Tearsheet
OBK Home Investment Highlights Valuation & Metrics Price Chart Why The Stock Moved Return vs. Risk About OBK Interactive Breakdown Better Bets vs. OBK Latest Trefis Analyses Trade Ideas More From Trefis Peer Comparisons FDIC Bank Data FDA Approved Drugs Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Forward Guidance Insider Activity Trade Sentinel Investor Videos Industry Resource Links External Quote Links

Origin Bancorp (OBK)

Market Price (6/19/2026): $49.36 | Market Cap: $1.5 BilSector: Financials | Industry: Regional Banks

Origin Bancorp (OBK)

Market Price (6/19/2026): $49.36
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.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.6%, FCF Yield is 11%

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 -95%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41%

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 -1.6%, Dist 3Y High is -1.6%

Weak multi-year price returns
3Y Excs Rtn is -7.5%

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 5.6%, FCF Yield is 11%
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 -95%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41%
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 -1.6%, Dist 3Y High is -1.6%
6 Weak multi-year price returns
3Y Excs Rtn is -7.5%
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.

OBK in ETFs

Weight = OBK's share of each fund

VTI0.00%
ITOT0.00%
IWM0.04%
KRE0.30%
AVUV0.09%
IWN0.09%
VTWO0.04%
DFAS0.03%
+5 more covered ETFs

Valuation & Metrics

FYE: 12/31OBK [1]S&P 500 [2]
REVENUE GROWTH
LTM Revenue [3]$398.5 Mil—
FY 2026 Sales$434.0 Mil—
FY 2027 Sales$460.9 Mil—
FY 2026 Sales Growth8.9%—
FY 2027 Sales Growth6.2%7.7%
EARNINGS
LTM Net Income (GAAP) [3]$80.5 Mil—
FY 2026 Net Income (Non-GAAP)$122.9 Mil—
FY 2027 Net Income (Non-GAAP)$131.4 Mil—
FY 2027 Net Income Growth6.9%15.0%
FY 2026 EPS (Non-GAAP)$3.95—
FY 2027 EPS (Non-GAAP)$4.25—
FY 2027 EPS Growth7.6%—
VALUATION
FY 2026 P/S3.53.2
FY 2027 P/S3.3—
FY 2026 P/E12.420.5
FY 2027 P/E11.6—

[1] OBK forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
[2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 6/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
[3] LTM = reported trailing-twelve-month actuals (GAAP).
OBKS&P 500
REVENUE GROWTHFAIR
Rev LTM ($ Bil)0.4
Rev Chg Q10.0%8.8%
Rev Chg LTM11.4%7.4%
Rev Chg 3Y Avg4.4%5.8%
PROFITABILITYGOOD
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.2
Net Inc LTM ($ Bil)0.1
CFO/Rev LTM44.2%21.3%
Net Inc Mgn20.2%13.0%
VALUATIONMODERATE
P/S3.83.2
P/CFO8.714.9
P/FCF9.319.1
P/E19.024.0

AI Analysis | Feedback

MetricValueDateSource
Number of Banking Centers5610212025Link
Number of Employees1,0109102025Link
Total Community Volunteer HoursMore than 25,00011072025Link

Price Chart

Upcoming
7/22/2026Earnings ReleaseRev: $108 Mil (E)
EPS: $1.01 (E)

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/10/2026

Origin Bancorp (OBK) stock has gained about 20% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Performance and Increased Dividend.

Origin Bancorp reported robust results for fiscal Q1 2026 (period ending March 31, 2026), with earnings released on April 22, 2026. The company posted an earnings per share (EPS) of $0.89, meeting analyst expectations. Net interest income reached a record $87.2 million. Concurrently, Origin Bancorp announced a significant increase in its quarterly cash dividend, raising it by 67% from $0.15 to $0.25 per share on April 22, 2026, signaling strong capital health and management confidence in ongoing earnings.

2. Positive Analyst Sentiment and Upgraded Price Targets.

During the period, Wall Street analysts maintained a highly positive outlook for OBK, with a consensus rating of "Strong Buy" from three analysts. Analyst firms such as Stephens & Co., Keefe, Bruyette & Woods, and DA Davidson issued "Buy" or "Overweight" ratings and increased their price targets. For instance, as of May 30, 2026, the median price target from eight analysts was $52.00, implying a 9.1% upside from the then-current price of $47.66, with the highest target reaching $54.00.

