8-K Announcements
6Apr 22, 2026·SEC
Apr 10, 2026·SEC
Jan 28, 2026·SEC
Origin Bancorp, Inc. (OBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Origin Bancorp, Inc. (OBK) stock price & volume — 10-year historical chart
Origin Bancorp, Inc. (OBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Origin Bancorp, Inc. (OBK) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.89vs $0.90-1.1% | $104Mvs $104M+0.0% |
| Q1 2026 | Jan 28, 2026 | $0.95vs $0.88+8.0% | $103Mvs $100M+3.2% |
| Q4 2025 | Oct 22, 2025 | $0.27vs $0.89-69.7% | $108Mvs $100M+8.2% |
| Q3 2025 | Jul 23, 2025 | $0.47vs $0.78-39.7% | $85Mvs $98M-13.9% |
Origin Bancorp, Inc. (OBK) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Origin Bancorp, Inc. (OBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Origin Bancorp, Inc. (OBK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 130.31M | 153.45M | 173.71M | 191.54M | 216.25M | 275.28M | 299.56M | 300.37M | 330.99M |
| 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 Income | 152.59M | 188.1M | 227.08M | 228.7M | 241.66M | 326.6M | 523.39M | 564.59M | 537.96M |
| Interest Expense | 22.29M | 34.64M | 53.37M | 37.17M | 25.4M | 51.33M | 223.83M | 264.22M | 206.97M |
| Loan Loss Provision | 8.34M | 1.01M | 9.57M | 59.9M | -10.77M | 24.69M | 16.75M | 7.45M | 43.13M |
| Non-Interest Income | 24.32M | 37.38M | 42.31M | 58.26M | 48.8M | 51.18M | 53.3M | 52.22M | 60.64M |
| 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 Expense | 125.81M | 127.37M | 139.91M | 145.54M | 143.39M | 194.32M | 230.18M | 247.87M | 249.71M |
| Efficiency Ratio | 71.11% | 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 Tax | 5.81M | 10.84M | 12.67M | 8M | 23.89M | 19.73M | 22.12M | 20.77M | 20.44M |
| 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) | 14.67M | 51.6M | 53.88M | 36.36M | 108.55M | 87.72M | 83.8M | 76.49M | 75.2M |
| 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) | 0.45 | 2.21 | 2.30 | 1.56 | 4.63 | 3.29 | 2.72 | 2.46 | 2.43 |
| Diluted Shares Outstanding | 22.02M | 22.19M | 23.67M | 23.51M | 23.61M | 26.76M | 30.93M | 31.2M | 31.07M |
Origin Bancorp, Inc. (OBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 591.72M | 692.32M | 792.59M | 1.38B | 2.21B | 2B | 1.53B | 1.57B | 104.19M |
| Cash & Due from Banks | 187.19M | 116.68M | 291.52M | 377.21M | 705.62M | 358.97M | 280.44M | 470.25M | 73.12M |
| Short Term Investments | 404.53M | 575.64M | 501.07M | 1B | 1.5B | 1.64B | 1.25B | 1.1B | 31.07M |
| Total Investments | 3.71B | 4.41B | 4.71B | 6.88B | 6.78B | 8.71B | 8.85B | 8.61B | 31.07M |
| Investments Growth % | 4.66% | 19.08% | 6.76% | 46.1% | -1.48% | 28.45% | 1.62% | -2.71% | -99.64% |
| Long-Term Investments | 3.3B | 3.84B | 4.21B | 5.88B | 5.28B | 7.07B | 7.6B | 7.51B | 0 |
| Accounts Receivables | 83.88M | 83.77M | 110.93M | 141.04M | 141.76M | 209.2M | 0 | 0 | 0 |
| Goodwill & Intangibles | 48.52M | 57.98M | 52.24M | 44.14M | 67.55M | 199.33M | 189.77M | 166.15M | 162.04M |
| Goodwill | 22.19M | 26.74M | 26.74M | 26.74M | 34.37M | 128.68M | 128.68M | 128.68M | 128.68M |
| Intangible Assets | 26.33M | 31.23M | 25.5M | 17.4M | 33.18M | 70.65M | 61.09M | 37.47M | 33.36M |
| PP&E (Net) | 77.41M | 75.01M | 80.46M | 81.76M | 80.69M | 100.2M | 118.98M | 126.62M | 124.25M |
| Other Assets | 41.93M | 74.86M | 77.77M | 100.14M | 83.54M | 106.42M | 280.42M | 302.4M | 0 |
| Total Current Assets | 675.6M | 776.09M | 903.52M | 1.52B | 2.35B | 2.21B | 1.53B | 1.57B | 104.19M |
| Total Non-Current Assets | 3.48B | 4.05B | 4.42B | 6.11B | 5.51B | 7.48B | 8.19B | 8.11B | 286.29M |
| 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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 153.98M | 454.87M | 426.86M | 1.14B | 467.22M | 841M | 277.88M | 172.4M | 35.59M |
| Net Debt | -33.21M | 338.19M | 135.34M | 764.58M | -238.4M | 482.02M | -2.56M | -297.85M | -37.53M |
| Long-Term Debt | 153.98M | 454.87M | 282.28M | 427.9M | 414.42M | 208.5M | 200.75M | 166.14M | 35.59M |
| Short-Term Debt | 0 | 0 | 144.58M | 713.89M | 52.8M | 632.49M | 77.12M | 6.26M | 0 |
| Other Liabilities | 34.99M | 0 | 0 | 0 | 0 | 0 | 130.68M | 137.93M | 6.46B |
| Total Current Liabilities | 3.54B | 3.82B | 4.44B | 6.55B | 6.72B | 8.53B | 8.33B | 8.23B | 1.98B |
