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Origin Bancorp (OBNK) Financials

Origin Bancorp logo
$38.91 -0.05 (-0.13%)
As of 08/28/2025
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Annual Income Statements for Origin Bancorp

Annual Income Statements for Origin Bancorp

This table shows Origin Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 8.14 9.83 49 54 36 109 88 84 76
Consolidated Net Income / (Loss)		 13 15 52 54 36 109 88 84 76
Net Income / (Loss) Continuing Operations		 13 15 52 54 36 109 88 84 76
Total Pre-Tax Income 		16 20 62 67 44 132 107 106 97
Total Revenue		 163 159 195 220 256 278 333 358 356
Net Interest Income / (Expense)		 121 130 153 174 192 216 275 300 300
Total Interest Income		 139 153 188 227 229 242 327 523 565
Loans and Leases Interest Income		 128 139 169 207 209 219 286 467 517
Investment Securities Interest Income		 11 14 19 20 20 23 40 57 47
Total Interest Expense		 18 22 35 53 37 25 51 224 264
Deposits Interest Expense		 15 19 30 45 27 13 34 196 255
Long-Term Debt Interest Expense		 3.22 2.97 4.97 8.65 10 12 18 27 9.35
Total Non-Interest Income		 42 29 41 46 65 62 57 58 55
Other Service Charges		 9.58 6.24 6.52 8.45 9.86 14 8.35 13 13
Net Realized & Unrealized Capital Gains on Investments		 0.14 -13 2.62 -0.32 -0.56 7.28 1.66 -1.54 -9.61
Other Non-Interest Income		 32 36 32 38 55 41 47 47 52
Provision for Credit Losses		 30 8.34 1.01 9.57 60 -11 25 17 7.45
Total Non-Interest Expense		 117 131 131 144 152 157 200 235 251
Salaries and Employee Benefits		 64 71 80 89 91 93 119 139 149
Net Occupancy & Equipment Expense		 28 27 28 30 31 33 39 49 53
Marketing Expense		 2.85 2.92 4.28 3.81 3.71 3.44 4.43 5.99 6.15
Property & Liability Insurance Claims		 3.23 2.87 2.46 1.69 3.83 2.90 3.55 6.46 6.90
Other Operating Expenses		 19 27 16 18 21 24 23 25 28
Amortization Expense		 - - 0.96 1.32 1.06 0.84 5.49 9.63 7.98
Restructuring Charge		 - - - - 0.00 0.00 6.17 0.00 0.00
Income Tax Expense		 2.92 5.81 11 13 8.00 24 20 22 21
Basic Earnings per Share		 $0.46 $0.51 $2.21 $2.30 $1.56 $4.63 $3.29 $2.72 $2.46
Weighted Average Basic Shares Outstanding		 - - 23.75M - 23.51M 23.75M 30.77M 30.99M 31.21M
Diluted Earnings per Share		 $0.46 $0.50 $2.20 $2.28 $1.55 $4.60 $3.28 $2.71 $2.45
Weighted Average Diluted Shares Outstanding		 - - 23.75M - 23.51M 23.75M 30.77M 30.99M 31.21M
Weighted Average Basic & Diluted Shares Outstanding		 - - 23.75M - 23.51M 23.75M 30.77M 30.99M 31.21M
Cash Dividends to Common per Share		 $0.13 $0.13 $0.13 $0.25 $0.38 $0.49 $0.58 $0.60 $0.60

Quarterly Income Statements for Origin Bancorp

This table shows Origin Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 16 29 24 22 24 13 23 21 19 14 22
Consolidated Net Income / (Loss)		 16 29 24 22 24 13 23 21 19 14 22
Net Income / (Loss) Continuing Operations		 16 29 24 22 24 13 23 21 19 14 22
Total Pre-Tax Income 		19 36 31 28 30 18 29 27 24 18 29
Total Revenue		 92 98 94 91 92 81 91 96 91 78 94
Net Interest Income / (Expense)		 79 85 77 75 74 73 73 74 75 78 78
Total Interest Income		 91 111 120 132 135 135 139 142 144 140 133
Loans and Leases Interest Income		 80 99 106 115 121 124 127 130 133 127 117
Investment Securities Interest Income		 11 12 14 17 14 12 12 12 11 13 15
Total Interest Expense		 13 27 43 57 61 62 65 68 69 61 54
Deposits Interest Expense		 7.73 20 35 47 56 60 63 65 67 60 52
Long-Term Debt Interest Expense		 4.98 6.73 8.44 10 5.72 2.73 2.54 2.44 2.40 1.97 2.31
Total Non-Interest Income		 14 13 16 16 18 8.20 17 22 16 -0.33 16
Other Service Charges		 2.41 2.33 2.88 3.33 3.24 3.19 2.71 3.87 3.02 2.89 3.74
Net Realized & Unrealized Capital Gains on Investments		 1.85 0.18 0.14 0.00 2.92 -4.61 -0.27 5.19 0.22 -15 -1.69
Other Non-Interest Income		 9.47 11 13 12 12 9.62 15 13 13 11 14
Provision for Credit Losses		 17 4.62 6.20 4.31 3.52 2.74 3.01 5.23 4.60 -5.40 3.44
Total Non-Interest Expense		 56 57 57 59 59 61 59 64 63 65 62
Salaries and Employee Benefits		 32 33 34 35 35 36 36 38 38 36 38
Net Occupancy & Equipment Expense		 10 11 12 12 12 13 12 14 13 14 14
Marketing Expense		 1.20 1.51 1.46 1.47 1.37 1.69 1.44 1.33 1.45 1.93 1.13
Property & Liability Insurance Claims		 0.88 1.24 0.95 1.73 1.91 1.86 1.73 1.84 1.79 1.54 1.39
Other Operating Expenses		 6.64 6.43 6.35 6.47 6.06 6.25 5.28 7.42 6.13 9.54 5.58
Amortization Expense		 1.87 2.55 2.55 2.55 2.26 2.26 2.14 2.14 1.91 1.80 1.76
Income Tax Expense		 2.82 6.82 6.27 5.97 5.76 4.12 6.23 5.75 5.07 3.73 6.14
Basic Earnings per Share		 $0.57 $0.95 $0.79 $0.71 $0.79 $0.43 $0.73 $0.68 $0.60 $0.45 $0.72
Weighted Average Basic Shares Outstanding		 30.67M 30.77M 30.78M 30.87M 30.91M 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M
Diluted Earnings per Share		 $0.57 $0.94 $0.79 $0.70 $0.79 $0.43 $0.73 $0.67 $0.60 $0.45 $0.71
Weighted Average Diluted Shares Outstanding		 30.67M 30.77M 30.78M 30.87M 30.91M 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M
Weighted Average Basic & Diluted Shares Outstanding		 30.67M 30.77M 30.78M 30.87M 30.91M 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M
Cash Dividends to Common per Share		 $0.15 - $0.15 $0.15 $0.15 - $0.15 $0.15 $0.15 - $0.15

