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OBK logoOrigin Bancorp, Inc.(OBK)Earnings, Financials & Key Ratios

OBK•NYSE•Banking & Credit
$47.27
$1.46B mkt cap·19.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOrigin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, residential mortgage, and paycheck protection program loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit box, U.S. savings bonds, and automatic account transfer services; and treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. The company was founded in 1912 and is headquartered in Ruston, Louisiana.Show more
  • Net Interest Income$331M+10.2%
  • Total Revenue$599M-3.0%
  • Net Income$75M-1.7%
  • Return on Equity6.29%-9.2%
  • Net Interest Margin3.4%+9.7%
  • Efficiency Ratio41.71%+3.8%
  • ROA0.78%-1.7%
  • Equity / Assets12.82%+8.3%
  • Book Value per Share40.13+9.3%
  • Tangible BV/Share34.91+11.3%
  • Debt/Equity0.03-81.0%
Technical→

OBK Key Insights

Origin Bancorp, Inc. (OBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong 5Y profit CAGR of 15.6%
  • ✓Efficient operations: 41.7% efficiency ratio
  • ✓Well capitalized: 12.8% equity/assets
  • ✓Trading near 52-week high
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

OBK Price & Volume

Origin Bancorp, Inc. (OBK) stock price & volume — 10-year historical chart

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OBK Growth Metrics

Origin Bancorp, Inc. (OBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years15.84%
3 Years16.58%
TTM-

Profit CAGR

10 Years-
5 Years15.64%
3 Years-5%
TTM-1.69%

EPS CAGR

10 Years-
5 Years9.14%
3 Years-9.89%
TTM-2.44%

Return on Capital

10 Years6.41%
5 Years7.71%
3 Years5.76%
Last Year2.15%

OBK Recent Earnings

Origin Bancorp, Inc. (OBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 22, 2026
EPS
$0.89
Est $0.90
-1.1%
Revenue
$104M
Est $104M
+0.0%
Q1 2026
Jan 28, 2026
EPS
$0.95
Est $0.88
+8.0%
Revenue
$103M
Est $100M
+3.2%
Q4 2025
Oct 22, 2025
EPS
$0.27
Est $0.89
-69.7%
Revenue
$108M
Est $100M
+8.2%
Q3 2025
Jul 23, 2025
EPS
$0.47
Est $0.78
-39.7%
Revenue
$85M
Est $98M
-13.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.89vs $0.90-1.1%
$104Mvs $104M+0.0%
Q1 2026Jan 28, 2026
$0.95vs $0.88+8.0%
$103Mvs $100M+3.2%
Q4 2025Oct 22, 2025
$0.27vs $0.89-69.7%
$108Mvs $100M+8.2%
Q3 2025Jul 23, 2025
$0.47vs $0.78-39.7%
$85Mvs $98M-13.9%
Based on last 12 quarters of dataView full earnings history →

OBK Peer Comparison

Origin Bancorp, Inc. (OBK) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.32B27.0313.459.47%10.86%0.30
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.13B21.59-7.32-56.66%-11.63%0.19
IBCP logoIBCPIndependent Bank CorporationDirect Competitor696.01M33.8110.34-0.3%14.2%0.23
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.62B12.6327.46-3.23%2.62%0.17
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
BANR logoBANRBanner CorporationProduct Competitor2.24B66.2311.74-0.95%10.34%0.19
BOKF logoBOKFBOK Financial CorporationProduct Competitor10.44B135.5416.6510.4%8.91%0.80

Compare OBK vs Peers

Origin Bancorp, Inc. (OBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HOMB

Most directly comparable listed peer for OBK.

Scale Benchmark

vs V

Larger-name benchmark to compare OBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs HOMB, SFNC, IBCP, HOPE

