Tearsheet

Origin Bancorp (OBK)

Market Price (5/2/2026): $47.315 | Market Cap: $1.5 Bil
Sector: Financials | Industry: Regional Banks

Origin Bancorp (OBK)

Market Price (5/2/2026): $47.315
Market Cap: $1.5 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.5%, FCF Yield is 10%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -80%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38%

Low stock price volatility
Vol 12M is 26%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Digital Payments, Online Banking & Lending, Show more.

Trading close to highs
Dist 52W High is 0.0%, Dist 3Y High is 0.0%

Weak multi-year price returns
3Y Excs Rtn is -16%

Moderate capital ratio
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%

Key risks
OBK key risks include [1] its significant exposure to commercial real estate with deteriorating credit quality and [2] a material weakness in its internal controls over financial reporting.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.5%, FCF Yield is 10%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -80%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38%
3	Low stock price volatility Vol 12M is 26%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Digital Payments, Online Banking & Lending, Show more.
5	Trading close to highs Dist 52W High is 0.0%, Dist 3Y High is 0.0%
6	Weak multi-year price returns 3Y Excs Rtn is -16%
7	Moderate capital ratio Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%
8	Key risks OBK key risks include [1] its significant exposure to commercial real estate with deteriorating credit quality and [2] a material weakness in its internal controls over financial reporting.

Valuation, Metrics & Events

	5/2/26	2025	2024	2023	2022
Share Price CYE	$47.31	$37.61	$33.29	$35.57	$36.70
Market Cap CYE ($ Bil)	1.5	1.2	1.0	1.1	1.1
Total Debt ($ Bil)	0.0	0.0	0.2	0.3	0.8
Total Cash ($ Bil)	0.4	0.4	0.5	0.3	0.4
Enterprise Value ($ Bil)	1.1	1.2	1.2	1.4	1.9
Valuation Ratios
P/S TTM	3.8	3.0	2.9	3.1	3.5
P/EBIT TTM	-	-	-	-	-
P/E TTM	19.5	15.5	13.6	13.1	12.9
P/FCF TTM	9.9	7.8	12.0	10.7	8.2
Sector Ratios
P/S TTM (Sector)	3.2	3.0	3.1	2.7	2.7
P/EBIT TTM (Sector)	6.8	6.6	8.2	7.2	6.9
P/E TTM (Sector)	11.7	11.0	11.5	9.9	9.0
P/FCF TTM (Sector)	8.9	8.7	9.0	7.7	6.2

	5/2/26	2025	2024
Share Price CYE	$47.31	$37.61	$33.29
Market Cap CYE ($ Bil)	1.5	1.2	1.0
Total Debt ($ Bil)	0.0	0.0	0.2
Total Cash ($ Bil)	0.4	0.4	0.5
Enterprise Value ($ Bil)	1.1	1.2	1.2
Valuation Ratios
P/S TTM	3.8	3.0	2.9
P/EBIT TTM	-	-	-
P/E TTM	19.5	15.5	13.6
P/FCF TTM	9.9	7.8	12.0
Sector Ratios
P/S TTM (Sector)	3.2	3.0	3.1
P/EBIT TTM (Sector)	6.8	6.6	8.2
P/E TTM (Sector)	11.7	11.0	11.5
P/FCF TTM (Sector)	8.9	8.7	9.0

	OBK	S&P 500
REVENUE GROWTH	GOOD
Rev LTM ($ Bil)	0.4
Rev Chg Q	29.8%	8.0%
Rev Chg LTM	10.5%	6.9%
Rev Chg 3Y Avg	6.1%	5.7%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.2
Net Inc LTM ($ Bil)	0.1
CFO/Rev LTM	40.9%	20.8%
Net Inc Mgn	19.3%	12.8%
VALUATION	MODERATE
P/S	3.8	3.3
P/CFO	9.2	15.4
P/FCF	9.9	19.5
P/E	19.5	24.2

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Metric	Value	Date	Source
Number of Banking Centers	56	10212025	Link
Number of Employees	1,010	9102025	Link
Total Community Volunteer Hours	More than 25,000	11072025	Link

Recent
4/22/2026	Earnings Release	Rev: $104 Mil (A) vs. $103 Mil (E) EPS: 0.89 (A) vs. $0.90 (E)
Upcoming
5/15/2026	Dividend	Amount: $0.25 Payment On: 5/29/2026
7/22/2026	Earnings Release	Rev: $108 Mil (E) EPS: $1.01 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Origin Bancorp (OBK) stock has gained about 10% since 1/31/2026 because of the following key factors:

1. Strong Fourth Quarter 2025 Earnings Beat. Origin Bancorp reported diluted earnings per share (EPS) of $0.95 for Q4 2025, surpassing the consensus estimate of $0.88. The company's revenue of $103 million also exceeded analyst expectations by 3.1%. This strong performance was announced on January 28, 2026, just before the specified period, setting a positive tone for the stock. The company's return on average assets (ROA) reached 1.19%, exceeding its 1% target, and net interest income (NII) increased by 10.2% year-over-year.

2. Significant Increase in Quarterly Dividend. In April 2026, Origin Bancorp's board of directors approved a substantial 67% increase in its quarterly cash dividend, raising it from $0.15 to $0.25 per share. This decision, declared on April 22, 2026, signaled strong confidence from management in the company's financial strength and its ability to generate sustainable shareholder returns.

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Stock Movement Drivers

Fundamental Drivers

The 10.9% change in OBK stock from 1/31/2026 to 5/1/2026 was primarily driven by a 18.0% change in the company's Net Income Margin (%).