Show more
Updated on 6/10/2026

Origin Bancorp (OBK) stock has gained about 20% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Performance and Increased Dividend.

Origin Bancorp reported robust results for fiscal Q1 2026 (period ending March 31, 2026), with earnings released on April 22, 2026. The company posted an earnings per share (EPS) of $0.89, meeting analyst expectations. Net interest income reached a record $87.2 million. Concurrently, Origin Bancorp announced a significant increase in its quarterly cash dividend, raising it by 67% from $0.15 to $0.25 per share on April 22, 2026, signaling strong capital health and management confidence in ongoing earnings.

2. Positive Analyst Sentiment and Upgraded Price Targets.

During the period, Wall Street analysts maintained a highly positive outlook for OBK, with a consensus rating of "Strong Buy" from three analysts. Analyst firms such as Stephens & Co., Keefe, Bruyette & Woods, and DA Davidson issued "Buy" or "Overweight" ratings and increased their price targets. For instance, as of May 30, 2026, the median price target from eight analysts was $52.00, implying a 9.1% upside from the then-current price of $47.66, with the highest target reaching $54.00.

3. Favorable Macroeconomic Environment for Regional Banks.

The broader regional banking sector experienced a constructive environment since early 2026, contributing to OBK's gains. The S&P Regional Banks Index recorded an 8.45% total return year-to-date through May 1, 2026. This performance was supported by buoyant profit expectations, largely driven by stable Federal Reserve policy rates, with investors anticipating no further rate cuts in 2026 as of May 1, 2026. This stable rate environment has bolstered net interest margins for community banks, which saw an increase to 3.65% in 2025 from 3.34% in 2024.

4. Strategic Share Repurchase Program.

Origin Bancorp actively enhanced shareholder value through a share repurchase program. In fiscal Q1 2026, the company repurchased 165,500 shares at an average price of $41.27. This capital allocation strategy, alongside the dividend increase, demonstrates management's commitment to returning value to shareholders and reflects confidence in the company's valuation.

Show less
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →

Stock Movement Drivers

Fundamental Drivers

The 19.3% change in OBK stock from 2/28/2026 to 6/18/2026 was primarily driven by a 11.4% change in the company's P/E Multiple.
(LTM values as of)22820266182026Change
Stock Price ($)41.3849.3619.3%
Change Contribution By: 
Total Revenues ($ Mil)3893982.4%
Net Income Margin (%)19.3%20.2%4.5%
P/E Multiple17.019.011.4%
Shares Outstanding (Mil)31310.1%
Cumulative Contribution19.3%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/18/2026
ReturnCorrelation
OBK19.3% 
Market (SPY)9.2%40.3%
Sector (XLF)4.7%56.4%

Fundamental Drivers

The 36.8% change in OBK stock from 11/30/2025 to 6/18/2026 was primarily driven by a 23.2% change in the company's Net Income Margin (%).
(LTM values as of)113020256182026Change
Stock Price ($)36.0749.3636.8%
Change Contribution By: 
Total Revenues ($ Mil)3663988.9%
Net Income Margin (%)16.4%20.2%23.2%
P/E Multiple18.819.01.2%
Shares Outstanding (Mil)31310.8%
Cumulative Contribution36.8%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/18/2026
ReturnCorrelation
OBK36.8% 
Market (SPY)9.9%36.1%
Sector (XLF)1.3%59.5%

Fundamental Drivers

The 47.3% change in OBK stock from 5/31/2025 to 6/18/2026 was primarily driven by a 38.4% change in the company's P/E Multiple.
(LTM values as of)53120256182026Change
Stock Price ($)33.5149.3647.3%
Change Contribution By: 
Total Revenues ($ Mil)35839811.4%
Net Income Margin (%)21.3%20.2%-5.3%
P/E Multiple13.719.038.4%
Shares Outstanding (Mil)31310.9%
Cumulative Contribution47.3%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/18/2026
ReturnCorrelation
OBK47.3% 
Market (SPY)28.1%39.0%
Sector (XLF)6.7%56.3%

