Orange County Bancorp (OBT) FCF Payout Ratio (2020 - 2026)

Orange County Bancorp's (OBT) quarterly FCF Payout Ratio came in at 0.25 in Q1 2026, down 26.68% year-on-year from 0.34 in Q1 2025, and up 35.3% quarter-over-quarter from 0.18 in Q4 2025.

Orange County Bancorp (OBT) FCF Payout Ratio (2020 - 2026) Analysis & Trends

Orange County Bancorp's FCF Payout Ratio history runs 7 years deep, the most recent figure standing at 0.25 for Q1 2026.

  • On a quarterly basis, FCF Payout Ratio fell 26.68% year-over-year to 0.25 in Q1 2026; TTM through Mar 2026 was 0.17, a 10.21% increase from a year earlier, with the FY2025 full-year figure at 0.17, up 6.03% from the prior year.
  • FCF Payout Ratio climbed to 0.25 in Q1 2026 per OBT's latest filing, from 0.18 in the prior quarter.
  • Across five years, FCF Payout Ratio topped out at 0.65 in Q1 2024 and bottomed at 0.26 in Q2 2025.
  • The 5-year median for FCF Payout Ratio is 0.15 (2023), against an average of 0.18.
  • Across the five-year window, FCF Payout Ratio jumped 192.23% in 2024 and plunged 283.29% in 2025, its largest moves.
  • Year by year, FCF Payout Ratio stood at 0.19 in 2022, then plunged by 55.78% to 0.08 in 2023, then surged by 44.41% to 0.12 in 2024, then jumped by 52.38% to 0.18 in 2025, then surged by 35.3% to 0.25 in 2026.
  • Per Business Quant, the three latest OBT FCF Payout Ratio figures stand at 0.25 (Q1 2026), 0.18 (Q4 2025), and 0.06 (Q3 2025).

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Cover (Qtr)
1 KB Financial 43,124.21 Bn 43,125.44 Bn -775,612.08 -
2 Shinhan Financial 33,971.34 Bn 33,973.00 Bn - -1.36
3 Bank Of Chile 4,105.33 Bn 4,105.33 Bn 167,623.00 5.86
4 NatWest 768.74 Bn 572.78 Bn 1.79 Bn -
5 Mizuho Financial 385.64 Bn 389.59 Bn - -
6 Lloyds Banking 358.14 Bn 358.14 Bn - -
7 First Capital 200.03 Bn 199.69 Bn - 0.18
8 Landmark Bancorp 187.97 Bn 187.94 Bn - 0.19
9 Pnc Financial Services 100.96 Bn 101.01 Bn - 0.36
10 Orange County Bancorp 499.60 Mn 418.73 Mn - 0.25

Historic Data

Download Data
DateValue
Mar 31, 2026 0.25
Dec 31, 2025 0.18
Sep 30, 2025 0.06
Jun 30, 2025 -0.26
Mar 31, 2025 0.34
Dec 31, 2024 0.12
Sep 30, 2024 0.13
Jun 30, 2024 0.14
Mar 31, 2024 0.65
Dec 31, 2023 0.08
Sep 30, 2023 0.12
Jun 30, 2023 0.15
Mar 31, 2023 0.22
Dec 31, 2022 0.19
Sep 30, 2022 0.09
Jun 30, 2022 0.16
Mar 31, 2022 0.37
Dec 31, 2021 0.22
Sep 30, 2021 0.17
Jun 30, 2021 0.20