Origin Bancorp (OBK) Financials

$51.75 -0.01 (-0.02%)

Closing price 07/21/2026 03:59 PM Eastern

Extended Trading

$51.80 +0.05 (+0.09%)

As of 04:02 AM Eastern

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	2025
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	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	8.14	9.83	49	54	36	109	88	84	76	75
Consolidated Net Income / (Loss)	13	15	52	54	36	109	88	84	76	75
Net Income / (Loss) Continuing Operations	13	15	52	54	36	109	88	84	76	75
Total Pre-Tax Income	16	20	62	67	44	132	107	106	97	96
Total Revenue	163	159	195	220	256	278	333	358	356	391
Net Interest Income / (Expense)	121	130	153	174	192	216	275	300	300	331
Total Interest Income	139	153	188	227	229	242	327	523	565	538
Loans and Leases Interest Income	128	139	169	207	209	219	286	467	517	478
Investment Securities Interest Income	11	14	19	20	20	23	40	57	47	60
Total Interest Expense	18	22	35	53	37	25	51	224	264	207
Deposits Interest Expense	15	19	30	45	27	13	34	196	255	199
Long-Term Debt Interest Expense	3.22	2.97	4.97	8.65	10	12	18	27	9.35	7.50
Total Non-Interest Income	42	29	41	46	65	62	57	58	55	60
Other Service Charges	9.58	6.24	6.52	8.45	9.86	14	8.35	12	12	18
Net Realized & Unrealized Capital Gains on Investments	0.14	-13	2.62	-0.32	-0.56	7.28	1.66	-1.13	-9.09	-8.67
Other Non-Interest Income	32	36	32	38	55	41	47	47	52	50
Provision for Credit Losses	30	8.34	1.01	9.57	60	-11	25	17	7.45	46
Total Non-Interest Expense	117	131	131	144	152	157	200	235	251	249
Salaries and Employee Benefits	64	71	80	89	91	93	119	139	149	151
Net Occupancy & Equipment Expense	28	27	28	30	31	33	39	49	53	56
Marketing Expense	2.85	2.92	4.28	3.81	3.71	3.44	4.43	5.99	6.15	5.56
Property & Liability Insurance Claims	3.23	2.87	2.46	1.69	3.83	2.90	3.55	6.46	6.90	5.53
Other Operating Expenses	19	27	16	18	21	24	23	25	28	24
Amortization Expense	-	-	0.96	1.32	1.06	0.84	5.49	9.63	7.98	6.61
Income Tax Expense	2.92	5.81	11	13	8.00	24	20	22	21	20
Basic Earnings per Share	$0.46	$0.51	$2.21	$2.30	$1.56	$4.63	$3.29	$2.72	$2.46	$2.42
Weighted Average Basic Shares Outstanding	-	-	23.75M	-	23.51M	23.75M	30.77M	30.99M	31.21M	30.98M
Diluted Earnings per Share	$0.46	$0.50	$2.20	$2.28	$1.55	$4.60	$3.28	$2.71	$2.45	$2.40
Weighted Average Diluted Shares Outstanding	-	-	23.75M	-	23.51M	23.75M	30.77M	30.99M	31.21M	30.98M
Weighted Average Basic & Diluted Shares Outstanding	-	-	23.75M	-	23.51M	23.75M	30.77M	30.99M	31.21M	30.98M
Cash Dividends to Common per Share	$0.13	$0.13	$0.13	$0.25	$0.38	$0.49	$0.58	$0.60	$0.60	$0.60