Annual Cash Flow Statements for Origin Bancorp

This table details how cash moves in and out of Origin Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -16 -73 -71 175 86 328 -347 -79 190
Net Cash From Operating Activities		 55 62 78 62 0.89 171 146 130 108
Net Cash From Continuing Operating Activities		 55 62 78 62 0.89 171 146 130 108
Net Income / (Loss) Continuing Operations		 13 15 52 54 36 109 88 84 76
Consolidated Net Income / (Loss)		 13 15 52 54 36 109 88 84 76
Provision For Loan Losses		 30 8.34 - 9.57 60 -11 25 17 7.45
Depreciation Expense		 7.85 5.85 5.87 6.71 6.88 6.83 12 18 17
Amortization Expense		 3.60 4.05 3.04 2.58 6.02 9.58 10 8.73 6.56
Non-Cash Adjustments to Reconcile Net Income		 -0.57 23 3.58 -19 -105 51 14 2.35 -2.73
Changes in Operating Assets and Liabilities, net		 0.77 6.49 14 8.04 -3.14 6.31 -3.20 0.66 3.91
Net Cash From Investing Activities		 -155 -198 -765 -291 -2,116 13 -456 -130 232
Net Cash From Continuing Investing Activities		 -155 -198 -765 -291 -2,116 13 -440 -154 232
Purchase of Property, Leasehold Improvements and Equipment		 -7.93 -3.03 -5.48 -11 -7.20 -5.02 -8.47 -27 -22
Purchase of Investment Securities		 -4,317 -4,971 -5,598 -4,704 -15,165 -16,847 -9,699 -6,485 -9,976
Sale of Property, Leasehold Improvements and Equipment		 0.04 4.41 0.11 0.03 0.00 0.02 0.00 0.05 5.57
Divestitures		 - - - - - - 70 0.00 0.00
Sale and/or Maturity of Investments		 4,170 4,772 4,845 4,424 13,056 16,865 9,197 6,357 10,225
Net Cash From Financing Activities		 84 63 617 404 2,201 144 -36 -78 -151
Net Cash From Continuing Financing Activities		 84 63 617 404 2,201 144 -36 -78 -151
Net Change in Deposits		 55 69 271 445 1,523 819 -361 475 -28
Issuance of Debt		 2.98 0.00 918 2,915 2,254 5,726 10,055 6,065 1,685
Repayment of Debt		 -7.74 -1.29 -618 -2,917 -1,878 -6,390 -9,725 -6,583 -1,790
Payment of Dividends		 -5.76 -7.00 -5.94 -5.86 -8.85 -12 -16 -19 -19
Other Financing Activities, Net		 -4.94 2.51 4.67 -23 311 1.19 11 -18 1.01
Cash Interest Paid		 19 23 34 53 36 26 50 215 268
Cash Income Taxes Paid		 7.09 5.27 0.68 10 25 21 -6.26 0.38 24

Quarterly Cash Flow Statements for Origin Bancorp

This table details how cash moves in and out of Origin Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -23 59 466 -359 -161 -25 11 -3.46 33 149 16
Net Cash From Operating Activities		 39 52 28 48 25 29 27 12 40 30 36
Net Cash From Continuing Operating Activities		 39 52 28 48 25 29 27 12 40 30 36
Net Income / (Loss) Continuing Operations		 16 29 24 22 24 13 23 21 19 14 22
Consolidated Net Income / (Loss)		 16 29 24 22 24 13 23 21 19 14 22
Provision For Loan Losses		 17 4.62 6.20 4.31 3.52 2.74 3.01 5.23 4.60 -5.40 3.44
Depreciation Expense		 3.67 4.50 4.53 4.57 4.24 4.30 4.08 4.15 4.04 4.53 5.25
Amortization Expense		 2.25 2.36 2.20 2.25 2.23 2.05 1.63 1.64 1.69 1.59 0.99
Non-Cash Adjustments to Reconcile Net Income		 -0.90 13 -1.53 -4.71 -5.79 14 -11 -11 9.41 9.22 4.26
Changes in Operating Assets and Liabilities, net		 0.93 -2.39 -8.12 19 -3.18 -7.44 6.39 -9.36 1.23 5.66 -0.79
Net Cash From Investing Activities		 483 -179 -217 -181 265 2.74 -162 -43 32 405 -58
Net Cash From Continuing Investing Activities		 483 -164 -217 -190 259 -6.21 -162 -43 32 405 -58
Purchase of Property, Leasehold Improvements and Equipment		 -1.32 -2.83 -5.79 -3.47 -8.26 -9.32 -3.91 -5.36 -7.33 -5.45 -0.75
Purchase of Investment Securities		 -2,751 -887 -1,209 -2,353 -1,940 -983 -1,854 -2,415 -3,000 -2,547 -2,009
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - 0.05 - 0.02 3.54 0.02 2.00 0.11
Sale and/or Maturity of Investments		 3,166 726 998 2,166 2,207 986 1,696 2,374 3,039 2,955 1,951
Net Cash From Financing Activities		 -546 186 655 -226 -451 -57 146 27 -38 -285 38
Net Cash From Continuing Financing Activities		 -546 186 655 -226 -451 -57 146 27 -38 -285 38
Net Change in Deposits		 -92 -1.63 399 316 -116 -123 254 5.38 -24 -263 115
Issuance of Debt		 4,135 4,095 3,562 2,178 150 175 670 755 260 - 117
Repayment of Debt		 -4,585 -3,915 -3,280 -2,715 -480 -108 -774 -726 -270 -20 -189
Payment of Dividends		 -4.61 -4.62 -4.62 -4.63 -4.66 -4.66 -4.67 -4.68 -4.72 -4.68 -4.75
Other Financing Activities, Net		 1.21 12 -21 -0.35 -0.36 3.69 -0.30 -2.27 0.84 2.74 0.55
Cash Interest Paid		 8.82 29 40 53 58 64 62 67 70 69 55
Cash Income Taxes Paid		 0.25 -7.47 0.00 0.47 0.01 -0.10 -2.07 20 5.86 0.00 1.35