Fundamental Drivers

The 83.1% change in OBK stock from 5/31/2023 to 6/18/2026 was primarily driven by a 109.1% change in the company's P/E Multiple.
(LTM values as of)53120236182026Change
Stock Price ($)26.9649.3683.1%
Change Contribution By: 
Total Revenues ($ Mil)35139813.5%
Net Income Margin (%)26.0%20.2%-22.4%
P/E Multiple9.119.0109.1%
Shares Outstanding (Mil)3131-0.6%
Cumulative Contribution83.1%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/18/2026
ReturnCorrelation
OBK83.1% 
Market (SPY)85.7%45.9%
Sector (XLF)77.0%61.8%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
OBK Return56%-13%-1%-5%15%31%92%
Peers Return27%1%1%19%6%8%78%
S&P 500 Return27%-19%24%23%16%8%98%

Monthly Win Rates [3]
OBK Win Rate75%33%58%42%75%67% 
Peers Win Rate67%50%52%55%55%57% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
OBK Max Drawdown-15%-23%-34%-21%-28%-12% 
Peers Max Drawdown-24%-23%-34%-16%-24%-15% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

[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 6/18/2026 (YTD)

How Low Can It Go

EventOBKS&P 500
2025 US Tariff Shock
  % Loss-25.5%-18.8%
  % Gain to Breakeven34.3%23.1%
  Time to Breakeven245 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-16.5%-9.5%
  % Gain to Breakeven19.8%10.5%
  Time to Breakeven9 days24 days
2023 SVB Regional Banking Crisis
  % Loss-32.6%-6.7%
  % Gain to Breakeven48.4%7.1%
  Time to Breakeven624 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-14.0%-24.5%
  % Gain to Breakeven16.3%32.4%
  Time to Breakeven81 days427 days
2020 COVID-19 Crash
  % Loss-47.3%-33.7%
  % Gain to Breakeven89.8%50.9%
  Time to Breakeven314 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-17.4%-19.2%
  % Gain to Breakeven21.1%23.8%
  Time to Breakeven805 days105 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.

EventOBKS&P 500
2025 US Tariff Shock
  % Loss-25.5%-18.8%
  % Gain to Breakeven34.3%23.1%
  Time to Breakeven245 days79 days
2023 SVB Regional Banking Crisis
  % Loss-32.6%-6.7%
  % Gain to Breakeven48.4%7.1%
  Time to Breakeven624 days31 days
2020 COVID-19 Crash
  % Loss-47.3%-33.7%
  % Gain to Breakeven89.8%50.9%
  Time to Breakeven314 days140 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)

```html

Origin Bancorp, Inc. (OBK) operates as a bank holding company for Origin Bank, delivering a comprehensive suite of banking and financial services. The company primarily caters to small and medium-sized businesses, municipalities, high net worth individuals, and retail clients across Texas, Louisiana, and Mississippi through its network of banking centers.

Its main products and services include a variety of deposit accounts, such as checking, savings, money market, and time deposits. On the lending side, Origin Bank offers commercial real estate, construction and land development, residential real estate, commercial and industrial, and consumer loans. The company also provides mortgage origination and servicing facilities, and property and casualty insurance products.

Beyond traditional banking, Origin Bancorp extends its offerings to include modern financial solutions like internet and mobile banking, cash management, treasury management, and peer-to-peer electronic pay solutions. These services are designed to meet the diverse financial needs of its target customer segments within its established regional markets.

```

AI Analysis | Feedback

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

AI Analysis | Feedback

  • 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)

AI Analysis | Feedback

null

AI Analysis | Feedback

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.

AI Analysis | Feedback

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

Key Risks to Origin Bancorp (OBK)

  1. 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.
  2. 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.
  3. 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.

AI Analysis | Feedback

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.

AI Analysis | Feedback

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. "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.

AI Analysis | Feedback

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.