(LTM values as of)	1312026	5012026	Change
Stock Price ($)	42.68	47.33	10.9%
Change Contribution By:
Total Revenues ($ Mil)	366	389	6.3%
Net Income Margin (%)	16.4%	19.3%	18.0%
P/E Multiple	22.2	19.5	-12.2%
Shares Outstanding (Mil)	31	31	0.7%
Cumulative Contribution			10.9%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2026 to 5/1/2026

	Return	Correlation
OBK	10.9%
Market (SPY)	3.6%	46.2%
Sector (XLF)	-2.3%	62.6%

Fundamental Drivers

The 37.6% change in OBK stock from 10/31/2025 to 5/1/2026 was primarily driven by a 27.0% change in the company's P/E Multiple.

(LTM values as of)	10312025	5012026	Change
Stock Price ($)	34.39	47.33	37.6%
Change Contribution By:
Total Revenues ($ Mil)	347	389	12.0%
Net Income Margin (%)	20.1%	19.3%	-4.0%
P/E Multiple	15.3	19.5	27.0%
Shares Outstanding (Mil)	31	31	0.7%
Cumulative Contribution			37.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 5/1/2026

	Return	Correlation
OBK	37.6%
Market (SPY)	5.5%	38.2%
Sector (XLF)	-0.0%	58.5%

Fundamental Drivers

The 50.1% change in OBK stock from 4/30/2025 to 5/1/2026 was primarily driven by a 51.8% change in the company's P/E Multiple.

(LTM values as of)	4302025	5012026	Change
Stock Price ($)	31.53	47.33	50.1%
Change Contribution By:
Total Revenues ($ Mil)	352	389	10.5%
Net Income Margin (%)	21.7%	19.3%	-11.0%
P/E Multiple	12.8	19.5	51.8%
Shares Outstanding (Mil)	31	31	0.6%
Cumulative Contribution			50.1%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2025 to 5/1/2026

	Return	Correlation
OBK	50.1%
Market (SPY)	30.4%	44.7%
Sector (XLF)	8.1%	58.0%

Fundamental Drivers

The 69.7% change in OBK stock from 4/30/2023 to 5/1/2026 was primarily driven by a 99.6% change in the company's P/E Multiple.

(LTM values as of)	4302023	5012026	Change
Stock Price ($)	27.88	47.33	69.7%
Change Contribution By:
Total Revenues ($ Mil)	326	389	19.2%
Net Income Margin (%)	26.9%	19.3%	-28.1%
P/E Multiple	9.8	19.5	99.6%
Shares Outstanding (Mil)	31	31	-0.8%
Cumulative Contribution			69.7%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2023 to 5/1/2026

	Return	Correlation
OBK	69.7%
Market (SPY)	78.7%	46.9%
Sector (XLF)	64.3%	62.3%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
OBK Return	56%	-13%	-1%	-5%	15%	25%	83%
Peers Return	27%	1%	1%	19%	6%	6%	74%
S&P 500 Return	27%	-19%	24%	23%	16%	5%	92%
Monthly Win Rates [3]
OBK Win Rate	75%	33%	58%	42%	75%	50%
Peers Win Rate	67%	50%	52%	55%	55%	50%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
OBK Max Drawdown	-1%	-16%	-28%	-21%	-11%	0%
Peers Max Drawdown	-3%	-13%	-27%	-13%	-17%	-3%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: CFR, PB, TCBI, HWC, HOMB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/1/2026 (YTD)

Event	OBK	S&P 500
2025 US Tariff Shock
% Loss	-25.5%	-18.8%
% Gain to Breakeven	34.3%	23.1%
Time to Breakeven	245 days	79 days
Summer-Fall 2023 Five Percent Yield Shock
% Loss	-16.5%	-9.5%
% Gain to Breakeven	19.8%	10.5%
Time to Breakeven	9 days	24 days
2023 SVB Regional Banking Crisis
% Loss	-32.6%	-6.7%
% Gain to Breakeven	48.4%	7.1%
Time to Breakeven	624 days	31 days
2022 Inflation Shock & Fed Tightening
% Loss	-14.0%	-24.5%
% Gain to Breakeven	16.3%	32.4%
Time to Breakeven	81 days	427 days
2020 COVID-19 Crash
% Loss	-47.3%	-33.7%
% Gain to Breakeven	89.8%	50.9%
Time to Breakeven	314 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-17.4%	-19.2%
% Gain to Breakeven	21.1%	23.7%
Time to Breakeven	805 days	105 days

Compare to CFR, PB, TCBI, HWC, HOMB

In The Past

Origin Bancorp's stock fell -25.5% during the 2025 US Tariff Shock. Such a loss loss requires a 34.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

Event	OBK	S&P 500
2025 US Tariff Shock
% Loss	-25.5%	-18.8%
% Gain to Breakeven	34.3%	23.1%
Time to Breakeven	245 days	79 days
2023 SVB Regional Banking Crisis
% Loss	-32.6%	-6.7%
% Gain to Breakeven	48.4%	7.1%
Time to Breakeven	624 days	31 days
2020 COVID-19 Crash
% Loss	-47.3%	-33.7%
% Gain to Breakeven	89.8%	50.9%
Time to Breakeven	314 days	140 days

Compare to CFR, PB, TCBI, HWC, HOMB

In The Past

Origin Bancorp's stock fell -25.5% during the 2025 US Tariff Shock. Such a loss loss requires a 34.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Origin Bancorp (OBK)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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, high net worth individuals, 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, residential mortgage, and paycheck protection program 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 box, U.S. savings bonds, and automatic account transfer services; and treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. As of December 31, 2021, it operated 44 banking centers. The company was founded in 1912 and is headquartered in Ruston, Louisiana.

