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.
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 (NYSE: OBK) has demonstrated steady financial growth and solid profitability in recent years, as evidenced by its quarterly financial statements from Q2 2022 through Q1 2025. Here are the key trends and insights for retail investors to consider:
- Increasing Net Income: Net income has shown an upward trend, rising from $21.3 million in Q2 2022 to $22.4 million in Q1 2025, indicating improved profitability and operational efficiency.
- Strong Earnings per Share (EPS) Growth: Basic EPS increased from $0.71 in Q2 2022 to $0.72 in Q1 2025. Diluted EPS also remained stable and showed slight improvement, demonstrating effective shareholder value creation.
- Consistent Dividend Payments: Origin Bancorp maintains a steady quarterly dividend of $0.15 per share, reflecting reliable cash flows and a commitment to returning capital to shareholders.
- Growing Loan Portfolio: Net loans and leases increased from approximately $7.5 billion in mid-2022 to $7.49 billion by Q1 2025, showing the bank's growth in core lending operations.
- Increasing Total Assets: Total assets have grown from around $8.1 billion in Q2 2022 to approximately $9.75 billion by Q1 2025, signaling expansion in the company's balance sheet and operational footprint.
- Stable Net Interest Income: Net interest income has remained relatively consistent, hovering around $73 million to $78 million quarterly, indicating a stable margin from core banking activities.
- Volatility in Non-Interest Income: Non-interest income has fluctuated notably, from positive $22.4 million in mid-2024 to a slightly negative total non-interest income in Q4 2024 (-$0.33 million), partly due to unrealized capital losses, which may affect total revenue variability.
- Fluctuating Provision for Credit Losses: The provision for credit losses varied across quarters, reflecting the bank's changing outlook on loan credit quality. Positive provisions in recent quarters suggest cautious management of credit risk.
- Rising Interest Expense: Interest expense has shown an increasing trend, reaching over $54 million in Q1 2025 from $26.5 million in Q4 2022, driven by higher deposit and long-term debt interest costs. This rise could pressure net interest margins.
- Increasing Non-Interest Expenses: Non-interest expenses have generally risen, reaching $62 million in Q1 2025 from roughly $57 million in Q4 2022. Cost increases in salaries, occupancy, and other operating expenses may impact profitability if not managed carefully.
Summary: Origin Bancorp has shown solid earnings growth, stable loan portfolio expansion, and consistent dividends, which are positive indicators for investors. However, rising interest expenses and increasing operational costs warrant attention as they could constrain future profit margins. Investors should watch for the bank's ability to manage expenses effectively and sustain its credit quality amid a fluctuating operating environment.
08/23/25 03:18 AMAI Generated. May Contain Errors.