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

$1.28B

P/E (TTM)

16.9

13.8

Dividend Yield

1.5%

52W High

$46.02

52W Low

$28.80

52W Range

72%

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

Q4 2025 Data

Revenue

$151.38M+8.85%

4-Quarter Trend

EPS

$0.96+108.70%

4-Quarter Trend

FCF

$39.87M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Total Assets Reach $9.72 Billion Total assets grew slightly to $9.72B by year-end 2025; total loans held for investment reached $7.67B, up 1.3% year-over-year.

NIM Expansion Driven by Spread Tax-equivalent NIM improved 39 basis points to 3.61% in 2025, driven by a 70-basis point decline in funding costs exceeding asset yield drops.

Strong Capital Adequacy Maintained Origin Bancorp, Inc. maintained strong capital levels; CET1 ratio stood at 13.54% as of December 31, 2025, well above minimum requirements.

Exceeded ROAA Target for 2025 The company achieved a 0.77% ROAA for 2025, surpassing the initial near-term goal set under the Optimize Origin initiative.

Risk Factors

Asset Quality Deterioration Noted Nonperforming LHFI increased to $81.18M, pushing the NPL ratio to 1.06% due to specific loan relationship issues identified.

Economic Uncertainty Poses Challenges General economic uncertainty, inflation, and geopolitical risks could stress borrowers, potentially increasing delinquencies and charge-offs.

Interest Rate Risk Exposure Remains Future rapid changes in market interest rates could adversely affect net interest income and the fair value of the securities portfolio.

Credit Loss Provisioning Increased ALCL rose 6.3% to $96.78M by year-end 2025, reflecting higher reserves due to updated portfolio risk data and specific fraud-related losses.

Outlook

2026 ROAA Run Rate Goal Set The goal for 2026 is to achieve an ROAA run rate of 1.15% or higher by the fourth quarter, continuing strategic optimization efforts.

Continue Optimize Origin Initiative The company will continue executing the three-pillar strategy focusing on productivity, balance sheet optimization, and culture enhancement.

Focus on Core Deposit Stability Total deposits stand at $8.31B, with continued focus on retaining stable core deposit relationships to fund future loan growth.

Managing Credit Loss Estimates Management must continually assess the ALCL, which requires subjective judgments susceptible to revision based on economic forecasts.

Peer Comparison

Revenue (TTM)

CFR

$2.92B

+2.5%

TCBI

$2.00B

+13.5%

MBIN

$1.36B

-5.9%

Gross Margin (Latest Quarter)

TMP

85.5%

+0.0pp

OSBC

83.2%

+3.3pp

CFR

76.4%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CFR	$8.47B	13.1	15.0%	9.0%
TCBI	$4.21B	12.6	9.3%	3.0%
MBIN	$1.92B	8.8	9.9%	19.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.5%

Moderate Growth

4Q Net Income CAGR

9.6%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 21, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data