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Here are a few analogies for Origin Bancorp (OBK):

Bank of America for the Gulf South region
A regional JPMorgan Chase
A community-focused Wells Fargo, operating in Texas, Louisiana, and Mississippi

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Deposit Accounts: Offers various checking, savings, money market, and time deposit accounts for individuals and businesses.
Lending Services: Provides a diverse portfolio of loans including commercial real estate, construction, consumer, residential, commercial & industrial, and mortgage warehouse loans.
Insurance Products: Delivers personal and commercial property and casualty insurance solutions.
Digital Banking & Treasury Services: Supplies internet banking, mobile apps, cash management, treasury management, and other financial technology solutions.

AI Analysis | Feedback

Origin Bancorp (OBK) primarily serves the following categories of customers:

Small and medium-sized businesses
Municipalities
Individuals (including both high net worth individuals and retail clients)

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Drake Mills, Chairman, President and Chief Executive Officer

Drake Mills has over 36 years of banking experience, having started his career at Origin Bank in January 1998 as a check file clerk. He has served as CEO for over 28 years and is described as having an entrepreneurial spirit.

William Wallace, IV, Chief Financial Officer

Wally Wallace joined Origin Bancorp in 2022 and brings over 18 years of experience in the financial industry. Before joining Origin, he worked as a managing director and equity analyst at Raymond James & Associates, which he joined in 2011 following an acquisition. Prior to that, he held a role as an assistant vice president at FBR Capital Markets.

M. Lance Hall, President and Chief Executive Officer, Origin Bank

Lance Hall has served the Origin organization for over 25 years, holding various roles with increasing responsibility. He was promoted to President and CEO of Origin Bank, the company's subsidiary, in January 2020. His previous positions include President of Origin Bank (since July 2018), Louisiana State President (March 2013 to July 2018), Chief Strategy Officer (March 2016), and Chief Operating Officer of the Bank (February 2017). Before joining Origin Bank, Mr. Hall spent four years at Regions Bank as a Credit Analyst and Commercial Relationship Manager.

Stephen Brolly, Chief Accounting Officer

Stephen Brolly possesses approximately 19 years of banking experience. Before joining Origin in January 2018, he served as Chief Financial Officer of Fidelity Southern Corporation and its wholly-owned subsidiary, Fidelity Bank, for approximately ten years from 2006 to 2017. In that role, he was responsible for equity and debt raising activities, strategic planning, budgeting and forecasting, and managing financial, operational, and strategic activities related to acquisitions. Prior to his tenure at Fidelity Southern, he was Senior Vice President and Controller of Sun Bancorp, Inc. and Sun National Bank for seven years. He began his professional career in public accounting, spending 13 years at Deloitte & Touche.

Jim Crotwell, Chief Risk Officer

Jim Crotwell serves as the Chief Risk Officer for Origin Bancorp. Limited additional background information is publicly available for this individual from the search results.

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Here are the key risks to Origin Bancorp (OBK):

Key Risks to Origin Bancorp (OBK)

Credit Risk and Commercial Real Estate (CRE) Exposure: Origin Bancorp faces significant credit risk, particularly from its substantial exposure to commercial real estate. Elevated interest rates and shifts in office demand can put stress on the CRE market, potentially leading to increased loan losses and deterioration in asset quality. General economic downturns in its operating regions could also adversely affect borrower creditworthiness and the performance of its loan portfolio.
Interest Rate Fluctuations and Deposit Competition: The company's profitability is sensitive to changes in benchmark interest rates, which directly impact its net interest income. Origin Bancorp also faces intense competition for deposits from digital and national banks, which can compress its net interest margins and make funding growth more challenging.
Geographic Concentration: Origin Bancorp operates primarily in Texas, Louisiana, and Mississippi. This regional concentration exposes the bank to heightened vulnerability from localized economic downturns, regional real estate market corrections, and potential shocks within key sectors like the energy industry in these states.

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The rise of digital-only banks (neobanks) and specialized fintech companies offering streamlined lending, payment, and treasury management solutions pose a clear emerging threat to Origin Bancorp's traditional banking model. These entities often leverage lower operating costs and advanced technology to offer more competitive rates, faster service, and enhanced digital user experiences, potentially eroding OBK's deposit base and market share in various lending and financial service segments.

AI Analysis | Feedback

Origin Bancorp (OBK) operates in the banking and financial services sector across Texas, Louisiana, and Mississippi. The addressable markets for its main products and services in the United States and specifically in Texas are detailed below:

Commercial Banking

The U.S. commercial banking market size was estimated at USD 732.5 billion in 2025 and is projected to reach USD 915.45 billion by 2030, growing at a compound annual growth rate (CAGR) of 4.56%. The South and Southwest regions, which include Origin Bancorp's operating areas, are among the fastest-growing regions for commercial banking, with combined loan balances expanding at over 5.85% annually. The U.S. commercial banking market in Texas, in particular, experienced significant growth in 2025 and is expected to surpass national growth rates through 2031.

Retail Banking

The United States retail banking market was valued at USD 0.87 trillion in 2025 and is projected to reach USD 1.08 trillion by 2030, with a CAGR of 4.22% during the forecast period.

Commercial Real Estate Lending

The U.S. commercial real estate mortgage market for income-producing properties is approximately $4.5 trillion. Additionally, construction loans account for about $467 billion. Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at $498 billion in 2024. In Texas specifically, commercial construction spending totals approximately $90 billion per year. Commercial Real Estate Loans held by all commercial banks in the United States amounted to $3,072.46750 billion in February 2026.