Annual Balance Sheets for Origin Bancorp

This table presents Origin Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2019 2020 2021 2022 2023 2024
Period end date 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 4,154 5,325 7,628 7,861 9,686 9,723 9,679
Cash and Due from Banks		 78 62 61 839 150 127 133
Interest Bearing Deposits at Other Banks		 109 229 317 572 209 153 337
Trading Account Securities		 460 552 1,117 - 1,727 1,327 1,192
Loans and Leases, Net of Allowance		 0.00 4,134 0.00 0.00 7,003 7,564 7,483
Loans Held for Sale		 3,269 65 192 - 50 17 10
Premises and Equipment, Net		 77 80 82 81 100 119 127
Goodwill		 - - - 34 129 129 129
Intangible Assets		 24 32 30 17 50 45 37
Other Assets		 136 170 192 180 269 241 231
Total Liabilities & Shareholders' Equity		 4,154 5,325 7,628 7,861 9,686 9,723 9,679
Total Liabilities		 3,699 4,725 6,981 2,164 8,736 8,660 8,533
Non-Interest Bearing Deposits		 833 1,078 1,608 2,164 2,482 1,920 1,901
Interest Bearing Deposits		 2,679 3,151 4,144 - 5,293 6,331 6,322
Long-Term Debt		 154 427 1,142 - 841 278 172
Other Long-Term Liabilities		 33 70 88 - 119 131 138
Commitments & Contingencies		 35 0.00 0.00 - 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 420 599 647 730 950 1,063 1,145
Total Preferred & Common Equity		 420 599 647 730 950 1,063 1,145
Total Common Equity		 355 599 647 730 950 1,063 1,145
Common Stock		 244 353 355 361 674 684 693
Retained Earnings		 145 240 267 364 435 500 558
Accumulated Other Comprehensive Income / (Loss)		 1.31 6.33 26 5.73 -160 -121 -106

Quarterly Balance Sheets for Origin Bancorp

This table presents Origin Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 8,112 9,463 10,359 10,165 9,733 9,892 9,947 9,966 9,750
Cash and Due from Banks		 123 119 942 128 142 98 138 159 113
Interest Bearing Deposits at Other Banks		 200 182 708 338 164 193 150 162 373
Trading Account Securities		 1,892 1,744 1,603 1,611 1,372 1,263 1,242 1,246 1,251
Loans and Leases, Net of Allowance		 0.00 0.00 7,284 7,528 7,473 7,802 7,858 7,861 7,494
Loans Held for Sale		 62 60 29 15 15 15 18 7.63 10
Premises and Equipment, Net		 82 99 104 106 112 121 122 127 124
Goodwill		 - 137 129 129 129 129 129 129 129
Intangible Assets		 50 52 47 45 42 43 41 39 38
Other Assets		 236 271 254 265 285 228 249 236 219
Total Liabilities & Shareholders' Equity		 8,112 9,463 10,359 10,165 9,733 9,892 9,947 9,966 9,750
Total Liabilities		 7,465 8,556 10,738 9,167 8,734 8,814 8,851 8,820 8,570
Non-Interest Bearing Deposits		 2,215 2,667 10,422 2,124 2,009 1,887 1,867 1,894 1,889
Interest Bearing Deposits		 4,088 5,110 - 6,366 6,366 6,618 6,644 6,593 6,450
Long-Term Debt		 1,052 652 202 540 209 174 201 190 102
Other Long-Term Liabilities		 110 126 114 138 151 134 140 143 130
Commitments & Contingencies		 0.00 0.00 - - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 646 907 993 998 999 1,079 1,096 1,146 1,180
Total Preferred & Common Equity		 646 907 993 998 999 1,079 1,096 1,146 1,180
Total Common Equity		 646 907 993 998 999 1,079 1,096 1,146 1,180
Common Stock		 363 672 676 679 680 685 688 691 695
Retained Earnings		 399 411 455 472 492 518 535 548 576
Accumulated Other Comprehensive Income / (Loss)		 -116 -175 -138 -153 -173 -125 -127 -94 -90