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	24	13	23	21	19	14	22	15	8.62	30	28
Consolidated Net Income / (Loss)	24	13	23	21	19	14	22	15	8.62	30	28
Net Income / (Loss) Continuing Operations	24	13	23	21	19	14	22	15	8.62	30	28
Total Pre-Tax Income	30	18	29	27	24	18	29	19	11	37	35
Total Revenue	92	81	91	96	91	78	94	84	110	103	104
Net Interest Income / (Expense)	74	73	73	74	75	78	78	82	84	87	87
Total Interest Income	135	135	139	142	144	140	133	135	136	135	131
Loans and Leases Interest Income	121	124	127	130	133	127	117	121	120	119	114
Investment Securities Interest Income	14	12	12	12	11	13	15	13	16	15	17
Total Interest Expense	61	62	65	68	69	61	54	53	52	48	44
Deposits Interest Expense	56	60	63	65	67	60	52	50	51	47	44
Long-Term Debt Interest Expense	5.72	2.73	2.54	2.44	2.40	1.97	2.31	2.35	1.41	1.44	0.35
Total Non-Interest Income	18	8.20	17	22	16	-0.33	16	1.37	26	17	17
Other Service Charges	3.24	3.19	2.71	3.80	2.65	2.89	3.74	4.77	6.32	3.22	3.20
Net Realized & Unrealized Capital Gains on Investments	2.92	-4.61	-0.27	5.26	0.60	-15	-1.69	-16	7.52	1.86	-1.52
Other Non-Interest Income	12	9.62	15	13	13	11	14	13	12	12	15
Provision for Credit Losses	3.52	2.74	3.01	5.23	4.60	-5.40	3.44	2.86	37	3.16	4.97
Total Non-Interest Expense	59	61	59	64	63	65	62	62	62	63	64
Salaries and Employee Benefits	35	36	36	38	38	36	38	38	38	37	38
Net Occupancy & Equipment Expense	12	13	12	14	13	14	14	14	14	14	14
Marketing Expense	1.37	1.69	1.44	1.33	1.45	1.93	1.13	1.16	1.52	1.75	1.36
Property & Liability Insurance Claims	1.91	1.86	1.73	1.84	1.79	1.54	1.39	1.35	1.27	1.53	1.34
Other Operating Expenses	6.06	6.25	5.28	7.42	6.13	9.54	5.58	5.48	6.00	7.16	7.25
Amortization Expense	2.26	2.26	2.14	2.14	1.91	1.80	1.76	1.77	1.58	1.50	1.49
Income Tax Expense	5.76	4.12	6.23	5.75	5.07	3.73	6.14	4.01	2.36	7.93	7.58
Basic Earnings per Share	$0.79	$0.43	$0.73	$0.68	$0.60	$0.45	$0.72	$0.47	$0.28	$0.95	$0.89
Weighted Average Basic Shares Outstanding	30.91M	30.99M	31.01M	31.14M	31.17M	31.21M	31.16M	31.22M	30.97M	30.98M	30.90M
Diluted Earnings per Share	$0.79	$0.43	$0.73	$0.67	$0.60	$0.45	$0.71	$0.47	$0.27	$0.95	$0.89
Weighted Average Diluted Shares Outstanding	30.91M	30.99M	31.01M	31.14M	31.17M	31.21M	31.16M	31.22M	30.97M	30.98M	30.90M
Weighted Average Basic & Diluted Shares Outstanding	30.91M	30.99M	31.01M	31.14M	31.17M	31.21M	31.16M	31.22M	30.97M	30.98M	30.90M
Cash Dividends to Common per Share	$0.15	-	$0.15	$0.15	$0.15	-	$0.15	$0.15	$0.15	-	$0.15

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	2025
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	12/31/2025
Net Change in Cash & Equivalents	-16	-73	-71	175	86	328	-347	-79	190	-46
Net Cash From Operating Activities	55	62	78	62	0.89	171	146	130	108	159
Net Cash From Continuing Operating Activities	55	62	78	62	0.89	171	146	130	108	159
Net Income / (Loss) Continuing Operations	13	15	52	54	36	109	88	84	76	75
Consolidated Net Income / (Loss)	13	15	52	54	36	109	88	84	76	75
Provision For Loan Losses	30	8.34	-	9.57	60	-11	25	17	7.45	46
Depreciation Expense	7.85	5.85	5.87	6.71	6.88	6.83	12	18	17	17
Amortization Expense	3.60	4.05	3.04	2.58	6.02	9.58	10	6.71	6.55	2.39
Non-Cash Adjustments to Reconcile Net Income	-0.57	23	3.58	-19	-105	51	14	3.97	-3.25	20
Changes in Operating Assets and Liabilities, net	0.77	6.49	14	8.04	-3.14	6.31	-3.20	1.06	4.43	-1.73
Net Cash From Investing Activities	-155	-198	-765	-291	-2,116	13	-456	-130	232	-114
Net Cash From Continuing Investing Activities	-155	-198	-765	-291	-2,116	13	-440	-154	232	-114
Purchase of Property, Leasehold Improvements and Equipment	-7.93	-3.03	-5.48	-11	-7.20	-5.02	-8.47	-27	-22	-7.87
Purchase of Investment Securities	-4,317	-4,971	-5,598	-4,704	-15,165	-16,847	-9,699	-6,485	-9,870	-11,101
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	0.13
Sale and/or Maturity of Investments	4,170	4,772	4,845	4,424	13,056	16,865	9,197	6,357	10,118	10,995
Net Cash From Financing Activities	84	63	617	404	2,201	144	-36	-78	-151	-91
Net Cash From Continuing Financing Activities	84	63	617	404	2,201	144	-36	-78	-151	-91
Net Change in Deposits	55	69	271	445	1,523	819	-361	475	-28	84
Issuance of Debt	2.98	0.00	918	2,915	2,254	5,726	10,055	6,065	1,685	1,557
Repayment of Debt	-7.74	-1.29	-618	-2,917	-1,878	-6,390	-9,725	-6,583	-1,790	-1,705
Repurchase of Common Equity	-	-	0.00	-10	-0.72	-1.26	-	0.00	0.00	-16
Payment of Dividends	-5.76	-7.00	-5.94	-5.86	-8.85	-12	-16	-19	-19	-19
Other Financing Activities, Net	-4.94	2.51	4.67	-23	311	1.19	11	-18	1.01	7.83
Cash Interest Paid	19	23	34	53	36	26	50	215	268	212
Cash Income Taxes Paid	7.09	5.27	0.68	10	25	21	-6.26	0.38	24	34

