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Origin Bancorp, Inc.

Origin Bancorp, Inc.

NYSE•OBK
CEO: Mr. Drake D. Mills
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2018-05-08
Origin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, and residential mortgage loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automatic account transfer services; and mobile and online banking, treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. The company was founded in 1912 and is headquartered in Ruston, Louisiana.
Contact Information
500 South Service Road East, Ruston, LA, 71270, United States
318-255-2222
www.origin.bank
Market Cap
$1.22B
P/E (TTM)
20.4
15
Dividend Yield
1.5%
52W High
$41.17
52W Low
$28.80
52W Range
85%
Rank45Top 56.8%
3.6
F-Score
Modified Piotroski Analysis
Based on 9-year fundamentals
Weak • 3.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2017-2025

Financial Dashboard

Q3 2025 Data

Revenue

$160.74M+0.78%
4-Quarter Trend

EPS

$0.28-53.33%
4-Quarter Trend

FCF

$56.77M+76.06%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Net Interest Income Growth NII rose 11.9% to $83.7M; NIM-FTE expanded 47 basis points to 3.65% due to lower funding costs.
Fraud Drives Provision Spike Provision for credit losses surged to $36.8M (up $32.2M YoY) due to suspected fraud in a major borrowing relationship.
Capital Ratios Remain Strong Company maintained strong capital position; CET1 ratio stood at 13.59% as of September 30, 2025, exceeding regulatory minimums.
Argent Investment Accounting Change Reached 20% ownership in Argent Financial, shifting accounting to equity method, recognizing $7.0M fair value adjustment gain.

Risk Factors

Fraud Impact on Asset Quality Significant charge-offs ($31.4M QTD) related to suspected borrower fraud heavily impacted current quarter earnings and provisioning.
Nonperforming Loan Ratios Rising Nonperforming LHFI increased to $88.3M (1.17% ratio) from $75.0M (0.99% ratio) due to recent loan placements.
Loan Portfolio Composition Shift Total LHFI declined 0.5% to $7.44B, driven by significant decreases in Construction/Land and Commercial/Industrial loan balances.
Regulatory Capital Buffer Sensitivity Regulatory capital ratios are strong, but management notes extended economic recession could adversely impact reported capital ratios.

Outlook

Optimize Origin Efficiency Focus Executing strategic initiatives including branch consolidation and headcount reduction to achieve greater than 1% ROAA run rate by Q4 2025.
Interest Rate Headwinds Moderating Fed cut rates 150 bps from mid-2023 high; lower liability costs drove NIM expansion despite slight yield compression on assets.
Ongoing Share Repurchase Authorization Board authorized a new $50M stock repurchase program in July 2025, continuing capital deployment efforts alongside dividends.
Modified Loan Performance Monitoring Monitoring performance of modified loans, noting $31.6M in term extensions for C&I loans over nine months ended September 30, 2025.

Peer Comparison

Revenue (TTM)

Cullen/Frost Bankers, Inc.CFR
$2.90B
+2.8%
Texas Capital Bancshares, Inc.TCBI
$1.96B
+14.3%
Merchants BancorpMBIN
$1.39B
-1.8%

Gross Margin (Latest Quarter)

Cullen/Frost Bankers, Inc.CFR
75.2%
+0.0pp
FirstSun Capital BancorpFSUN
65.9%
-0.2pp
Old Second Bancorp, Inc.OSBC
64.5%
-14.9pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CFR$8.66B13.615.3%9.2%
TCBI$4.38B15.28.3%2.8%
MBIN$1.59B6.511.2%15.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.9%
Moderate Growth
4Q Net Income CAGR
-15.5%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 28, 2026
|
EPS:$0.88
|
Revenue:$100.24M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $160.74M+0.8%
    |
    EPS: $0.28-53.3%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $137.25M-15.9%
    |
    EPS: $0.47-30.9%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $149.24M-3.7%
    |
    EPS: $0.72-1.4%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $616.80M+7.0%
    |
    EPS: $2.46-9.6%
    Beat

  • Form 10-K/A - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 26, 2025|
    Revenue: $576.69M+52.7%
    |
    EPS: $2.72-17.3%
    Beat

  • Form 10-Q/A - Q1 2024

    Period End: Mar 31, 2024|Filed: Feb 26, 2025|
    Revenue: $154.91M+14.7%
    |
    EPS: $0.73-7.6%
    Beat

  • Form 10-Q/A - Q2 2024

    Period End: Jun 30, 2024|Filed: Feb 26, 2025|
    Revenue: $163.11M+11.2%
    |
    EPS: $0.68-4.2%
    Beat

  • Form 10-Q/A - Q3 2024

    Period End: Sep 30, 2024|Filed: Feb 26, 2025|
    Revenue: $159.50M+4.7%
    |
    EPS: $0.60-24.1%
    Miss