Residential Real Estate Lending

The U.S. home loan market size is estimated at USD 2.29 trillion in 2025 and is projected to grow to USD 3.17 trillion by 2031, at a CAGR of 5.56% from 2026 to 2031. Sun Belt states such as Texas, Florida, Arizona, and North Carolina lead this market due to population inflows and relative housing affordability.

Property & Casualty Insurance

The U.S. property and casualty insurance market is valued at USD 1.10 trillion in 2025 and is projected to reach USD 1.33 trillion by 2030, growing at a CAGR of 3.96%. For Origin Bancorp's specific operating regions, direct premiums earned in the property and casualty insurance market for Texas totaled $59 billion in 2024. North America, which includes the U.S., dominated the global property and casualty insurance market with a 32% market share in 2025.

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Expected Drivers of Future Revenue Growth for Origin Bancorp (OBK)

Origin Bancorp (OBK) is positioned for future revenue growth over the next 2-3 years, driven by several strategic initiatives and market opportunities:


    Strategic Expansion and Market Share Gains: The company plans to expand its presence through strategic hiring of new bankers, particularly in high-growth markets such as Houston and Dallas-Fort Worth. This expansion aims to capitalize on market disruption created by mergers and acquisitions among competitors within its operating footprint of Texas, Louisiana, and Mississippi. Origin Bancorp has a history of enhancing market share through both organic growth and strategic acquisitions and de novo market entries.
    Loan Growth and Originations: Investments in additional banking talent are expected to accelerate loan growth in late 2026 and into 2027. Management anticipates mid- to high single-digit growth in loans and deposits. The company has demonstrated strong loan origination performance, with an approximately 37% year-over-year increase in Q4 CY2025, significantly driven by activity in Texas.
    Growth in Non-Interest Income: Origin Bancorp expects to generate additional income through specific non-interest-bearing activities. Notably, an increased ownership stake in Argent Financial to 20% is projected to drive approximately $6 million in additional income in the upcoming year (from July 2025). Furthermore, the company has seen a 57% increase in loan and swap fees.
    Net Interest Margin (NIM) Management and Optimization: While facing potential slight margin compression in Q1 2026, Origin Bancorp anticipates its Net Interest Margin (NIM) to be in the 3.70% to 3.80% range by Q4 2026, with a bias towards the higher end. This sustained or expanding NIM, alongside earning asset yields, is expected to contribute to net interest income growth in the mid-to-high single digits for both the full year 2026 and Q4 over Q4.
    "Optimize Origin" Initiative: This strategic initiative is designed to drive elite financial performance and enhance the company's culture. With a focus on productivity, delivery, efficiency, balance sheet optimization, and employee engagement, the initiative targets achieving a return on average assets (ROAA) run rate of 1.15% or higher by the fourth quarter of 2026. Improvements in operational efficiency and balance sheet management stemming from this initiative are expected to bolster overall revenue generation and profitability.

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Share Repurchases

Origin Bancorp did not undertake any stock repurchases during the years ended December 31, 2022, or December 31, 2023.
In the second quarter of 2025, the company repurchased 136,399 shares of common stock.
During the fourth quarter of 2025, Origin Bancorp repurchased 49,358 shares of its common stock at an average price of $38.77 per share. A new $50 million stock repurchase program was also announced in Q2 2025.

Share Issuance

Origin Bancorp acquired BT Holdings in Quitman, Texas, in an all-stock deal valued at $313.5 million, which was announced in February 2022 and closed later that year. This acquisition significantly increased the shares outstanding from 23.48 million at the end of 2021 to 30.67 million at the end of 2022.
The company has an Employee Stock Purchase Plan (ESPP) which provides for the purchase of up to an aggregate one million shares of common stock by employees.
Shares are also issued through restricted stock unit (RSU) grants to executives, with exercises and new grants occurring, such as in February 2025 and 2026.

Inbound Investments

No significant large investments made in Origin Bancorp by third-party strategic partners or private equity firms have been reported during the last 3-5 years.

Outbound Investments

In February 2022, Origin Bancorp agreed to acquire BT Holdings in Quitman, Texas, in an all-stock transaction valued at $313.5 million. This acquisition was aimed at accelerating growth in East Texas and the Dallas-Fort Worth marketplace.

Capital Expenditures

Origin Bancorp plans to invest approximately $10 million in new bankers and banking teams in 2026 to capitalize on market opportunities.
The company has focused on "Critical Southeast Expansion And Tech Investments" to boost market share and profitability.
Cash from investing activities was -$113.7 million in 2025, which broadly includes capital expenditures on property and equipment, as well as purchases and sales of investment securities and business acquisitions.