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-161	-25	11	-3.46	33	149	16	-152	293	-203	242
Net Cash From Operating Activities	25	29	27	12	40	30	36	21	59	43	53
Net Cash From Continuing Operating Activities	25	29	27	12	40	30	36	21	59	43	53
Net Income / (Loss) Continuing Operations	24	13	23	21	19	14	22	15	8.62	30	28
Consolidated Net Income / (Loss)	24	13	23	21	19	14	22	15	8.62	30	28
Provision For Loan Losses	3.52	2.74	3.01	5.23	4.60	-5.40	3.44	2.86	37	3.16	4.97
Depreciation Expense	4.24	4.30	4.08	4.15	4.04	4.53	5.25	4.02	3.83	3.71	3.78
Amortization Expense	2.23	2.05	1.63	1.64	1.69	1.59	0.99	0.96	0.41	0.03	0.25
Non-Cash Adjustments to Reconcile Net Income	-5.79	14	-11	-11	9.41	9.22	5.95	17	3.28	-4.79	2.29
Changes in Operating Assets and Liabilities, net	-3.18	-7.44	6.39	-9.36	1.23	5.66	-2.49	-19	6.35	12	14
Net Cash From Investing Activities	265	2.74	-162	-43	32	405	-58	-64	154	-146	-244
Net Cash From Continuing Investing Activities	259	-6.21	-162	-43	32	405	-58	-64	154	-146	-244
Purchase of Property, Leasehold Improvements and Equipment	-8.26	-9.32	-3.91	-5.36	-7.33	-5.45	-0.75	-1.03	-2.53	-3.56	-4.97
Purchase of Investment Securities	-1,940	-983	-1,854	-2,415	-3,000	-2,547	-2,009	-3,174	-2,598	-3,321	-4,024
Sale of Property, Leasehold Improvements and Equipment	0.05	-	0.02	3.54	0.02	2.00	0.11	-	-	0.01	0.00
Sale and/or Maturity of Investments	2,207	986	1,696	2,374	3,039	2,955	1,951	3,111	2,754	3,179	3,784
Net Cash From Financing Activities	-451	-57	146	27	-38	-285	38	-109	80	-100	433
Net Cash From Continuing Financing Activities	-451	-57	146	27	-38	-285	38	-109	80	-100	433
Net Change in Deposits	-116	-123	254	5.38	-24	-263	115	-215	209	-25	449
Issuance of Debt	150	175	670	755	260	-	117	1,315	50	75	82
Repayment of Debt	-480	-108	-774	-726	-270	-20	-189	-1,200	-165	-151	-82
Repurchase of Common Equity	-	-	-	-	-	-	0.00	-	-9.51	-1.91	-6.83
Payment of Dividends	-4.66	-4.66	-4.67	-4.68	-4.72	-4.68	-4.75	-4.73	-4.70	-4.70	-4.70
Other Financing Activities, Net	-0.36	3.69	-0.30	-2.27	0.84	2.74	0.55	0.51	0.09	6.69	-4.08
Cash Interest Paid	58	64	62	67	70	69	55	54	53	49	44
Cash Income Taxes Paid	0.01	-0.10	-2.07	20	5.86	0.00	1.35	24	8.68	0.64	-0.36

