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Origin Bancorp (OBK) Financials

Origin Bancorp logo
$51.68 -0.79 (-1.51%)
Closing price 10/9/2026 03:59 PM Eastern
Extended Trading
$51.59 -0.09 (-0.17%)
As of 10/9/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 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

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 13 23 21 19 14 22 15 8.62 30 28 34
Consolidated Net Income / (Loss)		 13 23 21 19 14 22 15 8.62 30 28 34
Net Income / (Loss) Continuing Operations		 13 23 21 19 14 22 15 8.62 30 28 34
Total Pre-Tax Income 		18 29 27 24 18 29 19 11 37 35 43
Total Revenue		 81 91 96 91 78 94 84 110 103 104 108
Net Interest Income / (Expense)		 73 73 74 75 78 78 82 84 87 87 92
Total Interest Income		 135 139 142 144 140 133 135 136 135 131 136
Loans and Leases Interest Income		 124 127 130 133 127 117 121 120 119 114 122
Investment Securities Interest Income		 12 12 12 11 13 15 13 16 15 17 14
Total Interest Expense		 62 65 68 69 61 54 53 52 48 44 44
Deposits Interest Expense		 60 63 65 67 60 52 50 51 47 44 42
Long-Term Debt Interest Expense		 2.73 2.54 2.44 2.40 1.97 2.31 2.35 1.41 1.44 0.35 1.52
Total Non-Interest Income		 8.20 17 22 16 -0.33 16 1.37 26 17 17 15
Other Service Charges		 3.19 2.71 3.80 2.65 2.89 3.74 4.77 6.32 3.22 3.20 2.94
Net Realized & Unrealized Capital Gains on Investments		 -4.61 -0.27 5.26 0.60 -15 -1.69 -16 7.52 1.86 -1.52 -0.61
Other Non-Interest Income		 9.62 15 13 13 11 14 13 12 12 15 13
Provision for Credit Losses		 2.74 3.01 5.23 4.60 -5.40 3.44 2.86 37 3.16 4.97 0.07
Total Non-Interest Expense		 61 59 64 63 65 62 62 62 63 64 64
Salaries and Employee Benefits		 36 36 38 38 36 38 38 38 37 38 40
Net Occupancy & Equipment Expense		 13 12 14 13 14 14 14 14 14 14 14
Marketing Expense		 1.69 1.44 1.33 1.45 1.93 1.13 1.16 1.52 1.75 1.36 1.65
Property & Liability Insurance Claims		 1.86 1.73 1.84 1.79 1.54 1.39 1.35 1.27 1.53 1.34 1.36
Other Operating Expenses		 6.25 5.28 7.42 6.13 9.54 5.58 5.48 6.00 7.16 7.25 5.43
Amortization Expense		 2.26 2.14 2.14 1.91 1.80 1.76 1.77 1.58 1.50 1.49 1.48
Income Tax Expense		 4.12 6.23 5.75 5.07 3.73 6.14 4.01 2.36 7.93 7.58 9.27
Basic Earnings per Share		 $0.43 $0.73 $0.68 $0.60 $0.45 $0.72 $0.47 $0.28 $0.95 $0.89 $1.10
Weighted Average Basic Shares Outstanding		 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M 31.22M 30.97M 30.98M 30.90M 30.85M
Diluted Earnings per Share		 $0.43 $0.73 $0.67 $0.60 $0.45 $0.71 $0.47 $0.27 $0.95 $0.89 $1.09
Weighted Average Diluted Shares Outstanding		 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M 31.22M 30.97M 30.98M 30.90M 30.85M
Weighted Average Basic & Diluted Shares Outstanding		 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M 31.22M 30.97M 30.98M 30.90M 30.85M

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 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