Interactive Breakdown

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Better Bets vs. Origin Bancorp (OBK)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Origin Bancorp Stock Jump Looks Great, But How Secure Is That Gain?	10/17/2025
2	Why Origin Bancorp Stock Moved: OBK Stock Has Lost 12% Since 2021 Fiscal End, Primarily Due To Unfavorable Change In Price To Sales Multiple (P/S)	08/08/2025
3	Origin Bancorp (OBK) Valuation Ratios Comparison	08/08/2025
4	OBK Dip Buy Analysis	07/10/2025
5	Time To Buy Origin Bancorp Stock?	05/16/2025
6	Origin Bancorp (OBK) Operating Cash Flow Comparison	02/17/2025
7	Origin Bancorp (OBK) Net Income Comparison	02/16/2025

	Title
0	ARTICLES

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NP_3312026_Insider_Buying_45D_2Buy_200K	03312026	NP	Neptune Insurance	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	3.9%	3.9%	0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper	03272026	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	0.3%	0.3%	-4.0%
OBK_11302025_Insider_Buying_45D_2Buy_200K	11302025	OBK	Origin Bancorp	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	29.1%	29.1%	0.0%

Recent Active Movers

Top Gainers

null

Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
SMMT	Summit Therapeutics	12.4	-24.9%	-7.9%
TREE	LendingTree	0.5	-21.7%	-26.9%
NSP	Insperity	1.1	-19.8%	-24.2%
CBIO	Crescent Biopharma	0.6	-19.2%	52.4%
RBLX	Roblox	31.8	-18.3%	-44.3%
CABO	Cable One	0.4	-18.0%	-33.5%
ATMU	Atmus Filtration Technologies	4.2	-17.0%	1.5%
RYAN	Ryan Specialty	4.0	-11.3%	-40.1%
SNDX	Syndax Pharmaceuticals	1.7	-10.8%	-9.0%
DLB	Dolby Laboratories	5.5	-10.4%	-10.0%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
BAND	Bandwidth	1.4	86.0%	190.4%
MANE	Veradermics	2.0	48.9%	167.5%
KFRC	Kforce	0.8	35.9%	44.5%
FIVN	Five9	1.7	34.4%	10.9%
NVCR	NovoCure	1.9	33.3%	28.5%
COCO	Vita Coco	3.8	32.5%	25.9%
PRCH	Porch	1.1	30.7%	12.9%
KNSA	Kiniksa Pharmaceuticals International	4.2	29.2%	34.0%
NUTX	Nutex Health	1.0	28.9%	-15.2%
LWLG	Lightwave Logic	2.2	28.5%	402.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
ERAS	Erasca	2.8	-53.3%	169.6%
POET	POET Technologies	0.7	-51.6%	15.5%
VISN	Vistance Networks	2.6	-38.5%	-35.3%
OPCH	Option Care Health	3.2	-29.5%	-37.1%
RMBS	Rambus	12.1	-29.3%	21.8%
CABO	Cable One	0.4	-27.2%	-33.5%
CBIO	Crescent Biopharma	0.6	-27.1%	52.4%
SMMT	Summit Therapeutics	12.4	-27.0%	-7.9%
IDCC	InterDigital	7.5	-21.2%	-8.3%
TREE	LendingTree	0.5	-19.6%	-26.9%

Top Gainers

null

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
ERAS	Erasca	2.8	-39.6%	169.6%
VISN	Vistance Networks	2.6	-35.0%	-35.3%
LCID	Lucid	2.1	-31.6%	-38.1%
VRDN	Viridian Therapeutics	1.3	-29.9%	-56.9%
OPCH	Option Care Health	3.2	-24.4%	-37.1%
TSCO	Tractor Supply	17.9	-24.0%	-32.1%
QDEL	QuidelOrtho	0.9	-23.8%	-55.7%
IIIN	Insteel Industries	0.5	-22.7%	-16.6%
RBLX	Roblox	31.8	-21.7%	-44.3%
PATK	Patrick Industries	2.9	-21.3%	-17.7%

Peer Comparisons

Peers to compare with:

Financials

	OBK	CFR	PB	TCBI	HWC	HOMB	Median
Name	Origin B.	Cullen/F.	Prosperi.	Texas Ca.	Hancock .	Home Ban.
Mkt Price	47.33	140.36	69.33	101.38	67.17	26.74	68.25
Mkt Cap	1.5	8.9	6.5	4.5	5.6	5.3	5.4
Rev LTM	389	2,235	1,201	1,299	1,509	1,078	1,250
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	149	127	517	435	523	377	406
FCF 3Y Avg	113	436	527	396	536	385	416
CFO LTM	159	274	550	447	542	399	423
CFO 3Y Avg	132	581	556	428	554	413	491

Growth & Margins

	OBK	CFR	PB	TCBI	HWC	HOMB	Median
Name	Origin B.	Cullen/F.	Prosperi.	Texas Ca.	Hancock .	Home Ban.
Rev Chg LTM	10.5%	8.3%	4.9%	35.8%	4.9%	7.7%	8.0%
Rev Chg 3Y Avg	6.1%	9.8%	2.7%	9.1%	3.1%	5.6%	5.8%
Rev Chg Q	29.8%	8.3%	3.3%	15.5%	6.7%	9.3%	8.8%
QoQ Delta Rev Chg LTM	6.3%	2.0%	0.8%	3.5%	1.6%	2.2%	2.1%
Op Inc Chg LTM	-	-	-	-	-	-	-
Op Inc Chg 3Y Avg	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	40.9%	12.3%	45.7%	34.4%	35.9%	37.0%	36.5%
CFO/Rev 3Y Avg	36.2%	28.1%	49.2%	39.1%	38.5%	40.6%	38.8%
FCF/Rev LTM	38.2%	5.7%	43.0%	33.5%	34.7%	35.0%	34.8%
FCF/Rev 3Y Avg	30.7%	21.2%	46.6%	36.0%	37.3%	37.9%	36.7%