Annual Metrics And Ratios for Origin Bancorp

This table displays calculated financial ratios and metrics derived from Origin Bancorp's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% -1.88% 22.07% 13.10% 16.35% 8.69% 19.43% 7.62% -0.60%
EBITDA Growth		 0.00% 11.64% 134.86% 6.29% -24.50% 159.96% -12.57% 1.65% -8.82%
EBIT Growth		 0.00% 29.91% 204.86% 6.58% -33.35% 198.58% -18.87% -1.41% -8.18%
NOPAT Growth		 0.00% 14.16% 251.80% 4.41% -32.52% 198.56% -19.19% -4.46% -8.72%
Net Income Growth		 0.00% 14.16% 251.80% 4.41% -32.52% 198.56% -19.19% -4.46% -8.72%
EPS Growth		 0.00% 8.70% 340.00% 3.64% -32.02% 196.77% -28.70% -17.38% -9.59%
Operating Cash Flow Growth		 0.00% 13.58% 25.55% -20.91% -98.56% 19,233.26% -15.07% -10.80% -16.50%
Free Cash Flow Firm Growth		 0.00% 0.00% 211.15% -247.10% 25.28% -423.13% 205.11% -86.63% -81.34%
Invested Capital Growth		 0.00% 0.00% -100.00% 0.00% 74.34% 218.50% -68.57% -25.14% -1.73%
Revenue Q/Q Growth		 0.00% 0.00% 5.25% 0.00% 0.00% 1.34% 8.94% -4.53% -0.88%
EBITDA Q/Q Growth		 0.00% 0.00% 6.21% 772.79% 382.20% 8.80% 4.34% -12.71% 0.19%
EBIT Q/Q Growth		 0.00% 0.00% 8.72% 0.00% 0.00% 9.24% 2.99% -15.04% 0.47%
NOPAT Q/Q Growth		 0.00% 0.00% 16.76% 0.00% 0.00% 11.02% 1.34% -16.08% 1.12%
Net Income Q/Q Growth		 0.00% 0.00% 16.76% 0.00% 0.00% 11.02% 1.34% -16.08% 1.12%
EPS Q/Q Growth		 0.00% 0.00% 16.40% 0.00% 0.00% 11.11% -7.61% -15.84% 0.82%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 8.33% 16.77% -97.11% 24.74% 20.75% -14.70% 0.40%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -726.60% -1,387.12% -48,360.76% 1,429.60% 18.38% 290.31%
Invested Capital Q/Q Growth		 0.00% 0.00% -100.00% 0.83% 67.73% 386.09% 14.87% 10.99% -1.37%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 16.74% 19.05% 36.65% 34.44% 22.35% 53.46% 39.13% 36.96% 33.90%
EBIT Margin		 9.70% 12.84% 32.07% 30.22% 17.31% 47.56% 32.31% 29.60% 27.34%
Profit (Net Income) Margin		 7.91% 9.20% 26.51% 24.47% 14.19% 38.98% 26.38% 23.41% 21.50%
Tax Burden Percent		 81.50% 71.62% 82.64% 80.97% 81.97% 81.96% 81.64% 79.11% 78.65%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.50% 28.38% 17.36% 19.03% 18.03% 18.04% 18.36% 20.89% 21.35%
Return on Invested Capital (ROIC)		 0.00% 4.81% 16.94% 10.50% 2.58% 2.90% 2.34% 5.35% 5.75%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 4.81% 16.94% 10.50% 2.58% 2.90% 2.34% 5.35% 5.75%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 2.16% 7.61% 7.48% 3.25% 12.86% 8.10% 2.97% 1.17%
Return on Equity (ROE)		 0.00% 6.98% 24.55% 17.98% 5.83% 15.76% 10.44% 8.33% 6.93%
Cash Return on Invested Capital (CROIC)		 0.00% -195.19% 216.94% -189.50% -51.61% -101.52% 106.68% 34.10% 7.50%
Operating Return on Assets (OROA)		 0.00% 0.49% 3.01% 2.50% 0.68% 1.71% 1.22% 1.09% 1.00%
Return on Assets (ROA)		 0.00% 0.35% 2.48% 2.02% 0.56% 1.40% 1.00% 0.86% 0.79%
Return on Common Equity (ROCE)		 0.00% 5.90% 20.74% 17.98% 5.83% 15.76% 10.44% 8.33% 6.93%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 3.49% 0.00% 8.99% 5.62% 14.87% 9.23% 7.88% 6.68%
Net Operating Profit after Tax (NOPAT)		 13 15 52 54 36 109 88 84 76
NOPAT Margin		 7.91% 9.20% 26.51% 24.47% 14.19% 38.98% 26.38% 23.41% 21.50%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.09% 62.95% 57.67% 55.94% 49.10% 46.45% 48.77% 54.21% 58.41%
Operating Expenses to Revenue		 71.80% 81.93% 67.41% 65.43% 59.31% 56.31% 60.27% 65.72% 70.57%
Earnings before Interest and Taxes (EBIT)		 16 20 62 67 44 132 107 106 97
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 27 30 71 76 57 149 130 132 121
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.35 0.00 1.38 0.95 1.31 1.14 1.01 0.90
Price to Tangible Book Value (P/TBV)		 0.00 0.37 0.00 1.45 1.00 1.41 1.40 1.21 1.06
Price to Revenue (P/Rev)		 0.76 0.78 3.81 3.74 2.40 3.43 3.25 3.00 2.91
Price to Earnings (P/E)		 15.20 12.58 15.24 15.30 16.92 8.79 12.31 12.82 13.52
Dividend Yield		 0.00% 0.00% 0.31% 0.80% 1.44% 1.21% 1.65% 1.73% 1.81%
Earnings Yield		 6.58% 7.95% 6.56% 6.54% 5.91% 11.38% 8.12% 7.80% 7.40%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.26 0.00 0.94 0.77 0.00 0.87 0.80 0.56
Enterprise Value to Revenue (EV/Rev)		 0.00 0.98 3.81 4.36 5.39 0.00 4.70 3.00 2.07
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 5.12 10.39 12.65 24.09 0.00 12.00 8.11 6.10
Enterprise Value to EBIT (EV/EBIT)		 0.00 7.60 11.87 14.42 31.10 0.00 14.54 10.12 7.57