OBK Income Statement

Origin Bancorp, Inc. (OBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income130.31M153.45M173.71M191.54M216.25M275.28M299.56M300.37M330.99M
NII Growth %7.97%17.76%13.2%10.26%12.9%27.3%8.82%0.27%10.2%
Net Interest Margin %3.14%3.18%3.26%2.51%2.75%2.84%3.08%3.1%3.4%
Interest Income152.59M188.1M227.08M228.7M241.66M326.6M523.39M564.59M537.96M
Interest Expense22.29M34.64M53.37M37.17M25.4M51.33M223.83M264.22M206.97M
Loan Loss Provision8.34M1.01M9.57M59.9M-10.77M24.69M16.75M7.45M43.13M
Non-Interest Income24.32M37.38M42.31M58.26M48.8M51.18M53.3M52.22M60.64M
Non-Interest Income %13.75%16.58%15.71%20.3%16.8%13.55%9.24%8.47%10.13%
Total Revenue
176.92M▲ 0%
225.47M▲ 27.4%
269.39M▲ 19.5%
286.96M▲ 6.5%
290.46M▲ 1.2%
377.78M▲ 30.1%
576.69M▲ 52.7%
616.8M▲ 7.0%
598.6M▼ 3.0%
Revenue Growth %-0.13%27.45%19.48%6.52%1.22%30.06%52.65%6.96%-2.95%
Non-Interest Expense125.81M127.37M139.91M145.54M143.39M194.32M230.18M247.87M249.71M
Efficiency Ratio71.11%56.49%51.93%50.72%49.37%51.44%39.91%40.19%41.71%
Operating Income
20.48M▲ 0%
62.44M▲ 204.9%
66.55M▲ 6.6%
44.35M▼ 33.4%
132.43M▲ 198.6%
107.44M▼ 18.9%
105.92M▼ 1.4%
97.26M▼ 8.2%
98.8M▲ 1.6%
Operating Margin %11.58%27.69%24.7%15.46%45.59%28.44%18.37%15.77%16.5%
Operating Income Growth %29.91%204.86%6.58%-33.35%198.58%-18.87%-1.41%-8.18%1.58%
Pretax Income
20.48M▲ 0%
62.44M▲ 204.9%
66.55M▲ 6.6%
44.35M▼ 33.4%
132.43M▲ 198.6%
107.44M▼ 18.9%
105.92M▼ 1.4%
97.26M▼ 8.2%
95.64M▼ 1.7%
Pretax Margin %11.58%27.69%24.7%15.46%45.59%28.44%18.37%15.77%15.98%
Income Tax5.81M10.84M12.67M8M23.89M19.73M22.12M20.77M20.44M
Effective Tax Rate %28.38%17.36%19.03%18.03%18.04%18.36%20.89%21.35%21.38%
Net Income
14.67M▲ 0%
51.6M▲ 251.8%
53.88M▲ 4.4%
36.36M▼ 32.5%
108.55M▲ 198.6%
87.72M▼ 19.2%
83.8M▼ 4.5%
76.49M▼ 8.7%
75.2M▼ 1.7%
Net Margin %8.29%22.89%20%12.67%37.37%23.22%14.53%12.4%12.56%
Net Income Growth %14.16%251.8%4.41%-32.52%198.56%-19.19%-4.46%-8.72%-1.69%
Net Income (Continuing)14.67M51.6M53.88M36.36M108.55M87.72M83.8M76.49M75.2M
EPS (Diluted)
0.45▲ 0%
2.20▲ 388.9%
2.28▲ 3.6%
1.55▼ 32.0%
4.60▲ 196.8%
3.28▼ 28.7%
2.71▼ 17.4%
2.45▼ 9.6%
2.40▼ 2.0%
EPS Growth %21.62%388.89%3.64%-32.02%196.77%-28.7%-17.38%-9.59%-2.04%
EPS (Basic)0.452.212.301.564.633.292.722.462.43
Diluted Shares Outstanding22.02M22.19M23.67M23.51M23.61M26.76M30.93M31.2M31.07M