Valuation

	OBK	CFR	PB	TCBI	HWC	HOMB	Median
Name	Origin B.	Cullen/F.	Prosperi.	Texas Ca.	Hancock .	Home Ban.
Mkt Cap	1.5	8.9	6.5	4.5	5.6	5.3	5.4
P/S	3.8	4.0	5.4	3.4	3.7	4.9	3.9
P/Op Inc	-	-	-	-	-	-	-
P/EBIT	-	-	-	-	-	-	-
P/E	19.5	13.8	12.0	12.5	11.5	11.1	12.3
P/CFO	9.2	32.6	11.9	10.0	10.3	13.2	11.1
Total Yield	5.5%	10.1%	11.7%	8.0%	10.1%	12.1%	10.1%
Dividend Yield	0.3%	2.9%	3.4%	0.0%	1.4%	3.0%	2.1%
FCF Yield 3Y Avg	10.2%	5.4%	8.0%	11.5%	11.4%	7.1%	9.1%
D/E	0.0	0.0	0.3	0.2	0.2	0.1	0.2
Net D/E	-0.8	-1.1	-1.6	-0.5	0.1	-0.3	-0.6

Returns

	OBK	CFR	PB	TCBI	HWC	HOMB	Median
Name	Origin B.	Cullen/F.	Prosperi.	Texas Ca.	Hancock .	Home Ban.
1M Rtn	13.4%	1.2%	2.9%	5.8%	4.8%	-1.7%	3.8%
3M Rtn	10.9%	2.6%	1.4%	0.2%	-1.6%	-6.8%	0.8%
6M Rtn	37.6%	15.7%	7.2%	20.9%	19.4%	1.6%	17.5%
12M Rtn	49.8%	20.2%	5.4%	47.5%	31.3%	-1.9%	25.8%
3Y Rtn	86.5%	50.4%	30.1%	114.4%	111.8%	44.4%	68.5%
1M Excs Rtn	3.5%	-8.7%	-7.0%	-4.2%	-5.2%	-11.6%	-6.1%
3M Excs Rtn	6.7%	-1.6%	-2.8%	-4.0%	-5.8%	-11.0%	-3.4%
6M Excs Rtn	33.2%	12.4%	3.4%	16.7%	16.1%	-3.0%	14.3%
12M Excs Rtn	20.3%	-5.6%	-24.1%	18.9%	3.1%	-30.7%	-1.3%
3Y Excs Rtn	-15.7%	-30.1%	-50.7%	23.7%	27.4%	-39.9%	-22.9%

FDIC Bank Data

Bank Capital

FDIC Data As Of	6302023
CAPITAL
Equity Total Capital ($ Bil)	1
Tier 1 (Core) Capital ($ Bil)	1
ASSETS
Total Assets ($ Bil)	10
Adjusted Average Assets ($ Bil)	10
Risk Weighted Assets Adjusted ($ Bil)	9
LEVERAGE RATIOS
Tier 1 Capital / Total Assets Ratio	10.1%
Tier 1 Capital / Adjusted Avg Assets Ratio	10.1%
Tier 1 Capital / Risk Wtd Assets Ratio	11.7%

Bank Deposits

FDIC Data As Of	6302023
DEPOSITS
Total Deposits ($ Bil)	9
Uninsured Deposits ($ Bil)	4
Uninsured Deposits Ratio %	43.2%

Bank Assets

FDIC Data As Of	6302023
ASSETS
Cash Balance ($ Bil)	0
Securities ($ Bil)	2
Net Loans ($ Bil)	8
Trading Assets ($ Bil)	0
Bank Premises Assets ($ Bil)	0
Other Real Estate Owned ($ Bil)	0
Goodwill & Intangibles ($ Bil)	0
Other Assets ($ Bil)	0
Total Assets (Sum) ($ Bil)	10
Total Assets (Reported) ($ Bil)	10
Risk Weighted Assets ($ Bil)	9
SECURITIES DETAILS
US Govt Securities ($ Bil)	1
Equity Securities Not Held for Trading ($ Bil)	0
Total Debt Securities ($ Bil)	2
Mortgage-Backed Securities ($ Bil)	1
SECURITIES VALUATION
Securities Held to Maturity (Book Value) ($ Bil)	0
Securities Available for Sale (Fair Market) ($ Bil)	2

Bank Loans

FDIC Data As Of	6302023
LOAN DETAILS
All Real Estate Loans ($ Bil)	5
Farm Loans ($ Bil)	0
Commercial and Industrial Loans ($ Bil)	2
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)	0
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)	0
Commercial Real Estate Owner-Occupied ($ Bil)	1
Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)	2
Total Net Loans ($ Bil)	8

FDA Approved Drugs Data

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Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	2/25/2026	2/25/2026	2/27/2025	2/28/2024	2/22/2023	2/23/2022	3/2/2021
Key Financials
Total Revenue	389	389	352	352	326	265	250
Net Income	75	75	76	84	88	109	36
EPS	2.42	2.42	2.46	2.72	3.29	4.63	1.56
Growth Rates
Total Revenue Growth	10.5%	10.5%	-0.1%	8.0%	23.2%	6.1%	15.6%
Net Income Growth	-1.7%	-1.7%	-8.7%	-4.5%	-19.2%	198.6%	-32.5%
Margins
Net Income Margin	19.3%	19.3%	21.7%	23.8%	26.9%	41.0%	14.6%
Cash & Debt
Total Cash	1,196	1,196	1,573	1,534	2,000	2,210	1,382
Total Debt	22	22	166	271	789	414	1,078
Net Debt / (Cash)	-1,174	-1,174	-1,407	-1,263	-1,212	-1,796	-304
Cash Flows
Net Cash from Operations	159	159	108	130	146	171	1
Free Cash from Operations	149	149	86	103	137	166	-6
Returns to Shareholders
Dividends	19	19	19	19	16	12	9
Share Repurchases	11	16	-0	-0	-0	1	1