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 10.61 14.36 17.81 37.95 0.00 17.81 12.79 9.62
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 2.51 9.52 15.59 1,555.32 0.00 10.72 8.25 6.78
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 1.12 0.00 0.00 0.00 0.39 2.01 7.39
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.00 0.37 0.00 0.71 1.76 0.00 0.89 0.26 0.15
Long-Term Debt to Equity		 0.00 0.37 0.00 0.71 1.76 0.00 0.89 0.26 0.15
Financial Leverage		 0.00 0.45 0.45 0.71 1.26 4.44 3.46 0.56 0.20
Leverage Ratio		 0.00 9.88 9.88 8.89 10.39 11.25 10.44 9.64 8.79
Compound Leverage Factor		 0.00 9.88 9.88 8.89 10.39 11.25 10.44 9.64 8.79
Debt to Total Capital		 0.00% 26.81% 0.00% 41.60% 63.82% 0.00% 46.96% 20.73% 13.08%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 26.81% 0.00% 41.60% 63.82% 0.00% 46.96% 20.73% 13.08%
Preferred Equity to Total Capital		 0.00% 11.36% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 61.83% 0.00% 58.40% 36.18% 100.00% 53.04% 79.28% 86.92%
Debt to EBITDA		 0.00 5.07 0.00 5.63 19.94 0.00 6.46 2.10 1.43
Net Debt to EBITDA		 0.00 -1.09 0.00 1.78 13.35 0.00 3.70 -0.02 -2.47
Long-Term Debt to EBITDA		 0.00 5.07 0.00 5.63 19.94 0.00 6.46 2.10 1.43
Debt to NOPAT		 0.00 10.50 0.00 7.92 31.40 0.00 9.59 3.32 2.25
Net Debt to NOPAT		 0.00 -2.26 0.00 2.51 21.03 0.00 5.50 -0.03 -3.89
Long-Term Debt to NOPAT		 0.00 10.50 0.00 7.92 31.40 0.00 9.59 3.32 2.25
Noncontrolling Interest Sharing Ratio		 0.00% 15.52% 15.52% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -595 661 -972 -726 -3,800 3,995 534 100
Operating Cash Flow to CapEx		 692.53% 0.00% 1,449.00% 553.29% 12.32% 3,431.78% 1,720.40% 485.12% 658.30%
Free Cash Flow to Firm to Interest Expense		 0.00 -26.68 19.08 -18.22 -19.55 -149.59 77.83 2.39 0.38
Operating Cash Flow to Interest Expense		 2.96 2.78 2.25 1.15 0.02 6.75 2.84 0.58 0.41
Operating Cash Flow Less CapEx to Interest Expense		 2.53 2.84 2.09 0.94 -0.17 6.55 2.67 0.46 0.35
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.00 0.04 0.09 0.08 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 2.06 0.00 0.00 3.16 3.43 3.68 3.27 2.90
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 0.00 609 0.00 1,026 1,789 5,698 1,791 1,341 1,318
Invested Capital Turnover		 0.00 0.52 0.64 0.43 0.18 0.07 0.09 0.23 0.27
Increase / (Decrease) in Invested Capital		 0.00 609 -609 1,026 763 3,909 -3,907 -450 -23
Enterprise Value (EV)		 0.00 156 741 960 1,380 -457 1,562 1,072 736
Market Capitalization		 124 124 741 824 615 954 1,080 1,075 1,034
Book Value per Share		 $0.00 $97.66 $0.00 $25.52 $27.53 $31.08 $30.97 $34.39 $36.74
Tangible Book Value per Share		 $0.00 $90.96 $0.00 $24.18 $26.23 $28.89 $25.15 $28.76 $31.41
Total Capital		 0.00 574 0.00 1,026 1,789 730 1,791 1,341 1,318
Total Debt		 0.00 154 0.00 427 1,142 0.00 841 278 172
Total Long-Term Debt		 0.00 154 0.00 427 1,142 0.00 841 278 172
Net Debt		 0.00 -33 0.00 135 765 -1,411 482 -2.56 -298
Capital Expenditures (CapEx)		 7.88 -1.38 5.37 11 7.20 5.00 8.47 27 16
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 189 0.00 427 1,142 4,968 841 278 172
Total Depreciation and Amortization (D&A)		 11 9.90 8.91 9.29 13 16 23 26 23
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.46 $0.51 $2.21 $0.00 $1.56 $4.63 $3.29 $0.00 $2.46
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 23.75M 0.00 23.51M 23.75M 30.77M 0.00 31.21M
Adjusted Diluted Earnings per Share		 $0.46 $0.50 $2.20 $0.00 $1.55 $4.60 $3.28 $0.00 $2.45
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 23.75M 0.00 23.51M 23.75M 30.77M 0.00 31.21M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 23.75M 0.00 23.51M 23.75M 30.77M 0.00 31.21M
Normalized Net Operating Profit after Tax (NOPAT)		 13 15 52 54 36 109 93 84 76
Normalized NOPAT Margin		 7.91% 9.20% 26.51% 24.47% 14.19% 38.98% 27.89% 23.41% 21.50%
Pre Tax Income Margin		 9.70% 12.84% 32.07% 30.22% 17.31% 47.56% 32.31% 29.60% 27.34%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 0.85 0.92 1.80 1.25 1.19 5.21 2.09 0.47 0.37
NOPAT to Interest Expense		 0.70 0.66 1.49 1.01 0.98 4.27 1.71 0.37 0.29
EBIT Less CapEx to Interest Expense		 0.43 0.98 1.65 1.04 1.00 5.02 1.93 0.35 0.31
NOPAT Less CapEx to Interest Expense		 0.27 0.72 1.33 0.80 0.78 4.08 1.54 0.25 0.23
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 44.86% 47.69% 11.51% 10.88% 24.35% 10.62% 18.11% 22.16% 24.51%
Augmented Payout Ratio		 44.86% 47.69% 11.51% 29.55% 26.34% 11.77% 18.11% 22.16% 24.51%