OBK Balance Sheet

Origin Bancorp, Inc. (OBK) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments591.72M692.32M792.59M1.38B2.21B2B1.53B1.57B104.19M
Cash & Due from Banks187.19M116.68M291.52M377.21M705.62M358.97M280.44M470.25M73.12M
Short Term Investments404.53M575.64M501.07M1B1.5B1.64B1.25B1.1B31.07M
Total Investments3.71B4.41B4.71B6.88B6.78B8.71B8.85B8.61B31.07M
Investments Growth %4.66%19.08%6.76%46.1%-1.48%28.45%1.62%-2.71%-99.64%
Long-Term Investments3.3B3.84B4.21B5.88B5.28B7.07B7.6B7.51B0
Accounts Receivables83.88M83.77M110.93M141.04M141.76M209.2M000
Goodwill & Intangibles48.52M57.98M52.24M44.14M67.55M199.33M189.77M166.15M162.04M
Goodwill22.19M26.74M26.74M26.74M34.37M128.68M128.68M128.68M128.68M
Intangible Assets26.33M31.23M25.5M17.4M33.18M70.65M61.09M37.47M33.36M
PP&E (Net)77.41M75.01M80.46M81.76M80.69M100.2M118.98M126.62M124.25M
Other Assets41.93M74.86M77.77M100.14M83.54M106.42M280.42M302.4M0
Total Current Assets675.6M776.09M903.52M1.52B2.35B2.21B1.53B1.57B104.19M
Total Non-Current Assets3.48B4.05B4.42B6.11B5.51B7.48B8.19B8.11B286.29M
Total Assets
4.15B▲ 0%
4.82B▲ 16.1%
5.32B▲ 10.4%
7.63B▲ 43.3%
7.86B▲ 3.1%
9.69B▲ 23.2%
9.72B▲ 0.4%
9.68B▼ 0.5%
9.72B▲ 0.5%
Asset Growth %2.03%16.07%10.43%43.26%3.05%23.21%0.38%-0.45%0.48%
Return on Assets (ROA)0.36%1.15%1.06%0.56%1.4%1%0.86%0.79%0.78%
Accounts Payable000000000
Total Debt153.98M454.87M426.86M1.14B467.22M841M277.88M172.4M35.59M
Net Debt-33.21M338.19M135.34M764.58M-238.4M482.02M-2.56M-297.85M-37.53M
Long-Term Debt153.98M454.87M282.28M427.9M414.42M208.5M200.75M166.14M35.59M
Short-Term Debt00144.58M713.89M52.8M632.49M77.12M6.26M0
Other Liabilities34.99M00000130.68M137.93M6.46B
Total Current Liabilities3.54B3.82B4.44B6.55B6.72B8.53B8.33B8.23B1.98B
Total Non-Current Liabilities188.97M454.87M282.28M427.9M414.42M208.5M331.43M304.07M6.5B
Total Liabilities3.73B4.27B4.73B6.98B7.13B8.74B8.66B8.53B8.48B
Total Equity
420.35M▲ 0%
549.78M▲ 30.8%
599.26M▲ 9.0%
647.15M▲ 8.0%
730.21M▲ 12.8%
949.94M▲ 30.1%
1.06B▲ 11.9%
1.15B▲ 7.7%
1.25B▲ 8.9%
Equity Growth %0.06%30.79%9%7.99%12.83%30.09%11.89%7.75%8.86%
Equity / Assets (Capital Ratio)10.12%11.4%11.25%8.48%9.29%9.81%10.93%11.83%12.82%
Return on Equity (ROE)3.49%10.64%9.38%5.83%15.76%10.44%8.33%6.93%6.29%
Book Value per Share19.0924.7725.3127.5230.9335.5034.3636.7040.13
Tangible BV per Share16.8822.1623.1125.6528.0728.0528.2331.3834.91
Common Stock97.59M118.63M117.41M117.53M118.73M153.73M154.93M155.99M154.76M
Additional Paid-in Capital146.06M242.04M235.62M237.34M242.11M520.67M528.58M537.37M533.54M
Retained Earnings145.12M191.59M239.9M266.63M363.63M435.42M500.42M557.92M612.52M
Accumulated OCI1.31M-2.48M6.33M25.65M5.73M-159.88M-121.02M-106.03M-54.14M
Treasury Stock000000000
Preferred Stock65.26M00000000