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	2025
Period end date	12/31/2017	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	4,154	5,325	7,628	7,861	9,686	9,723	9,679	9,725
Cash and Due from Banks	78	62	61	839	150	127	133	73
Interest Bearing Deposits at Other Banks	109	229	317	572	209	153	337	351
Trading Account Securities	460	552	1,117	-	1,727	1,327	1,211	1,233
Loans and Leases, Net of Allowance	0.00	4,134	0.00	0.00	7,003	7,564	7,483	7,574
Loans Held for Sale	3,269	65	192	-	50	17	10	1.03
Premises and Equipment, Net	77	80	82	81	100	119	127	124
Goodwill	-	-	-	34	129	129	129	129
Intangible Assets	24	32	30	17	50	45	37	33
Other Assets	136	170	192	180	269	241	212	207
Total Liabilities & Shareholders' Equity	4,154	5,325	7,628	7,861	9,686	9,723	9,679	9,725
Total Liabilities	3,699	4,725	6,981	2,164	8,736	8,660	8,533	8,478
Non-Interest Bearing Deposits	833	1,078	1,608	2,164	2,482	1,920	1,901	1,980
Interest Bearing Deposits	2,679	3,151	4,144	-	5,293	6,331	6,322	6,327
Long-Term Debt	154	427	1,142	-	841	278	172	36
Other Long-Term Liabilities	33	70	88	-	119	131	138	135
Total Equity & Noncontrolling Interests	420	599	647	730	950	1,063	1,145	1,247
Total Preferred & Common Equity	420	599	647	730	950	1,063	1,145	1,247
Total Common Equity	355	599	647	730	950	1,063	1,145	1,247
Common Stock	244	353	355	361	674	684	693	688
Retained Earnings	145	240	267	364	435	500	558	613
Accumulated Other Comprehensive Income / (Loss)	1.31	6.33	26	5.73	-160	-121	-106	-54

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	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	9,463	10,359	10,165	9,733	9,892	9,947	9,966	9,750	9,678	9,791	10,188
Cash and Due from Banks	119	942	128	142	98	138	159	113	114	94	91
Interest Bearing Deposits at Other Banks	182	708	338	164	193	150	162	373	220	533	576
Trading Account Securities	1,744	1,603	1,611	1,372	1,263	1,242	1,246	1,251	1,219	1,218	1,265
Loans and Leases, Net of Allowance	0.00	7,284	7,528	7,473	7,802	7,858	7,861	7,494	7,592	7,441	7,765
Loans Held for Sale	60	29	15	15	15	18	7.63	10	8.88	0.31	2.94
Premises and Equipment, Net	99	104	106	112	121	122	127	124	123	123	127
Goodwill	137	129	129	129	129	129	129	129	129	129	129
Intangible Assets	52	47	45	42	43	41	39	38	36	35	32
Other Assets	271	254	265	285	228	249	236	219	236	219	201
Total Liabilities & Shareholders' Equity	9,463	10,359	10,165	9,733	9,892	9,947	9,966	9,750	9,678	9,791	10,188
Total Liabilities	8,556	10,738	9,167	8,734	8,814	8,851	8,820	8,570	8,472	8,577	8,928
Non-Interest Bearing Deposits	2,667	10,422	2,124	2,009	1,887	1,867	1,894	1,889	1,842	2,000	2,063
Interest Bearing Deposits	5,110	-	6,366	6,366	6,618	6,644	6,593	6,450	6,281	6,332	6,693
Long-Term Debt	652	202	540	209	174	201	190	102	218	103	29
Other Long-Term Liabilities	126	114	138	151	134	140	143	130	132	142	142
Total Equity & Noncontrolling Interests	907	993	998	999	1,079	1,096	1,146	1,180	1,206	1,215	1,260
Total Preferred & Common Equity	907	993	998	999	1,079	1,096	1,146	1,180	1,206	1,215	1,260
Total Common Equity	907	993	998	999	1,079	1,096	1,146	1,180	1,206	1,215	1,260
Common Stock	672	676	679	680	685	688	691	695	694	688	687
Retained Earnings	411	455	472	492	518	535	548	576	585	588	634
Accumulated Other Comprehensive Income / (Loss)	-175	-138	-153	-173	-125	-127	-94	-90	-74	-61	-61

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	2025
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	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	30,972,121.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	30,972,121.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	2.43
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
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	$2.42
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	23.75M	0.00	23.51M	23.75M	30.77M	0.00	31.21M	30.98M
Adjusted Diluted Earnings per Share	$0.46	$0.50	$2.20	$0.00	$1.55	$4.60	$3.28	$0.00	$2.45	$2.40
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	23.75M	0.00	23.51M	23.75M	30.77M	0.00	31.21M	30.98M
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
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	30.98M
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
Payout Ratios	-	-	-	-	-	-	-	-	-	-