Quarterly Metrics And Ratios for Origin Bancorp

This table displays calculated financial ratios and metrics derived from Origin Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 34.74% 38.51% 36.73% 23.34% 0.00% -17.31% -3.16% 5.97% -1.58% -3.90% 3.85%
EBITDA Growth		 -33.03% 14.33% 20.57% 11.22% 46.27% -44.64% -7.33% -5.86% -19.53% 0.96% 0.67%
EBIT Growth		 -42.62% 9.40% 17.77% 6.19% 57.75% -51.67% -5.61% -3.60% -21.29% 2.57% -1.07%
NOPAT Growth		 -39.79% 4.08% 17.50% 2.11% 49.68% -54.46% -6.87% -3.54% -23.49% 6.29% -0.98%
Net Income Growth		 -39.79% 4.08% 17.50% 2.11% 49.68% -54.46% -6.87% -3.54% -23.49% 6.29% -0.98%
EPS Growth		 -50.00% -22.31% -9.20% -22.22% 38.60% -54.26% -7.59% -4.29% -24.05% 4.65% -2.74%
Operating Cash Flow Growth		 6.51% 93.33% 82.22% 20.27% -35.27% -43.20% -1.62% -74.99% 56.28% 1.46% 31.07%
Free Cash Flow Firm Growth		 -371.45% 201.44% 6,568.59% 135.32% 201.28% -88.22% -204.91% 43.36% -129.13% -91.93% 99.49%
Invested Capital Growth		 33.01% -68.57% -115.60% -9.48% -22.52% -25.14% 804.36% -15.68% 10.60% -1.73% 2.36%
Revenue Q/Q Growth		 25.13% 6.43% -4.73% -2.78% 1.45% -11.99% 11.57% 6.38% -5.77% -14.07% 20.56%
EBITDA Q/Q Growth		 -19.59% 72.78% -13.58% -7.37% 5.75% -34.61% 44.67% -5.91% -9.60% -17.96% 44.24%
EBIT Q/Q Growth		 -27.01% 90.42% -15.77% -9.29% 8.43% -41.66% 64.50% -7.36% -11.47% -23.97% 58.65%
NOPAT Q/Q Growth		 -23.78% 81.48% -17.56% -10.46% 11.73% -44.78% 68.58% -7.26% -11.38% -23.28% 57.05%
Net Income Q/Q Growth		 -23.78% 81.48% -17.56% -10.46% 11.73% -44.78% 68.58% -7.26% -11.38% -23.28% 57.05%
EPS Q/Q Growth		 -36.67% 64.91% -15.96% -11.39% 12.86% -45.57% 69.77% -8.22% -10.45% -25.00% 57.78%
Operating Cash Flow Q/Q Growth		 -1.08% 32.50% -46.80% 72.49% -46.76% 16.27% -7.86% -56.16% 232.69% -24.51% 19.04%
Free Cash Flow Firm Q/Q Growth		 28.36% 1,161.72% -65.91% -86.38% 105.43% 23.46% -403.70% 118.61% -141.75% 134.19% -119.14%
Invested Capital Q/Q Growth		 -8.20% 14.87% -109.93% 964.48% -21.43% 10.99% -6.57% 3.49% 3.05% -1.37% -2.69%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 27.08% 43.96% 39.88% 38.00% 39.61% 29.43% 38.16% 33.76% 32.38% 30.92% 36.99%
EBIT Margin		 20.67% 36.97% 32.69% 30.50% 32.60% 21.61% 31.86% 27.75% 26.07% 23.06% 30.35%
Profit (Net Income) Margin		 17.61% 30.03% 25.98% 23.93% 26.36% 16.54% 24.99% 21.78% 20.49% 18.29% 23.83%
Tax Burden Percent		 85.21% 81.21% 79.49% 78.46% 80.85% 76.52% 78.42% 78.50% 78.59% 79.30% 78.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 14.79% 18.79% 20.51% 21.54% 19.15% 23.48% 21.58% 21.50% 21.41% 20.70% 21.50%
Return on Invested Capital (ROIC)		 3.94% 2.67% 19.32% 5.54% 7.14% 3.78% 16.50% 5.54% 5.78% 4.90% 6.75%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.94% 2.67% 19.32% 5.54% 7.14% 3.78% 16.50% 5.54% 5.78% 4.90% 6.75%
Return on Net Nonoperating Assets (RNNOA)		 2.73% 9.22% -8.19% 5.37% 3.23% 2.10% -7.94% 1.96% 1.08% 1.00% 0.82%
Return on Equity (ROE)		 6.67% 11.89% 11.13% 10.91% 10.37% 5.88% 8.56% 7.50% 6.86% 5.89% 7.58%
Cash Return on Invested Capital (CROIC)		 -22.00% 106.68% 0.00% 15.63% 32.60% 34.10% -107.64% 22.75% -4.12% 7.50% 3.68%
Operating Return on Assets (OROA)		 0.75% 1.40% 1.27% 1.25% 1.27% 0.80% 1.12% 0.99% 0.95% 0.85% 1.11%
Return on Assets (ROA)		 0.63% 1.14% 1.01% 0.98% 1.03% 0.61% 0.88% 0.78% 0.75% 0.67% 0.87%
Return on Common Equity (ROCE)		 6.67% 11.89% 11.13% 10.91% 10.37% 5.88% 8.56% 7.50% 6.86% 5.89% 7.58%
Return on Equity Simple (ROE_SIMPLE)		 9.54% 0.00% 9.20% 9.20% 10.00% 0.00% 7.61% 7.42% 6.60% 0.00% 6.46%
Net Operating Profit after Tax (NOPAT)		 16 29 24 22 24 13 23 21 19 14 22
NOPAT Margin		 17.61% 30.03% 25.98% 23.93% 26.36% 16.54% 24.99% 21.78% 20.49% 18.29% 23.83%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.87% 46.70% 50.15% 52.94% 52.50% 62.26% 54.71% 54.99% 58.04% 67.35% 56.70%
Operating Expenses to Revenue		 60.97% 58.32% 60.69% 64.76% 63.59% 75.02% 64.81% 66.82% 68.86% 83.85% 65.99%
Earnings before Interest and Taxes (EBIT)		 19 36 31 28 30 18 29 27 24 18 29
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 25 43 37 35 37 24 35 33 29 24 35
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.97 1.14 0.97 0.88 0.87 1.01 0.89 0.89 0.87 0.90 0.92
Price to Tangible Book Value (P/TBV)		 1.23 1.40 1.18 1.07 1.06 1.21 1.05 1.06 1.02 1.06 1.07
Price to Revenue (P/Rev)		 2.89 3.25 2.68 2.35 2.33 3.00 2.69 2.72 2.79 2.91 3.01
Price to Earnings (P/E)		 10.19 12.31 10.51 9.59 8.75 12.82 11.64 12.03 13.24 13.52 14.19
Dividend Yield		 1.51% 1.65% 1.92% 2.10% 2.12% 1.73% 1.94% 1.90% 1.87% 1.81% 1.73%
Earnings Yield		 9.81% 8.12% 9.51% 10.43% 11.43% 7.80% 8.59% 8.31% 7.55% 7.40% 7.05%
Enterprise Value to Invested Capital (EV/IC)		 0.79 0.87 0.00 0.62 0.64 0.80 0.67 0.69 0.65 0.56 0.54
Enterprise Value to Revenue (EV/Rev)		 4.04 4.70 0.00 2.54 2.07 3.00 2.36 2.47 2.43 2.07 1.94
Enterprise Value to EBITDA (EV/EBITDA)		 9.89 12.00 0.00 6.81 5.13 8.11 6.47 6.99 7.23 6.10 5.78
Enterprise Value to EBIT (EV/EBIT)		 11.83 14.54 0.00 8.39 6.24 10.12 8.05 8.64 8.99 7.57 7.20