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	2/25/2026	11/5/2025	8/6/2025	5/7/2025	2/27/2025	11/6/2024	8/8/2024	5/7/2024	2/28/2024	11/7/2023	8/2/2023	5/3/2023
Key Financials Quarterly
Total Revenue	101	108	85	95	78	90	95	90	80	91	90	92
Net Income	30	9	15	22	14	19	21	23	13	24	22	24
EPS	0.95	0.28	0.47	0.72	0.46	0.60	0.68	0.73	0.43	0.79	0.71	0.79
Key Financials TTM
Total Revenue TTM	389	366	347	358	352	354	355	350	352	369	369	351
Net Income TTM	75	60	70	76	76	76	81	82	84	100	92	91
Growth Rates Quarterly
Total Revenue Growth	29.8%	20.8%	-11.0%	6.3%	-2.6%	-1.5%	6.2%	-2.7%	-17.5%	0.5%	24.7%	36.5%
Net Income Growth	106.8%	-53.6%	-30.2%	-1.0%	6.3%	-23.5%	-3.5%	-6.9%	-54.5%	49.7%	2.1%	17.5%
Margins Quarterly
Net Income Margin	29.3%	8.0%	17.3%	23.6%	18.4%	20.7%	22.0%	25.3%	16.8%	26.7%	24.3%	26.4%
Cash & Debt
Total Cash	1,196	1,383	1,109	1,306	1,573	1,482	1,448	1,482	1,534	1,596	2,002	2,416
Total Debt	22	96	211	96	166	186	196	167	271	203	533	1,070
Net Debt / (Cash)	-1,174	-1,287	-899	-1,210	-1,407	-1,296	-1,252	-1,315	-1,263	-1,393	-1,468	-1,346
Cash Flows Quarterly
FCF from Operations	43	59	21	36	30	40	12	27	29	25	48	28
Cash Flows TTM
FCF from Operations TTM	159	145	126	117	108	108	94	129	130	152	166	158
Returns to Shareholders Quarterly
Dividends	5	5	5	5	5	5	5	5	5	5	5	5
Share Repurchases	2	10	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Community banking	352	353	327	261	246
Total	352	353	327	261	246

Price Behavior

Price Behavior

Market Price	$47.33
Market Cap ($ Bil)	1.5
First Trading Date	05/09/2018
Distance from 52W High	-0.0%
	50 Days	200 Days
DMA Price	$43.00	$38.74
DMA Trend	up	up
Distance from DMA	10.1%	22.2%
	3M	1YR
Volatility	24.0%	25.8%
Downside Capture	0.45	0.35
Upside Capture	102.64	92.97
Correlation (SPY)	45.8%	45.0%

OBK Betas & Captures as of 4/30/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.59	0.69	0.71	0.68	0.93	0.97
Up Beta	0.60	0.58	0.47	0.72	1.05	0.89
Down Beta	-1.08	0.83	0.93	0.73	1.11	1.07
Up Capture	97%	100%	103%	103%	90%	89%
Bmk +ve Days	15	22	31	66	141	428
Stock +ve Days	14	25	38	70	137	373
Down Capture	-124%	40%	47%	33%	72%	99%
Bmk -ve Days	4	18	30	56	108	321
Stock -ve Days	8	18	26	53	112	374

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with OBK
OBK	50.4%	25.7%	1.54	-
Sector ETF (XLF)	8.2%	14.7%	0.32	58.0%
Equity (SPY)	30.6%	12.5%	1.88	44.7%
Gold (GLD)	39.5%	27.2%	1.20	-10.6%
Commodities (DBC)	51.5%	17.9%	2.20	-13.0%
Real Estate (VNQ)	13.1%	13.5%	0.67	34.6%
Bitcoin (BTCUSD)	-18.2%	42.1%	-0.36	17.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with OBK
OBK	4.2%	29.5%	0.17	-
Sector ETF (XLF)	9.8%	18.7%	0.40	61.0%
Equity (SPY)	12.8%	17.1%	0.59	46.8%
Gold (GLD)	20.5%	17.9%	0.94	-2.8%
Commodities (DBC)	14.3%	19.1%	0.61	8.7%
Real Estate (VNQ)	3.5%	18.8%	0.09	45.1%
Bitcoin (BTCUSD)	7.4%	56.1%	0.35	16.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with OBK
OBK	3.5%	35.0%	0.21	-
Sector ETF (XLF)	12.6%	22.2%	0.52	62.1%
Equity (SPY)	14.9%	17.9%	0.71	46.6%
Gold (GLD)	13.6%	15.9%	0.71	-4.5%
Commodities (DBC)	9.7%	17.7%	0.46	18.2%
Real Estate (VNQ)	5.7%	20.7%	0.24	47.0%
Bitcoin (BTCUSD)	67.4%	66.9%	1.07	15.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	4152026
Short Interest: Shares Quantity	0.5 Mil
Short Interest: % Change Since 3312026	-15.2%
Average Daily Volume	0.2 Mil
Days-to-Cover Short Interest	2.6 days
Basic Shares Quantity	31.0 Mil
Short % of Basic Shares	1.6%

Returns Analyses

	Title
0	Origin Bancorp Stock Jump Looks Great, But How Secure Is That Gain?