OBK Cash Flow Statement

Origin Bancorp, Inc. (OBK) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations61.99M77.83M61.55M887K171.49M145.65M129.92M108.48M158.92M
Operating CF Growth %13.58%25.55%-20.91%-98.56%19233.15%-15.07%-10.8%-16.5%46.49%
Net Income14.67M51.6M53.88M36.36M108.55M87.72M83.8M76.49M75.2M
Depreciation & Amortization5.85M5.87M6.71M6.88M6.83M12.3M17.63M16.8M16.81M
Deferred Taxes4.93M5.64M-2.6M-11.88M6.28M18.31M27.71M-1.47M-4.52M
Other Non-Cash Items35.7M13.97M2.07M-31.87M42.04M27.76M-4.29M6.51M66.04M
Working Capital Changes-631K-713K-755K-917K5.5M-3.89M-207K2.98M-2.87M
Cash from Investing-197.65M-764.93M-291.19M-2.12B12.85M-455.99M-130.03M231.94M-113.69M
Purchase of Investments-448.41M-497.41M-106.06M-733.25M-718.51M-588.61M-14.2M-260.56M-853.32M
Sale/Maturity of Investments410.08M301.46M186.6M218.32M227.91M677.57M455.51M400.89M883.78M
Net Investment Activity-38.33M-195.95M80.53M-514.93M-490.6M88.95M441.31M140.34M30.46M
Acquisitions844K-6.14M503K818K-7.46M69.95M000
Other Investing-157.14M-557.35M-361.07M-1.59B515.92M-606.43M-544.52M113.65M-136.28M
Cash from Financing62.97M616.59M404.47M2.2B144.07M-36.31M-78.42M-150.61M-91.27M
Dividends Paid-7M-5.94M-5.86M-8.85M-11.53M-15.89M-18.57M-18.75M-18.87M
Share Repurchases0-48.26M-10.06M-723K-1.26M000-15.81M
Stock Issued123K95.74M166K248K146K2.95M3.14M1.87M954K
Net Stock Activity123K47.48M-9.89M-475K-1.11M2.95M3.14M1.87M-14.85M
Debt Issuance (Net)-1000K1000K-1000K1000K-1000K1000K-1000K-1000K-1000K
Other Financing71.13M275.23M421.88M1.51B820.42M-353.11M454.63M-28.87M91M
Net Change in Cash
-72.7M▲ 0%
-70.51M▲ 3.0%
174.84M▲ 348.0%
85.7M▼ 51.0%
328.4M▲ 283.2%
-346.65M▼ 205.6%
-78.53M▲ 77.3%
189.81M▲ 341.7%
-46.03M▼ 124.3%
Exchange Rate Effect000000000
Cash at Beginning259.88M187.19M116.68M291.52M377.21M705.62M358.97M280.44M470.25M
Cash at End187.19M116.68M291.52M377.21M705.62M358.97M280.44M470.25M424.22M
Interest Paid22.69M34.39M53.23M36.43M26.27M50.1M215.48M268.46M211.76M
Income Taxes Paid5.27M675K10.02M24.97M21.16M6.26M383K24.17M34.48M
Free Cash Flow
58.96M▲ 0%
72.34M▲ 22.7%
50.4M▼ 30.3%
-6.31M▼ 112.5%
166.47M▲ 2737.8%
137.18M▼ 17.6%
103.09M▼ 24.9%
86.43M▼ 16.2%
151.05M▲ 74.8%
FCF Growth %26.37%22.71%-30.33%-112.52%2737.78%-17.59%-24.85%-16.16%74.76%

OBK Banking Ratios

Origin Bancorp, Inc. (OBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)3.06%3.49%10.64%9.38%5.83%15.76%10.44%8.33%6.93%6.29%
Return on Assets (ROA)0.32%0.36%1.15%1.06%0.56%1.4%1%0.86%0.79%0.78%
Net Interest Margin2.96%3.14%3.18%3.26%2.51%2.75%2.84%3.08%3.1%3.4%
Efficiency Ratio63.7%71.11%56.49%51.93%50.72%49.37%51.44%39.91%40.19%41.71%
Equity / Assets10.32%10.12%11.4%11.25%8.48%9.29%9.81%10.93%11.83%12.82%
Book Value / Share19.0719.0924.7725.3127.5230.9335.534.3636.740.13
NII Growth-7.97%17.76%13.2%10.26%12.9%27.3%8.82%0.27%10.2%
Dividend Payout44.86%47.69%11.51%10.88%24.35%10.62%18.11%22.16%24.51%25.1%

OBK SEC Filings & Documents

Origin Bancorp, Inc. (OBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Apr 10, 2026·SEC

Material company update

Jan 28, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

5
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 7, 2025·SEC

OBK Frequently Asked Questions

Origin Bancorp, Inc. (OBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Origin Bancorp, Inc. (OBK) saw revenue decline by 3.0% over the past year.

Yes, Origin Bancorp, Inc. (OBK) is profitable, generating $75.2M in net income for fiscal year 2025 (12.6% net margin).

Dividend & Returns

Yes, Origin Bancorp, Inc. (OBK) pays a dividend with a yield of 1.29%. This makes it attractive for income-focused investors.

Origin Bancorp, Inc. (OBK) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.

Industry Metrics

Origin Bancorp, Inc. (OBK) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

Origin Bancorp, Inc. (OBK) has an efficiency ratio of 41.7%. This is excellent, indicating strong cost control.

Explore More OBK

Origin Bancorp, Inc. (OBK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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