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -25 11 -3.46 33 149 16 -152 293 -203 242 -120
Net Cash From Operating Activities		 29 27 12 40 30 36 21 59 43 53 40
Net Cash From Continuing Operating Activities		 29 27 12 40 30 36 21 59 43 53 40
Net Income / (Loss) Continuing Operations		 13 23 21 19 14 22 15 8.62 30 28 34
Consolidated Net Income / (Loss)		 13 23 21 19 14 22 15 8.62 30 28 34
Provision For Loan Losses		 2.74 3.01 5.23 4.60 -5.40 3.44 2.86 37 3.16 4.97 0.07
Depreciation Expense		 4.30 4.08 4.15 4.04 4.53 5.25 4.02 3.83 3.71 3.78 3.79
Amortization Expense		 2.05 1.63 1.64 1.69 1.59 0.99 0.96 0.41 0.03 0.25 0.55
Non-Cash Adjustments to Reconcile Net Income		 14 -11 -11 9.41 9.22 5.95 17 3.28 -4.79 2.29 5.38
Changes in Operating Assets and Liabilities, net		 -7.44 6.39 -9.36 1.23 5.66 -2.49 -19 6.35 12 14 -3.62
Net Cash From Investing Activities		 2.74 -162 -43 32 405 -58 -64 154 -146 -244 -215
Net Cash From Continuing Investing Activities		 -6.21 -162 -43 32 405 -58 -64 154 -146 -244 -215
Purchase of Property, Leasehold Improvements and Equipment		 -9.32 -3.91 -5.36 -7.33 -5.45 -0.75 -1.03 -2.53 -3.56 -4.97 -9.17
Purchase of Investment Securities		 -983 -1,854 -2,415 -3,000 -2,547 -2,009 -3,174 -2,598 -3,321 -4,024 -3,294
Sale and/or Maturity of Investments		 986 1,696 2,374 3,039 2,955 1,951 3,111 2,754 3,179 3,784 3,088
Net Cash From Financing Activities		 -57 146 27 -38 -285 38 -109 80 -100 433 55
Net Cash From Continuing Financing Activities		 -57 146 27 -38 -285 38 -109 80 -100 433 55
Net Change in Deposits		 -123 254 5.38 -24 -263 115 -215 209 -25 449 -53
Issuance of Debt		 175 670 755 260 - 117 1,315 50 75 82 3,845
Repayment of Debt		 -108 -774 -726 -270 -20 -189 -1,200 -165 -151 -82 -3,720
Repurchase of Common Equity		 - - - - - 0.00 - -9.51 -1.91 -6.83 -10
Payment of Dividends		 -4.66 -4.67 -4.68 -4.72 -4.68 -4.75 -4.73 -4.70 -4.70 -4.70 -7.85
Other Financing Activities, Net		 3.69 -0.30 -2.27 0.84 2.74 0.55 0.51 0.09 6.69 -4.08 1.90
Cash Interest Paid		 64 62 67 70 69 55 54 53 49 44 44
Cash Income Taxes Paid		 -0.10 -2.07 20 5.86 0.00 1.35 24 8.68 0.64 -0.36 16

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 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