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	30,972,121.00	30,983,713.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	30,972,121.00	30,983,713.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.95	0.89
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	-17.31%	-3.16%	5.97%	-1.58%	-3.90%	3.85%	-13.34%	20.97%	-	10.61%
EBITDA Growth	46.27%	-44.64%	-7.33%	-5.86%	-19.53%	0.96%	0.67%	-27.30%	-48.24%	-	12.99%
EBIT Growth	57.75%	-51.67%	-5.61%	-3.60%	-21.29%	2.57%	-1.07%	-30.21%	-53.59%	-	23.57%
NOPAT Growth	49.68%	-54.46%	-6.87%	-3.54%	-23.49%	6.29%	-0.98%	-30.22%	-53.64%	-	23.57%
Net Income Growth	49.68%	-54.46%	-6.87%	-3.54%	-23.49%	6.29%	-0.98%	-30.22%	-53.64%	-	23.57%
EPS Growth	38.60%	-54.26%	-7.59%	-4.29%	-24.05%	4.65%	-2.74%	-29.85%	-55.00%	-	25.35%
Operating Cash Flow Growth	-35.27%	-43.20%	-1.62%	-74.99%	56.28%	1.46%	31.07%	73.43%	49.83%	-	48.70%
Free Cash Flow Firm Growth	201.28%	-88.22%	-204.91%	43.36%	-129.13%	-91.93%	99.49%	-142.82%	124.99%	-	386.45%
Invested Capital Growth	-22.52%	-25.14%	804.36%	-15.68%	10.60%	-1.73%	2.36%	9.79%	-1.40%	-	0.56%
Revenue Q/Q Growth	1.45%	-11.99%	11.57%	6.38%	-5.77%	-14.07%	20.56%	-11.22%	31.53%	-	0.59%
EBITDA Q/Q Growth	5.75%	-34.61%	44.67%	-5.91%	-9.60%	-17.96%	44.24%	-32.05%	-35.64%	-	-4.54%
EBIT Q/Q Growth	8.43%	-41.66%	64.50%	-7.36%	-11.47%	-23.97%	58.65%	-34.64%	-41.13%	-	-5.80%
NOPAT Q/Q Growth	11.73%	-44.78%	68.58%	-7.26%	-11.38%	-23.28%	57.05%	-34.64%	-41.13%	-	-6.18%
Net Income Q/Q Growth	11.73%	-44.78%	68.58%	-7.26%	-11.38%	-23.28%	57.05%	-34.64%	-41.13%	-	-6.18%
EPS Q/Q Growth	12.86%	-45.57%	69.77%	-8.22%	-10.45%	-25.00%	57.78%	-33.80%	-42.55%	-	-6.32%
Operating Cash Flow Q/Q Growth	-46.76%	16.27%	-7.86%	-56.16%	232.69%	-24.51%	19.04%	-41.99%	187.42%	-	21.77%
Free Cash Flow Firm Q/Q Growth	105.43%	23.46%	-403.70%	118.61%	-141.75%	134.19%	-119.14%	-1,467.64%	124.37%	-	-68.40%
Invested Capital Q/Q Growth	-21.43%	10.99%	-6.57%	3.49%	3.05%	-1.37%	-2.69%	11.00%	-7.45%	-	0.56%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	39.61%	29.43%	38.16%	33.76%	32.38%	30.92%	36.99%	28.31%	13.86%	-	37.79%
EBIT Margin	32.60%	21.61%	31.86%	27.75%	26.07%	23.06%	30.35%	22.35%	10.00%	-	33.91%
Profit (Net Income) Margin	26.36%	16.54%	24.99%	21.78%	20.49%	18.29%	23.83%	17.54%	7.85%	-	26.62%
Tax Burden Percent	80.85%	76.52%	78.42%	78.50%	78.59%	79.30%	78.50%	78.50%	78.51%	-	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%
Effective Tax Rate	19.15%	23.48%	21.58%	21.50%	21.41%	20.70%	21.50%	21.50%	21.49%	-	21.50%
Return on Invested Capital (ROIC)	7.14%	3.78%	16.50%	5.54%	5.78%	4.90%	6.75%	4.47%	2.16%	-	8.30%
ROIC Less NNEP Spread (ROIC-NNEP)	7.14%	3.78%	16.50%	5.54%	5.78%	4.90%	6.75%	4.47%	2.16%	-	8.30%
Return on Net Nonoperating Assets (RNNOA)	3.23%	2.10%	-7.94%	1.96%	1.08%	1.00%	0.82%	0.81%	0.27%	-	0.45%
Return on Equity (ROE)	10.37%	5.88%	8.56%	7.50%	6.86%	5.89%	7.58%	5.28%	2.43%	-	8.74%
Cash Return on Invested Capital (CROIC)	32.60%	34.10%	-107.64%	22.75%	-4.12%	7.50%	3.68%	-4.19%	5.93%	-	5.70%
Operating Return on Assets (OROA)	1.27%	0.80%	1.12%	0.99%	0.95%	0.85%	1.11%	0.79%	0.37%	-	1.36%
Return on Assets (ROA)	1.03%	0.61%	0.88%	0.78%	0.75%	0.67%	0.87%	0.62%	0.29%	-	1.07%
Return on Common Equity (ROCE)	10.37%	5.88%	8.56%	7.50%	6.86%	5.89%	7.58%	5.28%	2.43%	-	8.74%