| Total Non-Current Liabilities | 188.97M | 454.87M | 282.28M | 427.9M | 414.42M | 208.5M | 331.43M | 304.07M | 6.5B |
| Total Liabilities | 3.73B | 4.27B | 4.73B | 6.98B | 7.13B | 8.74B | 8.66B | 8.53B | 8.48B |
| 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 Share | 19.09 | 24.77 | 25.31 | 27.52 | 30.93 | 35.50 | 34.36 | 36.70 | 40.13 |
| Tangible BV per Share | 16.88 | 22.16 | 23.11 | 25.65 | 28.07 | 28.05 | 28.23 | 31.38 | 34.91 |
| Common Stock | 97.59M | 118.63M | 117.41M | 117.53M | 118.73M | 153.73M | 154.93M | 155.99M | 154.76M |
| Additional Paid-in Capital | 146.06M | 242.04M | 235.62M | 237.34M | 242.11M | 520.67M | 528.58M | 537.37M | 533.54M |
| Retained Earnings | 145.12M | 191.59M | 239.9M | 266.63M | 363.63M | 435.42M | 500.42M | 557.92M | 612.52M |
| Accumulated OCI | 1.31M | -2.48M | 6.33M | 25.65M | 5.73M | -159.88M | -121.02M | -106.03M | -54.14M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 65.26M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Origin Bancorp, Inc. (OBK) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 61.99M | 77.83M | 61.55M | 887K | 171.49M | 145.65M | 129.92M | 108.48M | 158.92M |
| Operating CF Growth % | 13.58% | 25.55% | -20.91% | -98.56% | 19233.15% | -15.07% | -10.8% | -16.5% | 46.49% |
| Net Income | 14.67M | 51.6M | 53.88M | 36.36M | 108.55M | 87.72M | 83.8M | 76.49M | 75.2M |
| Depreciation & Amortization | 5.85M | 5.87M | 6.71M | 6.88M | 6.83M | 12.3M | 17.63M | 16.8M | 16.81M |
| Deferred Taxes | 4.93M | 5.64M | -2.6M | -11.88M | 6.28M | 18.31M | 27.71M | -1.47M | -4.52M |
| Other Non-Cash Items | 35.7M | 13.97M | 2.07M | -31.87M | 42.04M | 27.76M | -4.29M | 6.51M | 66.04M |
| Working Capital Changes | -631K | -713K | -755K | -917K | 5.5M | -3.89M | -207K | 2.98M | -2.87M |
| Cash from Investing | -197.65M | -764.93M | -291.19M | -2.12B | 12.85M | -455.99M | -130.03M | 231.94M | -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 Investments | 410.08M | 301.46M | 186.6M | 218.32M | 227.91M | 677.57M | 455.51M | 400.89M | 883.78M |
| Net Investment Activity | -38.33M | -195.95M | 80.53M | -514.93M | -490.6M | 88.95M | 441.31M | 140.34M | 30.46M |
| Acquisitions | 844K | -6.14M | 503K | 818K | -7.46M | 69.95M | 0 | 0 | 0 |
| Other Investing | -157.14M | -557.35M | -361.07M | -1.59B | 515.92M | -606.43M | -544.52M | 113.65M | -136.28M |
| Cash from Financing | 62.97M | 616.59M | 404.47M | 2.2B | 144.07M | -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 Repurchases | 0 | -48.26M | -10.06M | -723K | -1.26M | 0 | 0 | 0 | -15.81M |
| Stock Issued | 123K | 95.74M | 166K | 248K | 146K | 2.95M | 3.14M | 1.87M | 954K |
| Net Stock Activity | 123K | 47.48M | -9.89M | -475K | -1.11M | 2.95M | 3.14M | 1.87M | -14.85M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | 71.13M | 275.23M | 421.88M | 1.51B | 820.42M | -353.11M | 454.63M | -28.87M | 91M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 259.88M | 187.19M | 116.68M | 291.52M | 377.21M | 705.62M | 358.97M | 280.44M | 470.25M |
| Cash at End | 187.19M | 116.68M | 291.52M | 377.21M | 705.62M | 358.97M | 280.44M | 470.25M | 424.22M |
| Interest Paid | 22.69M | 34.39M | 53.23M | 36.43M | 26.27M | 50.1M | 215.48M | 268.46M | 211.76M |
| Income Taxes Paid | 5.27M | 675K | 10.02M | 24.97M | 21.16M | 6.26M | 383K | 24.17M | 34.48M |
| 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% |
Origin Bancorp, Inc. (OBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.96% | 3.14% | 3.18% | 3.26% | 2.51% | 2.75% | 2.84% | 3.08% | 3.1% | 3.4% |
| Efficiency Ratio | 63.7% | 71.11% | 56.49% | 51.93% | 50.72% | 49.37% | 51.44% | 39.91% | 40.19% | 41.71% |
| Equity / Assets | 10.32% | 10.12% | 11.4% | 11.25% | 8.48% | 9.29% | 9.81% | 10.93% | 11.83% | 12.82% |
| Book Value / Share | 19.07 | 19.09 | 24.77 | 25.31 | 27.52 | 30.93 | 35.5 | 34.36 | 36.7 | 40.13 |
| NII Growth | - | 7.97% | 17.76% | 13.2% | 10.26% | 12.9% | 27.3% | 8.82% | 0.27% | 10.2% |
| Dividend Payout | 44.86% | 47.69% | 11.51% | 10.88% | 24.35% | 10.62% | 18.11% | 22.16% | 24.51% | 25.1% |
Origin Bancorp, Inc. (OBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Apr 10, 2026·SEC
Jan 28, 2026·SEC
Origin Bancorp, Inc. (OBK) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Origin Bancorp, Inc. (OBK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates