total loans increased 7.4% to $2.0 bln at year-end 2025

Outlook

• Company did not provide specific guidance for future quarters or full year

Result Drivers

• NET INTEREST INCOME - Increase of 22.8%, driven by higher interest and fees on loans

• LOAN GROWTH - Total loans increased $134.5 mln, or 7.4%, supported by strong economic activity

• DEPOSIT COMPOSITION - Focus on organic deposit growth led to lower cost deposits

Key Details

Analyst Coverage

• The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"

• The average consensus recommendation for the banks peer group is "buy"

• Wall Street's median 12-month price target for Orange County Bancorp Inc is $31.00, about 3.4% below its February 3 closing price of $32.09

• The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nGNX1y09kC

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