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 10,359 10,165 9,733 9,892 9,947 9,966 9,750 9,678 9,791 10,188 10,277
Cash and Due from Banks		 942 128 142 98 138 159 113 114 94 91 87
Interest Bearing Deposits at Other Banks		 708 338 164 193 150 162 373 220 533 576 459
Trading Account Securities		 1,603 1,611 1,372 1,263 1,242 1,246 1,251 1,219 1,218 1,265 1,259
Loans and Leases, Net of Allowance		 7,284 7,528 7,473 7,802 7,858 7,861 7,494 7,592 7,441 7,765 7,975
Loans Held for Sale		 29 15 15 15 18 7.63 10 8.88 0.31 2.94 1.15
Premises and Equipment, Net		 104 106 112 121 122 127 124 123 123 127 134
Goodwill		 129 129 129 129 129 129 129 129 129 129 129
Intangible Assets		 47 45 42 43 41 39 38 36 35 32 30
Other Assets		 254 265 285 228 249 236 219 236 219 201 202
Total Liabilities & Shareholders' Equity		 10,359 10,165 9,733 9,892 9,947 9,966 9,750 9,678 9,791 10,188 10,277
Total Liabilities		 10,738 9,167 8,734 8,814 8,851 8,820 8,570 8,472 8,577 8,928 8,996
Non-Interest Bearing Deposits		 10,422 2,124 2,009 1,887 1,867 1,894 1,889 1,842 2,000 2,063 2,260
Interest Bearing Deposits		 - 6,366 6,366 6,618 6,644 6,593 6,450 6,281 6,332 6,693 6,443
Long-Term Debt		 202 540 209 174 201 190 102 218 103 29 153
Other Long-Term Liabilities		 114 138 151 134 140 143 130 132 142 142 139
Total Equity & Noncontrolling Interests		 993 998 999 1,079 1,096 1,146 1,180 1,206 1,215 1,260 1,281
Total Preferred & Common Equity		 993 998 999 1,079 1,096 1,146 1,180 1,206 1,215 1,260 1,281
Total Common Equity		 993 998 999 1,079 1,096 1,146 1,180 1,206 1,215 1,260 1,281
Common Stock		 676 679 680 685 688 691 695 694 688 687 685
Retained Earnings		 455 472 492 518 535 548 576 585 588 634 657
Accumulated Other Comprehensive Income / (Loss)		 -138 -153 -173 -125 -127 -94 -90 -74 -61 -61 -61

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 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		 - - - - - - - - - -