Return on Equity Simple (ROE_SIMPLE)	10.00%	0.00%	7.61%	7.42%	6.60%	0.00%	6.46%	5.80%	4.94%	-	6.39%
Net Operating Profit after Tax (NOPAT)	24	13	23	21	19	14	22	15	8.62	-	28
NOPAT Margin	26.36%	16.54%	24.99%	21.78%	20.49%	18.29%	23.83%	17.54%	7.85%	-	26.62%
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%
SG&A Expenses to Revenue	52.50%	62.26%	54.71%	54.99%	58.04%	67.35%	56.70%	63.94%	48.42%	-	51.64%
Operating Expenses to Revenue	63.59%	75.02%	64.81%	66.82%	68.86%	83.85%	65.99%	74.23%	56.48%	-	61.32%
Earnings before Interest and Taxes (EBIT)	30	18	29	27	24	18	29	19	11	-	35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	37	24	35	33	29	24	35	24	15	-	39
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.87	1.01	0.89	0.89	0.87	0.90	0.92	0.92	0.89	-	1.02
Price to Tangible Book Value (P/TBV)	1.06	1.21	1.05	1.06	1.02	1.06	1.07	1.07	1.03	-	1.17
Price to Revenue (P/Rev)	2.33	3.00	2.69	2.72	2.79	2.91	3.01	3.22	2.95	-	3.21
Price to Earnings (P/E)	8.75	12.82	11.64	12.03	13.24	13.52	14.19	15.93	17.98	-	15.96
Dividend Yield	2.12%	1.73%	1.94%	1.90%	1.87%	1.81%	1.73%	1.68%	1.74%	-	1.45%
Earnings Yield	11.43%	7.80%	8.59%	8.31%	7.55%	7.40%	7.05%	6.28%	5.56%	-	6.27%
Enterprise Value to Invested Capital (EV/IC)	0.64	0.80	0.67	0.69	0.65	0.56	0.54	0.70	0.42	-	0.50
Enterprise Value to Revenue (EV/Rev)	2.07	3.00	2.36	2.47	2.43	2.07	1.94	2.88	1.51	-	1.62
Enterprise Value to EBITDA (EV/EBITDA)	5.13	8.11	6.47	6.99	7.23	6.10	5.78	8.90	5.66	-	5.43
Enterprise Value to EBIT (EV/EBIT)	6.24	10.12	8.05	8.64	8.99	7.57	7.20	11.22	7.26	-	6.33
Enterprise Value to NOPAT (EV/NOPAT)	7.79	12.79	10.21	10.96	11.51	9.62	9.15	14.26	9.23	-	8.05
Enterprise Value to Operating Cash Flow (EV/OCF)	5.11	8.25	6.48	9.50	8.06	6.78	5.97	7.94	3.81	-	3.67
Enterprise Value to Free Cash Flow (EV/FCFF)	1.72	2.01	0.00	2.76	0.00	7.39	14.95	0.00	7.04	-	8.84
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.21	0.26	0.16	0.18	0.17	0.15	0.09	0.18	0.08	-	0.02
Long-Term Debt to Equity	0.21	0.26	0.16	0.18	0.17	0.15	0.09	0.18	0.08	-	0.02
Financial Leverage	0.45	0.56	-0.48	0.35	0.19	0.20	0.12	0.18	0.12	-	0.05
Leverage Ratio	10.07	9.64	9.78	9.61	9.19	8.79	8.70	8.53	8.37	-	8.17
Compound Leverage Factor	10.07	9.64	9.78	9.61	9.19	8.79	8.70	8.53	8.37	-	8.17
Debt to Total Capital	17.30%	20.73%	13.88%	15.47%	14.24%	13.08%	7.96%	15.28%	7.78%	-	2.26%
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%
Long-Term Debt to Total Capital	17.30%	20.73%	13.88%	15.47%	14.24%	13.08%	7.96%	15.28%	7.78%	-	2.26%
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%
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%
Common Equity to Total Capital	82.70%	79.28%	86.12%	84.53%	85.76%	86.92%	92.04%	84.72%	92.22%	-	97.74%
Debt to EBITDA	1.38	2.10	1.34	1.57	1.58	1.43	0.84	1.94	1.05	-	0.24
Net Debt to EBITDA	-0.64	-0.02	-0.91	-0.69	-1.09	-2.47	-3.18	-1.04	-5.36	-	-5.34
Long-Term Debt to EBITDA	1.38	2.10	1.34	1.57	1.58	1.43	0.84	1.94	1.05	-	0.24
Debt to NOPAT	2.09	3.32	2.12	2.46	2.52	2.25	1.34	3.11	1.71	-	0.36
Net Debt to NOPAT	-0.96	-0.03	-1.43	-1.08	-1.73	-3.89	-5.04	-1.67	-8.75	-	-7.92
Long-Term Debt to NOPAT	2.09	3.32	2.12	2.46	2.52	2.25	1.34	3.11	1.71	-	0.36
Noncontrolling Interest Sharing Ratio	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)	375	464	-1,408	262	-109	37	-7.16	-112	27	-	21