Enterprise Value to NOPAT (EV/NOPAT)		 14.26 17.81 0.00 10.39 7.79 12.79 10.21 10.96 11.51 9.62 9.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.23 10.72 0.00 5.74 5.11 8.25 6.48 9.50 8.06 6.78 5.97
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.39 0.00 3.77 1.72 2.01 0.00 2.76 0.00 7.39 14.95
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.72 0.89 0.20 0.54 0.21 0.26 0.16 0.18 0.17 0.15 0.09
Long-Term Debt to Equity		 0.72 0.89 0.20 0.54 0.21 0.26 0.16 0.18 0.17 0.15 0.09
Financial Leverage		 0.69 3.46 -0.42 0.97 0.45 0.56 -0.48 0.35 0.19 0.20 0.12
Leverage Ratio		 10.50 10.44 11.06 11.12 10.07 9.64 9.78 9.61 9.19 8.79 8.70
Compound Leverage Factor		 10.50 10.44 11.06 11.12 10.07 9.64 9.78 9.61 9.19 8.79 8.70
Debt to Total Capital		 41.83% 46.96% 16.90% 35.10% 17.30% 20.73% 13.88% 15.47% 14.24% 13.08% 7.96%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 41.83% 46.96% 16.90% 35.10% 17.30% 20.73% 13.88% 15.47% 14.24% 13.08% 7.96%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 58.17% 53.04% 83.10% 64.90% 82.70% 79.28% 86.12% 84.53% 85.76% 86.92% 92.04%
Debt to EBITDA		 5.23 6.46 1.48 3.85 1.38 2.10 1.34 1.57 1.58 1.43 0.84
Net Debt to EBITDA		 2.82 3.70 -10.61 0.53 -0.64 -0.02 -0.91 -0.69 -1.09 -2.47 -3.18
Long-Term Debt to EBITDA		 5.23 6.46 1.48 3.85 1.38 2.10 1.34 1.57 1.58 1.43 0.84
Debt to NOPAT		 7.53 9.59 2.21 5.88 2.09 3.32 2.12 2.46 2.52 2.25 1.34
Net Debt to NOPAT		 4.06 5.50 -15.86 0.80 -0.96 -0.03 -1.43 -1.08 -1.73 -3.89 -5.04
Long-Term Debt to NOPAT		 7.53 9.59 2.21 5.88 2.09 3.32 2.12 2.46 2.52 2.25 1.34
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -371 3,936 1,342 183 375 464 -1,408 262 -109 37 -7.16
Operating Cash Flow to CapEx		 2,975.21% 1,831.73% 476.32% 1,372.11% 308.54% 316.08% 697.87% 651.48% 540.97% 866.19% 5,539.41%
Free Cash Flow to Firm to Interest Expense		 -29.16 148.28 31.21 3.21 6.12 7.42 -21.53 3.86 -1.58 0.61 -0.13
Operating Cash Flow to Interest Expense		 3.08 1.95 0.64 0.83 0.41 0.47 0.42 0.18 0.57 0.49 0.66
Operating Cash Flow Less CapEx to Interest Expense		 2.97 1.85 0.51 0.77 0.28 0.32 0.36 0.15 0.46 0.43 0.65
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.39 3.68 3.88 4.00 3.55 3.27 3.16 3.17 3.01 2.90 2.94
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,559 1,791 -178 1,537 1,208 1,341 1,253 1,296 1,336 1,318 1,282
Invested Capital Turnover		 0.22 0.09 0.74 0.23 0.27 0.23 0.66 0.25 0.28 0.27 0.28
Increase / (Decrease) in Invested Capital		 387 -3,907 -1,318 -161 -351 -450 1,431 -241 128 -23 30
Enterprise Value (EV)		 1,234 1,562 -488 954 778 1,072 839 891 871 736 698
Market Capitalization		 882 1,080 960 880 874 1,075 956 979 1,001 1,034 1,082
Book Value per Share		 $38.10 $30.97 $32.26 $32.42 $32.36 $34.39 $34.78 $35.33 $36.79 $36.74 $37.81
Tangible Book Value per Share		 $30.15 $25.15 $26.54 $26.78 $26.82 $28.76 $29.24 $29.86 $31.40 $31.41 $32.46
Total Capital		 1,559 1,791 1,194 1,537 1,208 1,341 1,253 1,296 1,336 1,318 1,282
Total Debt		 652 841 202 540 209 278 174 201 190 172 102
Total Long-Term Debt		 652 841 202 540 209 278 174 201 190 172 102
Net Debt		 352 482 -1,448 74 -96 -2.56 -118 -88 -131 -298 -384
Capital Expenditures (CapEx)		 1.32 2.83 5.79 3.47 8.21 9.32 3.89 1.83 7.32 3.45 0.64
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 652 841 -1,170 540 209 278 174 201 190 172 102
Total Depreciation and Amortization (D&A)		 5.92 6.86 6.73 6.82 6.47 6.35 5.71 5.79 5.73 6.13 6.25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.57 $0.95 $0.79 $0.71 $0.79 $0.43 $0.73 $0.68 $0.60 $0.45 $0.72
Adjusted Weighted Average Basic Shares Outstanding		 30.67M 30.77M 30.78M 30.87M 30.91M 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M
Adjusted Diluted Earnings per Share		 $0.57 $0.94 $0.79 $0.70 $0.79 $0.43 $0.73 $0.67 $0.60 $0.45 $0.71
Adjusted Weighted Average Diluted Shares Outstanding		 30.67M 30.77M 30.78M 30.87M 30.91M 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.67M 30.77M 30.78M 30.87M 30.91M 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M
Normalized Net Operating Profit after Tax (NOPAT)		 19 30 24 22 24 13 23 21 19 14 22
Normalized NOPAT Margin		 20.95% 31.00% 25.98% 23.93% 26.36% 16.54% 24.99% 21.78% 20.49% 18.29% 23.83%
Pre Tax Income Margin		 20.67% 36.97% 32.69% 30.50% 32.60% 21.61% 31.86% 27.75% 26.07% 23.06% 30.35%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.50 1.37 0.71 0.49 0.49 0.28 0.44 0.39 0.34 0.29 0.53
NOPAT to Interest Expense		 1.28 1.11 0.57 0.38 0.40 0.21 0.35 0.31 0.27 0.23 0.41
EBIT Less CapEx to Interest Expense		 1.40 1.26 0.58 0.43 0.36 0.13 0.38 0.37 0.24 0.24 0.52
NOPAT Less CapEx to Interest Expense		 1.17 1.00 0.43 0.32 0.26 0.07 0.29 0.28 0.16 0.18 0.40
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 16.56% 18.11% 19.08% 20.14% 18.56% 22.16% 22.66% 22.94% 24.75% 24.51% 24.68%
Augmented Payout Ratio		 16.56% 18.11% 19.08% 20.14% 18.56% 22.16% 22.66% 22.94% 24.75% 24.51% 24.68%