Quarterly Metrics And Ratios for Origin Bancorp

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 30,972,121.00 30,983,713.00 30,904,093.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 30,972,121.00 30,983,713.00 30,904,093.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.95 0.89 1.10
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -17.31% -3.16% 5.97% -1.58% -3.90% 3.85% -13.34% 20.97% - 10.61% 28.85%
EBITDA Growth		 -44.64% -7.33% -5.86% -19.53% 0.96% 0.67% -27.30% -48.24% - 12.99% 100.71%
EBIT Growth		 -51.67% -5.61% -3.60% -21.29% 2.57% -1.07% -30.21% -53.59% - 23.57% 131.07%
NOPAT Growth		 -54.46% -6.87% -3.54% -23.49% 6.29% -0.98% -30.22% -53.64% - 23.57% 131.08%
Net Income Growth		 -54.46% -6.87% -3.54% -23.49% 6.29% -0.98% -30.22% -53.64% - 23.57% 131.08%
EPS Growth		 -54.26% -7.59% -4.29% -24.05% 4.65% -2.74% -29.85% -55.00% - 25.35% 131.91%
Operating Cash Flow Growth		 -43.20% -1.62% -74.99% 56.28% 1.46% 31.07% 73.43% 49.83% - 48.70% 93.90%
Free Cash Flow Firm Growth		 -88.22% -204.91% 43.36% -129.13% -91.93% 99.49% -142.82% 124.99% - 386.45% 120.13%
Invested Capital Growth		 -25.14% 804.36% -15.68% 10.60% -1.73% 2.36% 9.79% -1.40% - 0.56% 0.79%
Revenue Q/Q Growth		 -11.99% 11.57% 6.38% -5.77% -14.07% 20.56% -11.22% 31.53% - 0.59% 3.42%
EBITDA Q/Q Growth		 -34.61% 44.67% -5.91% -9.60% -17.96% 44.24% -32.05% -35.64% - -4.54% 20.71%
EBIT Q/Q Growth		 -41.66% 64.50% -7.36% -11.47% -23.97% 58.65% -34.64% -41.13% - -5.80% 22.22%
NOPAT Q/Q Growth		 -44.78% 68.58% -7.26% -11.38% -23.28% 57.05% -34.64% -41.13% - -6.18% 22.22%
Net Income Q/Q Growth		 -44.78% 68.58% -7.26% -11.38% -23.28% 57.05% -34.64% -41.13% - -6.18% 22.22%
EPS Q/Q Growth		 -45.57% 69.77% -8.22% -10.45% -25.00% 57.78% -33.80% -42.55% - -6.32% 22.47%
Operating Cash Flow Q/Q Growth		 16.27% -7.86% -56.16% 232.69% -24.51% 19.04% -41.99% 187.42% - 21.77% -24.35%
Free Cash Flow Firm Q/Q Growth		 23.46% -403.70% 118.61% -141.75% 134.19% -119.14% -1,467.64% 124.37% - -68.40% 10.15%
Invested Capital Q/Q Growth		 10.99% -6.57% 3.49% 3.05% -1.37% -2.69% 11.00% -7.45% - 0.56% 11.25%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.43% 38.16% 33.76% 32.38% 30.92% 36.99% 28.31% 13.86% - 37.79% 44.11%
EBIT Margin		 21.61% 31.86% 27.75% 26.07% 23.06% 30.35% 22.35% 10.00% - 33.91% 40.07%
Profit (Net Income) Margin		 16.54% 24.99% 21.78% 20.49% 18.29% 23.83% 17.54% 7.85% - 26.62% 31.46%
Tax Burden Percent		 76.52% 78.42% 78.50% 78.59% 79.30% 78.50% 78.50% 78.51% - 78.50% 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		 23.48% 21.58% 21.50% 21.41% 20.70% 21.50% 21.50% 21.49% - 21.50% 21.50%
Return on Invested Capital (ROIC)		 3.78% 16.50% 5.54% 5.78% 4.90% 6.75% 4.47% 2.16% - 8.30% 9.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.78% 16.50% 5.54% 5.78% 4.90% 6.75% 4.47% 2.16% - 8.30% 9.35%
Return on Net Nonoperating Assets (RNNOA)		 2.10% -7.94% 1.96% 1.08% 1.00% 0.82% 0.81% 0.27% - 0.45% 1.40%
Return on Equity (ROE)		 5.88% 8.56% 7.50% 6.86% 5.89% 7.58% 5.28% 2.43% - 8.74% 10.75%
Cash Return on Invested Capital (CROIC)		 34.10% -107.64% 22.75% -4.12% 7.50% 3.68% -4.19% 5.93% - 5.70% 6.19%
Operating Return on Assets (OROA)		 0.80% 1.12% 0.99% 0.95% 0.85% 1.11% 0.79% 0.37% - 1.36% 1.71%