Operating Cash Flow to CapEx	308.54%	316.08%	697.87%	651.48%	540.97%	866.19%	5,539.41%	2,012.78%	2,345.65%	-	1,064.86%
Free Cash Flow to Firm to Interest Expense	6.12	7.42	-21.53	3.86	-1.58	0.61	-0.13	-2.14	0.52	-	0.47
Operating Cash Flow to Interest Expense	0.41	0.47	0.42	0.18	0.57	0.49	0.66	0.39	1.13	-	1.20
Operating Cash Flow Less CapEx to Interest Expense	0.28	0.32	0.36	0.15	0.46	0.43	0.65	0.37	1.08	-	1.09
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	-	0.04
Fixed Asset Turnover	3.55	3.27	3.16	3.17	3.01	2.90	2.94	2.84	2.93	-	3.20
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,208	1,341	1,253	1,296	1,336	1,318	1,282	1,423	1,317	-	1,289
Invested Capital Turnover	0.27	0.23	0.66	0.25	0.28	0.27	0.28	0.25	0.28	-	0.31
Increase / (Decrease) in Invested Capital	-351	-450	1,431	-241	128	-23	30	127	-19	-	7.19
Enterprise Value (EV)	778	1,072	839	891	871	736	698	997	553	-	648
Market Capitalization	874	1,075	956	979	1,001	1,034	1,082	1,114	1,078	-	1,285
Book Value per Share	$32.36	$34.39	$34.78	$35.33	$36.79	$36.74	$37.81	$38.70	$38.90	-	$40.68
Tangible Book Value per Share	$26.82	$28.76	$29.24	$29.86	$31.40	$31.41	$32.46	$33.40	$33.67	-	$35.49
Total Capital	1,208	1,341	1,253	1,296	1,336	1,318	1,282	1,423	1,317	-	1,289
Total Debt	209	278	174	201	190	172	102	218	103	-	29
Total Long-Term Debt	209	278	174	201	190	172	102	218	103	-	29
Net Debt	-96	-2.56	-118	-88	-131	-298	-384	-117	-524	-	-637
Capital Expenditures (CapEx)	8.21	9.32	3.89	1.83	7.32	3.45	0.64	1.03	2.53	-	4.97
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00
Net Nonoperating Obligations (NNO)	209	278	174	201	190	172	102	218	103	-	29
Total Depreciation and Amortization (D&A)	6.47	6.35	5.71	5.79	5.73	6.13	6.25	4.99	4.23	-	4.04
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.79	$0.43	$0.73	$0.68	$0.60	$0.45	$0.72	$0.47	$0.28	$0.95	$0.89
Adjusted Weighted Average Basic Shares Outstanding	30.91M	30.99M	31.01M	31.14M	31.17M	31.21M	31.16M	31.22M	30.97M	30.98M	30.90M
Adjusted Diluted Earnings per Share	$0.79	$0.43	$0.73	$0.67	$0.60	$0.45	$0.71	$0.47	$0.27	$0.95	$0.89
Adjusted Weighted Average Diluted Shares Outstanding	30.91M	30.99M	31.01M	31.14M	31.17M	31.21M	31.16M	31.22M	30.97M	30.98M	30.90M
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	30.91M	30.99M	31.01M	31.14M	31.17M	31.21M	31.16M	31.22M	30.97M	30.98M	30.90M
Normalized Net Operating Profit after Tax (NOPAT)	24	13	23	21	19	14	22	15	8.62	-	28
Normalized NOPAT Margin	26.36%	16.54%	24.99%	21.78%	20.49%	18.29%	23.83%	17.54%	7.85%	-	26.62%
Pre Tax Income Margin	32.60%	21.61%	31.86%	27.75%	26.07%	23.06%	30.35%	22.35%	10.00%	-	33.91%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.49	0.28	0.44	0.39	0.34	0.29	0.53	0.36	0.21	-	0.80
NOPAT to Interest Expense	0.40	0.21	0.35	0.31	0.27	0.23	0.41	0.28	0.16	-	0.63
EBIT Less CapEx to Interest Expense	0.36	0.13	0.38	0.37	0.24	0.24	0.52	0.34	0.16	-	0.69
NOPAT Less CapEx to Interest Expense	0.26	0.07	0.29	0.28	0.16	0.18	0.40	0.26	0.12	-	0.52
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	18.56%	22.16%	22.66%	22.94%	24.75%	24.51%	24.68%	27.00%	31.45%	-	23.38%
Augmented Payout Ratio	18.56%	22.16%	22.66%	22.94%	24.75%	24.51%	24.68%	27.00%	31.45%	-	51.51%