Latest Trefis Analyses

Title
0ARTICLES

Recent Active Movers

Top Gainers

TickerCompanyMkt Cap (B)1W RtnYTD Rtn
QUREuniQure2.972.6%93.4%
BFLYButterfly Network2.356.7%134.2%
WDCWestern Digital255.241.0%333.5%
FRMIFermi6.036.7%18.8%
FCELFuelCell Energy1.235.9%228.9%
EQPTEquipmentShare.com5.535.1%-19.2%
BEBloom Energy92.732.2%278.5%
SHAZSharonAI1.329.6%0.2%
CIFRCipher Digital11.828.9%97.7%
RXTRackspace Technology1.828.9%643.6%

Top Losers

TickerCompanyMkt Cap (B)1W RtnYTD Rtn
LILAKLiberty Latin America1.0-39.5%-35.8%
LILALiberty Latin America1.0-39.2%-35.0%
LUNRIntuitive Machines2.7-25.4%40.8%
ACNAccenture79.0-23.6%-51.6%
FOXAFox22.1-23.5%-28.2%
FOXFox19.9-23.5%-27.3%
WTIW&T Offshore0.5-21.9%98.0%
MHMcGraw Hill1.8-21.7%-41.3%
PRCTPROCEPT BioRobotics1.2-21.6%-31.0%
VOYGVoyager Technologies2.2-21.5%43.7%

Top Gainers

TickerCompanyMkt Cap (B)1M RtnYTD Rtn
NVRIEnviri1.8314.1%343.2%
BFLYButterfly Network2.3117.1%134.2%
REPLReplimune0.9116.8%4.8%
AMCAMC Entertainment1.5108.1%81.4%
APPSDigital Turbine1.0106.5%72.2%
HYLNHyliion1.498.0%340.2%
QUREuniQure2.987.5%93.4%
UMACUnusual Machines0.982.9%96.1%
TWSTTwist Bioscience5.476.9%176.0%
SHAZSharonAI1.376.6%0.2%

Top Losers

TickerCompanyMkt Cap (B)1M RtnYTD Rtn
VRRMVerra Mobility0.7-66.6%-80.2%
ADCTADC Therapeutics0.2-65.3%-69.1%
CDChaince Digital0.4-49.8%-3.1%
LILAKLiberty Latin America1.0-38.4%-35.8%
SATLSatellogic0.8-37.6%222.5%
FULCFulcrum Therapeutics0.3-37.4%-67.3%
LILALiberty Latin America1.0-37.1%-35.0%
BKSYBlackSky Technology1.0-35.8%54.6%
TMCRMetals Royalty0.5-35.8%-40.4%
SOCSable Offshore1.5-33.6%12.2%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons

Peers to compare with:

Financials

OBKCFRPBTCBIHWCHOMBMedian
NameOrigin B.Cullen/F.Prosperi.Texas Ca.Hancock .Home Ban. 
Mkt Price49.36145.6671.1999.0770.2427.6570.72
Mkt Cap1.59.27.14.45.75.45.6
Rev LTM3982,2701,2551,2991,4371,0841,277
Op Inc LTM-------
FCF LTM164663524435531406480
FCF 3Y Avg121462530396546393429
CFO LTM176807556447552433500
CFO 3Y Avg141604558428564424493

Growth & Margins

OBKCFRPBTCBIHWCHOMBMedian
NameOrigin B.Cullen/F.Prosperi.Texas Ca.Hancock .Home Ban. 
Rev Chg LTM11.4%8.0%6.9%35.8%-0.9%6.8%7.4%
Rev Chg 3Y Avg4.4%7.0%4.1%9.1%0.3%2.7%4.3%
Rev Chg Q10.0%6.4%18.4%15.5%-19.9%2.4%8.2%
QoQ Delta Rev Chg LTM2.4%1.5%4.5%3.5%-4.8%0.6%2.0%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM44.2%35.6%44.3%34.4%38.4%39.9%39.2%
CFO/Rev 3Y Avg38.0%28.5%48.5%39.1%39.9%41.4%39.5%
FCF/Rev LTM41.2%29.2%41.7%33.5%37.0%37.5%37.2%
FCF/Rev 3Y Avg32.6%21.8%46.0%36.0%38.7%38.4%37.2%

Valuation

OBKCFRPBTCBIHWCHOMBMedian
NameOrigin B.Cullen/F.Prosperi.Texas Ca.Hancock .Home Ban. 
Mkt Cap1.59.27.14.45.75.45.6
P/S3.84.05.73.44.05.04.0
P/Op Inc-------
P/EBIT-------
P/E19.013.713.412.213.911.413.6
P/CFO8.711.412.89.810.412.510.9
Total Yield5.6%10.1%10.6%8.2%8.6%11.8%9.4%
Dividend Yield0.3%2.8%3.2%0.0%1.4%3.0%2.1%
FCF Yield 3Y Avg10.8%5.9%8.1%11.5%12.1%7.5%9.5%
D/E0.00.00.30.20.30.10.2
Net D/E-0.9-0.90.1-0.50.1-0.5-0.5