Return on Assets (ROA)		 0.61% 0.88% 0.78% 0.75% 0.67% 0.87% 0.62% 0.29% - 1.07% 1.34%
Return on Common Equity (ROCE)		 5.88% 8.56% 7.50% 6.86% 5.89% 7.58% 5.28% 2.43% - 8.74% 10.75%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.61% 7.42% 6.60% 0.00% 6.46% 5.80% 4.94% - 6.39% 7.78%
Net Operating Profit after Tax (NOPAT)		 13 23 21 19 14 22 15 8.62 - 28 34
NOPAT Margin		 16.54% 24.99% 21.78% 20.49% 18.29% 23.83% 17.54% 7.85% - 26.62% 31.46%
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		 62.26% 54.71% 54.99% 58.04% 67.35% 56.70% 63.94% 48.42% - 51.64% 52.18%
Operating Expenses to Revenue		 75.02% 64.81% 66.82% 68.86% 83.85% 65.99% 74.23% 56.48% - 61.32% 59.87%
Earnings before Interest and Taxes (EBIT)		 18 29 27 24 18 29 19 11 - 35 43
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 24 35 33 29 24 35 24 15 - 39 47
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.01 0.89 0.89 0.87 0.90 0.92 0.92 0.89 - 1.02 1.23
Price to Tangible Book Value (P/TBV)		 1.21 1.05 1.06 1.02 1.06 1.07 1.07 1.03 - 1.17 1.41
Price to Revenue (P/Rev)		 3.00 2.69 2.72 2.79 2.91 3.01 3.22 2.95 - 3.21 3.72
Price to Earnings (P/E)		 12.82 11.64 12.03 13.24 13.52 14.19 15.93 17.98 - 15.96 15.86
Dividend Yield		 1.73% 1.94% 1.90% 1.87% 1.81% 1.73% 1.68% 1.74% - 1.45% 1.37%
Earnings Yield		 7.80% 8.59% 8.31% 7.55% 7.40% 7.05% 6.28% 5.56% - 6.27% 6.31%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.67 0.69 0.65 0.56 0.54 0.70 0.42 - 0.50 0.83
Enterprise Value to Revenue (EV/Rev)		 3.00 2.36 2.47 2.43 2.07 1.94 2.88 1.51 - 1.62 2.80
Enterprise Value to EBITDA (EV/EBITDA)		 8.11 6.47 6.99 7.23 6.10 5.78 8.90 5.66 - 5.43 8.30
Enterprise Value to EBIT (EV/EBIT)		 10.12 8.05 8.64 8.99 7.57 7.20 11.22 7.26 - 6.33 9.36
Enterprise Value to NOPAT (EV/NOPAT)		 12.79 10.21 10.96 11.51 9.62 9.15 14.26 9.23 - 8.05 11.92
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.25 6.48 9.50 8.06 6.78 5.97 7.94 3.81 - 3.67 6.07
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.01 0.00 2.76 0.00 7.39 14.95 0.00 7.04 - 8.84 13.43
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.26 0.16 0.18 0.17 0.15 0.09 0.18 0.08 - 0.02 0.12
Long-Term Debt to Equity		 0.26 0.16 0.18 0.17 0.15 0.09 0.18 0.08 - 0.02 0.12
Financial Leverage		 0.56 -0.48 0.35 0.19 0.20 0.12 0.18 0.12 - 0.05 0.15
Leverage Ratio		 9.64 9.78 9.61 9.19 8.79 8.70 8.53 8.37 - 8.17 8.02
Compound Leverage Factor		 9.64 9.78 9.61 9.19 8.79 8.70 8.53 8.37 - 8.17 8.02
Debt to Total Capital		 20.73% 13.88% 15.47% 14.24% 13.08% 7.96% 15.28% 7.78% - 2.26% 10.70%
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		 20.73% 13.88% 15.47% 14.24% 13.08% 7.96% 15.28% 7.78% - 2.26% 10.70%
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		 79.28% 86.12% 84.53% 85.76% 86.92% 92.04% 84.72% 92.22% - 97.74% 89.30%
Debt to EBITDA		 2.10 1.34 1.57 1.58 1.43 0.84 1.94 1.05 - 0.24 1.07
Net Debt to EBITDA		 -0.02 -0.91 -0.69 -1.09 -2.47 -3.18 -1.04 -5.36 - -5.34 -2.75
Long-Term Debt to EBITDA		 2.10 1.34 1.57 1.58 1.43 0.84 1.94 1.05 - 0.24 1.07
Debt to NOPAT		 3.32 2.12 2.46 2.52 2.25 1.34 3.11 1.71 - 0.36 1.54
Net Debt to NOPAT		 -0.03 -1.43 -1.08 -1.73 -3.89 -5.04 -1.67 -8.75 - -7.92 -3.94
Long-Term Debt to NOPAT		 3.32 2.12 2.46 2.52 2.25 1.34 3.11 1.71 - 0.36 1.54