Financials Breakdown Chart

Key Financial Trends

Origin Bancorp (NYSE: OBK) started 2026 with a solid profit quarter, but the latest results also show some pressure points that investors should watch closely. The bank generated $27.7 million of net income in Q1 2026, down from $29.5 million in Q4 2025, while earnings per share slipped to $0.89 from $0.95.

Revenue was fairly stable quarter over quarter at $104.0 million versus $103.4 million, but that stability came with a shift in mix. Net interest income improved to $87.2 million from $86.7 million, helped by lower total interest expense, while non-interest income declined modestly to $16.8 million from $16.7 million. Operating expenses were also a little higher, which kept pretax income from improving meaningfully.

One of the more notable trends is the rise in credit costs. Provision for credit losses increased to $5.0 million in Q1 2026 from $3.2 million in Q4 2025. That is not alarming by itself, but it suggests management is still seeing enough uncertainty to keep reserving conservatively.

On the balance sheet, Origin Bancorp remained well capitalized, with $1.26 billion in common equity against $10.19 billion in assets. Deposits also improved meaningfully in Q1 2026, rising by $449.0 million in the cash flow statement, which is a positive sign for funding stability. However, the bank still carries a fairly large deposit-funded balance sheet, so deposit trends will remain important.

Looking at the longer trend, OBK has recovered from the softer earnings profile seen in 2023 and early 2024. Quarterly net income has generally been stronger in the most recent four quarters than it was in much of 2024, and tangible profitability has improved alongside better net interest income. Still, the earnings trajectory is not perfectly smooth, and the company continues to deal with higher funding costs, credit provisioning, and balance sheet management.

Q1 2026 net income of $27.7 million remained healthy, showing the bank is still consistently profitable.
Net interest income rose to $87.2 million from $86.7 million in the prior quarter, signaling some margin resilience.
Total revenue held above $104 million, indicating relatively steady top-line performance.
Deposits increased by $449.0 million in Q1 2026, which supports liquidity and funding stability.
Common equity of $1.26 billion provides a solid capital base relative to assets.
Q1 2026 EPS of $0.89 was lower than Q4 2025, but still reflects solid quarterly profitability.
Non-interest income was relatively stable at $16.8 million, though it did not drive growth.
Operating cash flow stayed strong at $52.9 million in Q1 2026.
Provision for credit losses rose to $5.0 million, pointing to higher caution around loan quality.
Quarterly net income slipped from Q4 2025, showing profitability is improving only gradually rather than accelerating.

Overall, Origin Bancorp looks like a profitable regional bank with improving deposit trends and a stable revenue base, but investors should keep an eye on credit provisioning and funding costs. The stock’s outlook likely depends on whether management can keep net interest income firm while preventing expenses and loan-loss provisions from creeping higher.

07/22/26 06:55 AM ETAI Generated. May Contain Errors.

Origin Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Origin Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Origin Bancorp's net income appears to be on an upward trend, with a most recent value of $75.20 million in 2025, rising from $12.85 million in 2016. The previous period was $76.49 million in 2024. See Origin Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 9 years, Origin Bancorp's total revenue changed from $162.55 million in 2016 to $390.83 million in 2025, a change of 140.4%.

Origin Bancorp's total liabilities were at $8.48 billion at the end of 2025, a 0.6% decrease from 2024, and a 129.2% increase since 2017.

In the past 7 years, Origin Bancorp's cash and equivalents has ranged from $60.54 million in 2020 to $838.95 million in 2021, and is currently $73.12 million as of their latest financial filing in 2025.

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Financial statements for NYSE:OBK last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Origin Bancorp (OBK) Financials

Financials Breakdown Chart

Key Financial Trends

Origin Bancorp Financials - Frequently Asked Questions

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Origin Bancorp (OBK) Financials

Annual Income Statements for Origin Bancorp

Quarterly Income Statements for Origin Bancorp

Annual Cash Flow Statements for Origin Bancorp

Quarterly Cash Flow Statements for Origin Bancorp

Annual Balance Sheets for Origin Bancorp

Quarterly Balance Sheets for Origin Bancorp

Annual Metrics And Ratios for Origin Bancorp

Quarterly Metrics And Ratios for Origin Bancorp

Financials Breakdown Chart

Key Financial Trends

Origin Bancorp Financials - Frequently Asked Questions

When does Origin Bancorp's fiscal year end?

How has Origin Bancorp's net income changed over the last 9 years?

How has Origin Bancorp's revenue changed over the last 9 years?

How much debt does Origin Bancorp have?

How much cash does Origin Bancorp have?

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