Returns

OBKCFRPBTCBIHWCHOMBMedian
NameOrigin B.Cullen/F.Prosperi.Texas Ca.Hancock .Home Ban. 
1M Rtn7.8%6.2%5.7%2.5%8.3%5.9%6.0%
3M Rtn22.4%12.1%11.7%8.1%15.5%6.7%11.9%
6M Rtn25.2%14.8%1.5%6.9%8.2%-2.2%7.6%
12M Rtn44.8%21.5%8.8%31.1%34.9%3.3%26.3%
3Y Rtn67.5%42.3%32.9%85.7%91.3%29.0%54.9%
1M Excs Rtn5.8%4.2%3.7%0.5%6.3%3.9%4.0%
3M Excs Rtn8.9%-1.5%-1.8%-5.4%2.0%-6.8%-1.7%
6M Excs Rtn16.9%4.6%-9.0%-5.5%-1.9%-12.5%-3.7%
12M Excs Rtn22.1%-3.0%-15.8%7.2%10.6%-21.6%2.1%
3Y Excs Rtn-7.5%-28.6%-39.6%7.5%10.8%-45.2%-18.0%

Comparison Analyses

null

FDIC Bank Data

Bank Assets

FDIC Data As Of3312026
ASSETS 
Cash Balance ($ Bil)1
Securities ($ Bil)1
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)8
SECURITIES DETAILS 
US Govt Securities ($ Bil)1
Equity Securities Not Held for Trading ($ Bil)0
Total Debt Securities ($ Bil)1
Mortgage-Backed Securities ($ Bil)1
SECURITIES VALUATION 
Securities Held to Maturity (Book Value) ($ Bil)0
Securities Available for Sale (Fair Market) ($ Bil)1

Bank Loans

FDIC Data As Of3312026
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

Financials

$ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
Filing Date5/6/20262/25/202611/5/20258/6/20255/7/20252/27/202511/6/20248/8/20245/7/20242/28/202411/7/20238/2/2023
Key Financials Quarterly            
Total Revenue105101108859578909590809190
Net Income28309152214192123132422
EPS0.890.950.280.470.720.460.600.680.730.430.790.71
Key Financials TTM            
Total Revenue TTM398389366347358352354355350352369369
Net Income TTM8075607076767681828410092
Growth Rates Quarterly            
Total Revenue Growth10.0%29.8%20.8%-11.0%6.3%-2.6%-1.5%6.2%-2.7%-17.5%0.5%24.7%
Net Income Growth23.6%106.8%-53.6%-30.2%-1.0%6.3%-23.5%-3.5%-6.9%-54.5%49.7%2.1%
Margins Quarterly            
Net Income Margin26.5%29.3%8.0%17.3%23.6%18.4%20.7%22.0%25.3%16.8%26.7%24.3%
Cash & Debt            
Total Cash1,4801,1961,3831,1091,3061,5731,4821,4481,4821,5341,5962,002
Total Debt29229621196166186196167271203533
Net Debt / (Cash)-1,451-1,174-1,287-899-1,210-1,407-1,296-1,252-1,315-1,263-1,393-1,468
Cash Flows Quarterly            
FCF from Operations534359213630401227292548
Cash Flows TTM            
FCF from Operations TTM17615914512611710810894129130152166
Returns to Shareholders Quarterly            
Dividends555555555555
Share Repurchases72104-0-0-0-0-0-0-0-0
Return on Invested Capital (ROIC) Quarterly            
ROIC------------
Return on Invested Capital (ROIC) TTM            
ROIC TTM------------

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Community banking389352353327261
Total389352353327261


Price Behavior

Price Behavior
Market Price$49.36 
Market Cap ($ Bil)1.5 
First Trading Date05/09/2018 
Distance from 52W High-1.6% 
   50 Days200 Days
DMA Price$46.85$40.30
DMA Trendupup
Distance from DMA5.4%22.5%
 3M1YR
Volatility23.3%25.8%
Downside Capture48.2060.26
Upside Capture95.3086.79
Correlation (SPY)36.5%37.8%
OBK Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta1.380.930.760.760.900.93
Up Beta1.700.920.700.861.040.87
Down Beta1.050.600.610.741.051.06
Up Capture98%97%94%97%83%76%
Bmk +ve Days13283667141432
Stock +ve Days12253771136376
Down Capture191%101%70%48%73%97%
Bmk -ve Days7132757109318
Stock -ve Days8162651111369

