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Origin Bancorp, Inc.

OBK

Origin Bancorp, Inc. • NYSE
$36.39 ▼ -0.38% (-0.14)
Market Cap $1.13 B
52w High $41.16
52w Low $28.80
Dividend Yield 0.60%
P/E 19.05
Volume 60.11K
Outstanding Shares 31.18M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $135.04M ▼ $62.028M ▼ $8.623M ▼ 6.386% ▼ $0.28 ▼ $12.567M ▼
Q2-2025 $137.245M ▼ $63.223M ▲ $14.647M ▼ 10.672% ▼ $0.47 ▼ $22.681M ▼
Q1-2025 $149.238M ▲ $63.161M ▼ $22.411M ▲ 15.017% ▲ $0.72 ▲ $33.8M ▲
Q4-2024 $139.072M ▼ $64.991M ▲ $14.27M ▼ 10.261% ▼ $0.46 ▼ $22.529M ▼
Q3-2024 $159.495M $61.77M $18.601M 11.662% $0.6 $27.707M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.383B ▲ $9.791B ▲ $8.577B ▲ $1.215B ▲
Q2-2025 $1.109B ▼ $9.678B ▼ $8.472B ▼ $1.206B ▲
Q1-2025 $1.306B ▼ $9.75B ▲ $8.57B ▲ $1.18B ▲
Q4-2024 $1.573B ▲ $9.679B ▼ $8.533B ▼ $1.145B ▼
Q3-2024 $1.482B $9.966B $8.82B $1.146B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $8.623M ▼ $59.298M ▲ $153.898M ▲ $79.602M ▲ $292.798M ▲ $56.77M ▲
Q2-2025 $14.647M ▼ $20.631M ▼ $-63.676M ▼ $-109.046M ▼ $-152.091M ▼ $19.606M ▼
Q1-2025 $22.411M ▲ $35.563M ▲ $-58.035M ▼ $38.425M ▲ $15.953M ▼ $32.31M ▲
Q4-2024 $14.27M ▼ $29.875M ▼ $404.635M ▲ $-285.452M ▼ $149.058M ▲ $24.43M ▼
Q3-2024 $18.601M $39.577M $31.784M $-38.22M $33.141M $32.244M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Products And Services Deposit Service Fees
Products And Services Deposit Service Fees
 $0 ▲$10.00M ▲$0 ▼$0 ▲
Products And Services Insurance Commission And Fees
Products And Services Insurance Commission And Fees
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Origin’s revenue has grown steadily over the past five years, showing that the core banking franchise is expanding. Profitability, however, has not risen in step with revenue. Earnings peaked a few years ago and have since eased back, suggesting pressure from higher funding costs, a tougher interest‑rate environment, and possibly higher credit or operating expenses. Margins are still healthy for a regional bank, but the story has shifted from rapid earnings growth to more modest, steady performance with some compression in per‑share profits recently.

Balance Sheet

Balance Sheet The balance sheet looks conservative and gradually stronger. Total assets have been broadly stable, indicating measured rather than aggressive growth. Equity has been building over time, which gives the bank a thicker capital cushion and more loss‑absorbing capacity. Debt levels have declined meaningfully from earlier years, reducing financial leverage and interest burden. Cash balances have moved around but remain solid, implying the bank maintains reasonable liquidity while optimizing its funding mix.

Cash Flow

Cash Flow Cash generation appears to be a clear strength. Operating cash flow has been consistently positive and reasonably stable, showing the underlying banking operations convert earnings into cash. Free cash flow has improved from slightly negative several years ago to comfortably positive in recent years, even after routine investment in the business. Capital spending is modest and predictable, which supports flexibility for dividends, buybacks, or balance‑sheet strengthening, depending on management priorities and regulatory expectations.

Competitive Edge

Competitive Edge Origin operates as a relationship‑driven regional bank in attractive, growing markets across parts of Texas and the Southeast. Its edge is less about unique products and more about service quality, local decision‑making, and an embedded presence in the communities it serves. Awards as a strong employer support the idea of a healthy culture, which can translate into better customer retention. That said, Origin still competes against much larger national banks and nimble fintechs, so its moat is based on execution, relationships, and local knowledge rather than sheer scale or proprietary technology.

Innovation and R&D

Innovation and R&D The bank is not a classic high‑tech innovator but has been deliberate in adopting proven platforms to modernize its operations. The use of the nCino cloud system, expanded digital and mobile banking tools, robust treasury services, and process automation all point to a focus on efficiency and customer experience. The “Optimize Origin” initiative and investment in data‑driven decision‑making suggest ongoing refinement rather than radical reinvention. Future gains are likely to come from better digital interfaces, automation, and selective expansion rather than breakthrough products.

Summary

Origin Bancorp presents as a steady, relationship‑oriented regional bank that has grown its revenue base and strengthened its balance sheet over time, while facing more recent pressure on earnings per share. The franchise benefits from strong positions in growing Southern markets, a service‑centric culture, and pragmatic use of technology to streamline operations. Cash flows are solid, leverage has come down, and capital has built up, which all support resilience. The main watchpoints are how effectively Origin navigates interest‑rate and credit cycles, sustains profitability in a competitive landscape, and executes on its digital and efficiency agenda without overreaching.

NEWS

October 22, 2025 · 4:19 PM UTC

Origin Bancorp, Inc. Reports Earnings for Third Quarter 2025

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October 22, 2025 · 4:18 PM UTC

Origin Bancorp, Inc. Announces Declaration of Quarterly Cash Dividend

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October 10, 2025 · 1:00 PM UTC

Origin Bancorp, Inc. Announces Third Quarter 2025 Earnings Release and Conference Call

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