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)		 464 -1,408 262 -109 37 -7.16 -112 27 - 21 23
Operating Cash Flow to CapEx		 316.08% 697.87% 651.48% 540.97% 866.19% 5,539.41% 2,012.78% 2,345.65% - 1,064.86% 436.15%
Free Cash Flow to Firm to Interest Expense		 7.42 -21.53 3.86 -1.58 0.61 -0.13 -2.14 0.52 - 0.47 0.52
Operating Cash Flow to Interest Expense		 0.47 0.42 0.18 0.57 0.49 0.66 0.39 1.13 - 1.20 0.92
Operating Cash Flow Less CapEx to Interest Expense		 0.32 0.36 0.15 0.46 0.43 0.65 0.37 1.08 - 1.09 0.71
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		 3.27 3.16 3.17 3.01 2.90 2.94 2.84 2.93 - 3.20 3.31
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,341 1,253 1,296 1,336 1,318 1,282 1,423 1,317 - 1,289 1,435
Invested Capital Turnover		 0.23 0.66 0.25 0.28 0.27 0.28 0.25 0.28 - 0.31 0.30
Increase / (Decrease) in Invested Capital		 -450 1,431 -241 128 -23 30 127 -19 - 7.19 11
Enterprise Value (EV)		 1,072 839 891 871 736 698 997 553 - 648 1,188
Market Capitalization		 1,075 956 979 1,001 1,034 1,082 1,114 1,078 - 1,285 1,581
Book Value per Share		 $34.39 $34.78 $35.33 $36.79 $36.74 $37.81 $38.70 $38.90 - $40.68 $41.45
Tangible Book Value per Share		 $28.76 $29.24 $29.86 $31.40 $31.41 $32.46 $33.40 $33.67 - $35.49 $36.31
Total Capital		 1,341 1,253 1,296 1,336 1,318 1,282 1,423 1,317 - 1,289 1,435
Total Debt		 278 174 201 190 172 102 218 103 - 29 153
Total Long-Term Debt		 278 174 201 190 172 102 218 103 - 29 153
Net Debt		 -2.56 -118 -88 -131 -298 -384 -117 -524 - -637 -393
Capital Expenditures (CapEx)		 9.32 3.89 1.83 7.32 3.45 0.64 1.03 2.53 - 4.97 9.17
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)		 278 174 201 190 172 102 218 103 - 29 153
Total Depreciation and Amortization (D&A)		 6.35 5.71 5.79 5.73 6.13 6.25 4.99 4.23 - 4.04 4.34
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.43 $0.73 $0.68 $0.60 $0.45 $0.72 $0.47 $0.28 $0.95 $0.89 $1.10
Adjusted Weighted Average Basic Shares Outstanding		 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M 31.22M 30.97M 30.98M 30.90M 30.85M
Adjusted Diluted Earnings per Share		 $0.43 $0.73 $0.67 $0.60 $0.45 $0.71 $0.47 $0.27 $0.95 $0.89 $1.09
Adjusted Weighted Average Diluted Shares Outstanding		 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M 31.22M 30.97M 30.98M 30.90M 30.85M
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		 30.99M 31.01M 31.14M 31.17M 31.21M 31.16M 31.22M 30.97M 30.98M 30.90M 30.85M
Normalized Net Operating Profit after Tax (NOPAT)		 13 23 21 19 14 22 15 8.62 - 28 34
Normalized NOPAT Margin		 16.54% 24.99% 21.78% 20.49% 18.29% 23.83% 17.54% 7.85% - 26.62% 31.46%
Pre Tax Income Margin		 21.61% 31.86% 27.75% 26.07% 23.06% 30.35% 22.35% 10.00% - 33.91% 40.07%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.28 0.44 0.39 0.34 0.29 0.53 0.36 0.21 - 0.80 0.99
NOPAT to Interest Expense		 0.21 0.35 0.31 0.27 0.23 0.41 0.28 0.16 - 0.63 0.78
EBIT Less CapEx to Interest Expense		 0.13 0.38 0.37 0.24 0.24 0.52 0.34 0.16 - 0.69 0.78
NOPAT Less CapEx to Interest Expense		 0.07 0.29 0.28 0.16 0.18 0.40 0.26 0.12 - 0.52 0.57
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.16% 22.66% 22.94% 24.75% 24.51% 24.68% 27.00% 31.45% - 23.38% 22.01%
Augmented Payout Ratio		 22.16% 22.66% 22.94% 24.75% 24.51% 24.68% 27.00% 31.45% - 51.51% 50.47%