[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
OBK47.7%25.8%1.47-
Sector ETF (XLF)8.3%14.6%0.3355.7%
Equity (SPY)26.5%12.4%1.6137.8%
Gold (GLD)24.2%27.5%0.77-1.3%
Commodities (DBC)19.8%18.8%0.83-15.6%
Real Estate (VNQ)11.0%13.7%0.5236.5%
Bitcoin (BTCUSD)-38.3%42.4%-1.0216.1%

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
OBK3.9%29.4%0.15-
Sector ETF (XLF)9.3%18.6%0.3761.3%
Equity (SPY)13.5%17.1%0.6247.2%
Gold (GLD)17.1%18.3%0.76-1.2%
Commodities (DBC)7.5%19.4%0.297.2%
Real Estate (VNQ)1.9%18.9%0.0046.1%
Bitcoin (BTCUSD)11.6%54.2%0.4116.7%

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
OBK4.0%34.9%0.23-
Sector ETF (XLF)13.0%22.2%0.5462.1%
Equity (SPY)15.3%18.0%0.7346.4%
Gold (GLD)12.3%16.1%0.63-3.9%
Commodities (DBC)5.9%18.0%0.2617.1%
Real Estate (VNQ)5.3%20.7%0.2247.1%
Bitcoin (BTCUSD)60.4%66.8%1.0015.6%

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

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.5 Mil
Short Interest: % Change Since 5152026-3.2%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest4.1 days
Basic Shares Quantity30.9 Mil
Short % of Basic Shares1.7%

Returns Analyses

Earnings Returns History

Updated 6/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/22/20264.0%4.7%6.8%
1/28/20264.5%10.9%2.5%
10/22/2025-3.7%0.5%0.2%
7/23/2025-0.5%-1.6%-1.1%
4/23/20250.3%0.9%4.8%
1/22/20254.8%8.6%8.8%
10/23/2024-2.4%0.3%7.1%
7/24/2024-4.8%-5.5%-13.3%
...
SUMMARY STATS   
# Positive131516
# Negative1198
Median Positive3.3%4.7%6.9%
Median Negative-2.4%-2.5%-3.4%
Max Positive6.4%15.5%22.4%
Max Negative-5.3%-12.0%-13.3%
 Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/22/20264.0%4.7%6.8%
1/28/20264.5%10.9%2.5%
10/22/2025-3.7%0.5%0.2%
7/23/2025-0.5%-1.6%-1.1%
4/23/20250.3%0.9%4.8%
1/22/20254.8%8.6%8.8%
10/23/2024-2.4%0.3%7.1%
7/24/2024-4.8%-5.5%-13.3%
4/24/20243.3%3.1%5.3%
1/24/2024-5.3%-8.7%-11.2%
10/25/20236.3%9.6%22.4%
7/26/2023-2.9%-3.4%-9.2%
4/26/2023-4.3%-12.0%-3.6%
1/25/20230.5%-0.9%-0.9%
10/26/2022-1.5%0.3%4.0%
7/27/20221.6%2.7%2.4%
4/27/2022-0.7%-1.3%-3.1%
1/26/2022-1.3%2.5%7.5%
10/27/20211.5%7.4%0.8%
7/28/20210.4%-2.5%-2.6%
4/28/20213.7%9.1%8.2%
1/27/20213.0%10.6%18.5%
10/28/2020-0.3%-0.8%18.6%
7/22/20206.4%15.5%12.8%
SUMMARY STATS   
# Positive131516
# Negative1198
Median Positive3.3%4.7%6.9%
Median Negative-2.4%-2.5%-3.4%
Max Positive6.4%15.5%22.4%
Max Negative-5.3%-12.0%-13.3%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/06/202610-Q
12/31/202502/25/202610-K
09/30/202511/05/202510-Q
06/30/202508/06/202510-Q
03/31/202505/07/202510-Q
12/31/202402/27/202510-K
09/30/202411/06/202410-Q
06/30/202408/08/202410-Q
03/31/202405/07/202410-Q
12/31/202302/28/202410-K
09/30/202311/07/202310-Q
06/30/202308/02/202310-Q
03/31/202305/03/202310-Q
12/31/202202/22/202310-K
09/30/202211/02/202210-Q
06/30/202208/03/202210-Q
 Collapse to Preview
Report DateFiling DateFiling
03/31/202605/06/202610-Q
12/31/202502/25/202610-K
09/30/202511/05/202510-Q
06/30/202508/06/202510-Q
03/31/202505/07/202510-Q
12/31/202402/27/202510-K
09/30/202411/06/202410-Q
06/30/202408/08/202410-Q
03/31/202405/07/202410-Q
12/31/202302/28/202410-K
09/30/202311/07/202310-Q
06/30/202308/02/202310-Q
03/31/202305/03/202310-Q
12/31/202202/22/202310-K
09/30/202211/02/202210-Q
06/30/202208/03/202210-Q
03/31/202205/04/202210-Q
12/31/202102/23/202210-K
09/30/202111/04/202110-Q
06/30/202108/04/202110-Q
03/31/202105/05/202110-Q
12/31/202003/02/202110-K
09/30/202011/04/202010-Q
06/30/202008/10/202010-Q
03/31/202005/06/202010-Q
12/31/201902/28/202010-K
09/30/201911/06/201910-Q
06/30/201908/07/201910-Q