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
4/22/2026	4.0%	4.7%
1/28/2026	4.5%	11.0%	2.5%
10/22/2025	-3.7%	0.5%	0.2%
7/23/2025	-0.5%	-1.6%	-1.1%
4/23/2025	0.3%	0.9%	4.8%
1/22/2025	4.8%	8.6%	8.8%
10/23/2024	-2.4%	0.3%	7.1%
7/24/2024	-4.8%	-5.5%	-13.3%
...
SUMMARY STATS
# Positive	13	15	15
# Negative	11	9	8
Median Positive	3.3%	4.7%	7.1%
Median Negative	-2.4%	-2.5%	-3.4%
Max Positive	6.4%	15.5%	22.4%
Max Negative	-5.3%	-12.0%	-13.3%

	Forward Returns
4/22/2026	4.0%	4.7%
1/28/2026	4.5%	11.0%	2.5%
10/22/2025	-3.7%	0.5%	0.2%
7/23/2025	-0.5%	-1.6%	-1.1%
4/23/2025	0.3%	0.9%	4.8%
1/22/2025	4.8%	8.6%	8.8%
10/23/2024	-2.4%	0.3%	7.1%
7/24/2024	-4.8%	-5.5%	-13.3%
4/24/2024	3.3%	3.1%	5.3%
1/24/2024	-5.3%	-8.7%	-11.2%
10/25/2023	6.3%	9.6%	22.4%
7/26/2023	-2.9%	-3.4%	-9.2%
4/26/2023	-4.3%	-12.0%	-3.6%
1/25/2023	0.5%	-0.9%	-0.9%
10/26/2022	-1.5%	0.3%	4.0%
7/27/2022	1.6%	2.7%	2.4%
4/27/2022	-0.7%	-1.3%	-3.1%
1/26/2022	-1.3%	2.5%	7.5%
10/27/2021	1.5%	7.4%	0.8%
7/28/2021	0.4%	-2.5%	-2.6%
4/28/2021	3.7%	9.1%	8.2%
1/27/2021	3.0%	10.6%	18.5%
10/28/2020	-0.3%	-0.8%	18.6%
7/22/2020	6.4%	15.5%	12.8%
SUMMARY STATS
# Positive	13	15	15
# Negative	11	9	8
Median Positive	3.3%	4.7%	7.1%
Median Negative	-2.4%	-2.5%	-3.4%
Max Positive	6.4%	15.5%	22.4%
Max Negative	-5.3%	-12.0%	-13.3%

SEC Filings

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Report Date	Filing Date	Filing
12/31/2025	02/25/2026	10-K
09/30/2025	11/05/2025	10-Q
06/30/2025	08/06/2025	10-Q
03/31/2025	05/07/2025	10-Q
12/31/2024	02/27/2025	10-K
09/30/2024	11/06/2024	10-Q
06/30/2024	08/08/2024	10-Q
03/31/2024	05/07/2024	10-Q
12/31/2023	02/28/2024	10-K
09/30/2023	11/07/2023	10-Q
06/30/2023	08/02/2023	10-Q
03/31/2023	05/03/2023	10-Q
12/31/2022	02/22/2023	10-K
09/30/2022	11/02/2022	10-Q
06/30/2022	08/03/2022	10-Q
03/31/2022	05/04/2022	10-Q

Recent Forward Guidance [BETA]

Latest: Q1 2026 Earnings Reported 4/22/2026

Forward Guidance				Guidance Change
Metric	Low	Mid	High	% Chg	% Delta	Change	Prior
Q4 2026 ROAA run rate target		0.01		0		Affirmed	Guidance: 0.01 for Q4 2026

Prior: Q4 2025 Earnings Reported 1/28/2026

Forward Guidance				Guidance Change
Metric	Low	Mid	High	% Chg	% Delta	Change	Prior
Q4 2026 ROAA run rate		0.01		15.0%	0.2%	Raised	Guidance: 0.01 for Q4 2025

Insider Activity

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#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Jones, Cecil W		Direct	Buy	11042025	34.71	8,500	295,035	441,129	Form
2	Luffey, Gary E		Direct	Buy	10292025	34.78	500	17,390	5,586,378	Form
3	Hall, Martin Lance	OBK COO, Origin Bank Pres&CEO	Direct	Buy	10292025	34.50	1,500	51,750	1,035,380	Form
4	Wallace, Willliam J IV	Chief Financial Officer	Direct	Buy	10292025	34.95	2,250	78,638	517,679	Form
5	Brolly, Stephen H	Chief Accounting Officer	Direct	Buy	10292025	34.94	700	24,458	780,001	Form

OBK Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE

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INVESTMENT THESIS

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Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

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Diversification Alternatives

How Is The Market Pricing OBK?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What OBK Makes & Who Pays

TTM figures based on

OBK Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Origin Bancorp (OBK)

Market Price (5/2/2026): $47.315 | Market Cap: $1.5 BilSector: Financials | Industry: Regional Banks

Origin Bancorp (OBK)

Market Price (5/2/2026): $47.315Market Cap: $1.5 BilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

In The Past

Preserve Wealth

Asset Allocation

About Origin Bancorp (OBK)

Key Risks to Origin Bancorp (OBK)

Commercial Banking

Retail Banking

Commercial Real Estate Lending

Residential Real Estate Lending

Property & Casualty Insurance

Expected Drivers of Future Revenue Growth for Origin Bancorp (OBK)

Share Repurchases

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Inbound Investments

Outbound Investments

Capital Expenditures

Interactive Breakdown

Better Bets vs. Origin Bancorp (OBK)

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FDA Approved Drugs Data

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Based On 1-Year Data

Based On 5-Year Data

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Insider Activity

OBK Trade Sentinel

Market Price (5/2/2026): $47.315 | Market Cap: $1.5 Bil
Sector: Financials | Industry: Regional Banks

Market Price (5/2/2026): $47.315
Market Cap: $1.5 Bil
Sector: Financials
Industry: Regional Banks