Financials Breakdown Chart

Key Financial Trends

Origin Bancorp’s recent financial performance shows a meaningful recovery from the weakness recorded in 2025. In Q2 2026, net income rose to $33.8 million from $14.6 million in the restated Q2 2025 period, while diluted EPS increased to $1.09 from $0.47. The improvement was supported by stronger net interest income, lower credit-loss provisions and better investment-related results.

Revenue increased 29% year over year to $107.6 million. Net interest income rose 12% to $92.2 million as loan growth more than offset lower investment securities interest income. Total interest expense declined modestly despite the larger balance sheet, helping the net interest margin trend improve from the prior-year period.

The balance sheet also expanded. Total assets reached $10.3 billion, up from $9.7 billion in Q2 2025. Net loans increased 5% year over year to $8.0 billion, while total deposits grew 7% to $8.7 billion. Shareholders’ equity rose to $1.28 billion, and the accumulated other comprehensive loss narrowed substantially compared with 2023 and 2024 levels.

Cash generation remains positive but volatile. Operating cash flow was $40.0 million in Q2 2026, compared with $20.6 million a year earlier. However, sizable purchases of investment securities produced $215.1 million of negative investing cash flow, and the company ended the quarter with a $119.7 million decline in cash and equivalents. Investors should also note that several historical periods have been marked as restated, calculated or both, which may affect direct comparisons.

  • Profitability rebounded sharply: Q2 2026 net income increased 131% year over year, and diluted EPS rose from $0.47 to $1.09.
  • Net interest income continued to strengthen: Q2 2026 net interest income reached $92.2 million, up from $82.1 million in Q2 2025 and $73.3 million in Q1 2024.
  • Loan growth is supporting earning assets: Net loans reached $8.0 billion in Q2 2026, up approximately 5% from the prior-year period and nearly 7% from Q3 2023.
  • Credit-cost pressure eased: The provision for credit losses fell to just $65,000 in Q2 2026 from $2.9 million in Q2 2025 and $5.0 million in Q1 2026.
  • Deposit funding expanded: Total deposits increased to $8.7 billion, giving Origin a larger funding base for loans and securities.
  • Capital and accumulated comprehensive income improved: Equity grew to $1.28 billion, while accumulated other comprehensive losses narrowed to $60.8 million from $152.9 million in Q2 2023.
  • Operating cash flow remained positive: Q2 2026 operating cash flow of $40.0 million nearly doubled from the comparable 2025 quarter.
  • Noninterest income improved but remains uneven: Q2 2026 noninterest income was $15.4 million, compared with $1.4 million in Q2 2025, but investment gains and losses have fluctuated considerably across recent quarters.
  • Cash balances declined during the quarter: Net cash and equivalents fell by $119.7 million as investment purchases exceeded sales and maturities.
  • Funding and securities activity is highly volatile: Q2 2026 included $3.85 billion of debt issuance and $3.72 billion of repayments, alongside more than $3.2 billion of investment purchases, which could increase sensitivity to liquidity and interest-rate conditions.
10/10/26 07:12 PM 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 fiscal year ends in December. Their fiscal 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. Find out what analysts predict for Origin Bancorp in the coming months.

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%.

In the past 13 quarters, Origin Bancorp's cash and equivalents has ranged from $87.32 million in Q2 2026 to $942.42 million in Q1 2023, and is currently $87.32 million as of their latest financial filing in Q2 2026.


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Financial statements for NYSE:OBK last updated on 8/5/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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