Recent Forward Guidance

Updated 6/1/2026

Latest: Q1 2026 Earnings Reported 4/22/2026

Forward GuidanceGuidance Change
MetricLowMidHigh% Chg% DeltaChangePrior
Q4 2026 ROAA run rate target 0.01 0 AffirmedGuidance: 0.01 for Q4 2026

Prior: Q4 2025 Earnings Reported 1/28/2026

Forward GuidanceGuidance Change
MetricLowMidHigh% Chg% DeltaChangePrior
Q4 2026 ROAA run rate 0.01 15.0%0.2%RaisedGuidance: 0.01 for Q4 2025

Insider Activity

Updated 6/18/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Jones, Cecil W DirectBuy1104202534.718,500295,035441,129Form
2Luffey, Gary E DirectBuy1029202534.7850017,3905,586,378Form
3Hall, Martin LanceOBK COO, Origin Bank Pres&CEODirectBuy1029202534.501,50051,7501,035,380Form
4Wallace, Willliam J IVChief Financial OfficerDirectBuy1029202534.952,25078,638517,679Form
5Brolly, Stephen HChief Accounting OfficerDirectBuy1029202534.9470024,458780,001Form
 Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Jones, Cecil W DirectBuy1104202534.718,500295,035441,129Form
2Luffey, Gary E DirectBuy1029202534.7850017,3905,586,378Form
3Hall, Martin LanceOBK COO, Origin Bank Pres&CEODirectBuy1029202534.501,50051,7501,035,380Form
4Wallace, Willliam J IVChief Financial OfficerDirectBuy1029202534.952,25078,638517,679Form
5Brolly, Stephen HChief Accounting OfficerDirectBuy1029202534.9470024,458780,001Form
6Wallace, Willliam J IVChief Financial OfficerDirectBuy1029202534.802,25078,300437,158Form
7D'Agostino, James Samuel JR DirectBuy1029202533.931,00033,9301,625,824Form
8Mills, DrakeChairman, President and CEOIRABuy1029202534.0240013,608131,521Form
9Mills, DrakeChairman, President and CEODirectBuy1029202534.0880027,2645,065,447Form
10Brolly, Stephen HChief Accounting OfficerDirectBuy1029202534.1130010,233737,626Form
11Crotwell, JimChief Risk OfficerIRABuy1029202534.323,000102,960839,982Form
12Moore, PrestonChief Credit & Banking OfficerIRABuy1029202534.251,00034,25085,625Form
13Moore, PrestonChief Credit & Banking OfficerDirectBuy1029202534.276,500222,7551,880,806Form
14McGee, DerekChief Legal CounselDirectBuy1029202534.012368,026555,723Form
15McGee, DerekChief Legal CounselIRABuy1029202534.2573225,07150,245Form

Industry Resources

External Quote Links


Prefer one of these to Trefis? Tell us why.
Core Cache Last Updated: 6/18/2026