Key Financial Trends

Origin Bancorp (NASDAQ:OBK) has shown a steady financial performance over the last several years, with some notable trends emerging from its quarterly reports dating back to mid-2022 through Q1 2025.

Positive Highlights:

  • Consistent Net Income Growth: Net income has generally shown upward momentum, reaching $22.4 million in Q1 2025 from $16.2 million in Q3 2022 and $29.5 million in Q4 2022, illustrating growing profitability.
  • Strong Net Interest Income: The net interest income remained robust, with $78.5 million reported in Q1 2025, slightly higher than previous quarters, reflecting effective interest margin management.
  • Stable Earnings per Share: Basic earnings per share (EPS) increased from $0.57 in Q3 2022 to $0.72 in Q1 2025, indicating shareholder value growth.
  • Reasonable Dividend Payout: The company maintained a steady quarterly dividend of $0.15 per share, signaling a commitment to returning cash to shareholders.
  • Operating Cash Flow Strength: Operating cash flows have been generally positive, with $35.6 million generated in Q1 2025, supporting operational activities without relying heavily on financing.
  • Growth in Deposits: Deposits increased significantly by $115.3 million in Q1 2025, supporting liquidity and lending capacity.
  • Controlled Non-Interest Expenses: While expenses are substantial, operating expenses such as salaries and occupancy remain in line with revenue growth, enabling sustainable operations.
  • Equity Base Expansion: Total common equity rose to approximately $1.18 billion by Q1 2025, up from $907 million in Q3 2022, showing strengthening capital adequacy.
  • Loan Portfolio Size: Loans and leases net of allowance remain large and steady, around $7.5 billion in Q1 2025, indicating strong core business scale.

Neutral Observations:

  • Provision for Credit Losses Variability: Credit loss provisions fluctuate by quarter but remained positive in Q1 2025 at around $3.4 million, reflecting ongoing credit risk management.
  • Investment Securities Interest Income: This income segment fluctuated but provides a meaningful contribution, about $15.5 million in Q1 2025.
  • Amortization and Depreciation Expenses: These non-cash expenses are steady and reflective of the company's asset base and acquisitions.
  • Sales and Purchases of Investment Securities: Significant volumes in investing activities show active portfolio management, which can impact interest income volatility.

Negative Factors:

  • Reduction in Total Revenue in Recent Quarter: Total revenue in Q1 2025 is $94.1 million, which is down slightly from $139.8 million in Q4 2024, mostly due to reduced interest income.
  • Net Realized & Unrealized Losses: Periodic capital losses, such as a $1.7 million loss in Q1 2025, affect total non-interest income.
  • Fluctuations in Interest Expense: Interest expense rose significantly from $26.5 million in Q4 2022 to over $54 million by Q1 2025, which may pressure margins if not managed.
  • Investing Cash Flow Negative: Consistent net cash outflows in investing activities, including large purchases of securities (over $2 billion in several recent quarters), could constrain liquidity if not balanced by financing.
  • Debt Levels and Obligations: Long-term debt remains sizable at around $102 million in Q1 2025, requiring ongoing interest payments and principal management.
  • Accumulated Other Comprehensive Losses: A persistent negative accumulation in AOCI (around -$90 million in Q1 2025) may affect equity valuation and reserves.

In summary, Origin Bancorp exhibits solid foundational business metrics with growth in net income, deposits, and equity, alongside controlled operating costs. However, investors should monitor the pressures from rising interest expenses, realized investment losses, and investing cash outflows. The company's management of credit risk provisions and its balance of deposits and debt will be important for sustaining performance going forward.

08/29/25 01:08 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Origin Bancorp's Financials

When does Origin Bancorp's financial year end?

According to the most recent income statement we have on file, Origin Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Origin Bancorp's net income changed over the last 8 years?

Origin Bancorp's net income appears to be on an upward trend, with a most recent value of $76.49 million in 2024, rising from $12.85 million in 2016. The previous period was $83.80 million in 2023.

How has Origin Bancorp's revenue changed over the last 8 years?

Over the last 8 years, Origin Bancorp's total revenue changed from $162.55 million in 2016 to $355.75 million in 2024, a change of 118.9%.

How much debt does Origin Bancorp have?

Origin Bancorp's total liabilities were at $8.53 billion at the end of 2024, a 1.5% decrease from 2023, and a 130.7% increase since 2017.

How much cash does Origin Bancorp have?

In the past 6 years, Origin Bancorp's cash and equivalents has ranged from $60.54 million in 2020 to $838.95 million in 2021, and is currently $132.99 million as of their latest financial filing in 2024.

How has Origin Bancorp's book value per share changed over the last 8 years?

Over the last 8 years, Origin Bancorp's book value per share changed from 0.00 in 2016 to 36.74 in 2024, a change of 3,674.3%.


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This page (NASDAQ:OBNK) was last updated on 8/29/2025 by MarketBeat.com Staff
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