Origin Bancorp, Inc.

NYSE•OBK

CEO: Mr. Drake D. Mills

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

500 South Service Road East, Ruston, LA, 71270, United States

318-255-2222

www.origin.bank

時価総額

$1.28B

PER (TTM)

16.9

14.5

配当利回り

1.4%

52週高値

$46.02

52週安値

$28.80

52週レンジ

73%

順位45Top 56.8%

3.6

F-Score

改良版 Piotroski 分析

9年ファンダメンタル

弱い • 3.6 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2017-2025

財務ダッシュボード

Q4 2025 データ

売上高

$151.38M+8.85%

直近4四半期の推移

EPS

$0.96+108.70%

直近4四半期の推移

フリーCF

$39.87M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

CFR

$2.92B

+2.5%

TCBI

$2.00B

+13.5%

MBIN

$1.36B

-5.9%

粗利益率 (最新四半期)

TMP

85.5%

+0.0pp

OSBC

83.2%

+3.3pp

CFR

76.4%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
CFR	$8.69B	13.5	15.0%	9.0%
TCBI	$4.34B	13.0	9.3%	3.0%
MBIN	$1.92B	8.8	9.9%	19.8%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

0.5%

緩やかな成長

4四半期純利益CAGR

9.6%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月21日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし