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Origin Bancorp, Inc.

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
$1.39B
PER (TTM)
18.3
15.3
配当利回り
1.3%
52週高値
$46.02
52週安値
$28.80
52週レンジ
93%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Cullen/Frost Bankers, Inc.CFR
$2.75B
-3.3%
Texas Capital Bancshares, Inc.TCBI
$2.00B
+13.5%
Merchants BancorpMBIN
$1.36B
-5.9%

粗利益率 (最新四半期)

Republic Bancorp, Inc.RBCAA
100.0%
+6.8pp
Cullen/Frost Bankers, Inc.CFR
98.1%
+0.0pp
Tompkins Financial CorporationTMP
85.5%
+0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFR$9.35B14.315.0%10.3%
TCBI$4.75B14.29.3%3.0%
MBIN$2.13B9.79.9%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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月21日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月5日|
    売上高: $160.74M+0.8%
    |
    EPS: $0.28-53.3%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月6日|
    売上高: $137.25M-15.9%
    |
    EPS: $0.47-30.9%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $149.24M-3.7%
    |
    EPS: $0.72-1.4%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月27日|
    売上高: $616.80M+7.0%
    |
    EPS: $2.46-9.6%
    予想を上回る

  • Form 10-K/A - FY 2023

    会計期末: 2023年12月31日|提出日: 2025年2月26日|
    売上高: $576.69M+52.7%
    |
    EPS: $2.72-17.3%
    予想を上回る

  • Form 10-Q/A - Q1 2024

    会計期末: 2024年3月31日|提出日: 2025年2月26日|
    売上高: $154.91M+14.7%
    |
    EPS: $0.73-7.6%
    予想を上回る

  • Form 10-Q/A - Q2 2024

    会計期末: 2024年6月30日|提出日: 2025年2月26日|
    売上高: $163.11M+11.2%
    |
    EPS: $0.68-4.2%
    予想を上回る

  • Form 10-Q/A - Q3 2024

    会計期末: 2024年9月30日|提出日: 2025年2月26日|
    売上高: $159.50M+4.7%
    |
    EPS: $0.60-24.1%
    予想を下回る