Origin Bancorp, Inc. logo

Origin Bancorp, Inc.

OBK

NYSEFinancial ServicesBanks - Regional

Previous close

$52.89

+$0.13 · +0.25%

Aug 21, 4:00 PM ET

Pre-market

$52.68

−$0.21 · -0.40%

Aug 24, 5:58 AM ET

OBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

56

Fair Value

Momentum

54

Neutral

Sentiment

59

Mixed

Risk resilience

78

Moderate Risk

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Company profile

Company website

Origin Bancorp, Inc. acts as the parent organization for Origin Bank, delivering a comprehensive range of banking and financial services. Its diverse clientele includes small to mid-sized businesses, municipal entities, and individual consumers across its operating regions of Texas, Louisiana, and Mississippi. The bank's offerings encompass various deposit accounts, such as interest-bearing and non-interest-bearing checking accounts, savings deposits, money market accounts, and time deposits. On the lending side, Origin Bank provides a broad spectrum of loan products, including commercial and residential real estate, construction and land development, consumer, commercial and industrial, mortgage warehouse, residential mortgage, and Paycheck Protection Program (PPP) loans. Beyond core banking, the company also offers personal and commercial property and casualty insurance products. Customers benefit from an extensive suite of digital and convenience services, such as internet banking, voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automated account transfer services. Additionally, advanced services like treasury management, mortgage origination and servicing, peer-to-peer electronic payment solutions, and personal financial management tools are available. Established in 1912, the firm's corporate headquarters are located in Ruston, Louisiana.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Drake D. Mills
Listed since
May 8, 2018
Employees
988

Market position

Day range

Current $52.89

52-week range

Current $52.89

Open
$53.37
Previous close
$52.76
Volume
160.93K
0.96× average
Average volume
167.61K
Average daily volume
Market cap
1.63B USD
Beta
0.71
Market reference 1
50-day average
$52.2836
+1.16% above average
200-day average
$44.4612
+18.96% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.12B USD
P/E (TTM)
16.37×
P/B (TTM)
1.27×
P/S (TTM)
2.67×
EV / EBITDA
9.87×
Earnings yield
6.50%
Free cash flow yield
13.06%
Dividend yield
1.51%

Profitability & efficiency

Gross margin
62.41%
Operating margin
21.26%
Net margin
16.31%
Return on equity
6.03%
Return on assets
0.77%
Return on invested capital
-4.89%

Financial health

Debt / equity
0.11×
Current ratio
0.05×
Altman Z-score
-0.72
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%70%37%4%Gross margin, FY2021: 94.96%Gross margin, FY2022: 79.88%Gross margin, FY2023: 58.28%Gross margin, FY2024: 55.96%Gross margin, FY2025: 58.22%Operating margin, FY2021: 45.59%Operating margin, FY2022: 28.44%Operating margin, FY2023: 18.37%Operating margin, FY2024: 15.77%Operating margin, FY2025: 16.50%Net margin, FY2021: 37.37%Net margin, FY2022: 23.22%Net margin, FY2023: 14.53%Net margin, FY2024: 12.40%Net margin, FY2025: 12.56%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.96%. Gross margin FY2022 79.88%. Gross margin FY2023 58.28%. Gross margin FY2024 55.96%. Gross margin FY2025 58.22%. Operating margin FY2021 45.59%. Operating margin FY2022 28.44%. Operating margin FY2023 18.37%. Operating margin FY2024 15.77%. Operating margin FY2025 16.50%. Net margin FY2021 37.37%. Net margin FY2022 23.22%. Net margin FY2023 14.53%. Net margin FY2024 12.40%. Net margin FY2025 12.56%.

Income trends

Revenue

598.6M USD-2.95%

Operating income

98.8M USD+1.58%

Net income

75.2M USD-1.69%
Income trends across reported periods670.96M USD454.32M USD237.68M USD21.04M USDRevenue, FY2021: 290.46M USDRevenue, FY2022: 377.78M USDRevenue, FY2023: 576.69M USDRevenue, FY2024: 616.8M USDRevenue, FY2025: 598.6M USDOperating income, FY2021: 132.43M USDOperating income, FY2022: 107.44M USDOperating income, FY2023: 105.92M USDOperating income, FY2024: 97.26M USDOperating income, FY2025: 98.8M USDNet income, FY2021: 108.55M USDNet income, FY2022: 87.72M USDNet income, FY2023: 83.8M USDNet income, FY2024: 76.49M USDNet income, FY2025: 75.2M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 290.46M USD. Revenue FY2022 377.78M USD. Revenue FY2023 576.69M USD. Revenue FY2024 616.8M USD. Revenue FY2025 598.6M USD. Operating income FY2021 132.43M USD. Operating income FY2022 107.44M USD. Operating income FY2023 105.92M USD. Operating income FY2024 97.26M USD. Operating income FY2025 98.8M USD. Net income FY2021 108.55M USD. Net income FY2022 87.72M USD. Net income FY2023 83.8M USD. Net income FY2024 76.49M USD. Net income FY2025 75.2M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue598.6M USD616.8M USD576.69M USD377.78M USD290.46M USD
Cost of goods sold250.1M USD271.67M USD240.59M USD76.02M USD14.64M USD
Gross profit348.51M USD345.13M USD336.1M USD301.76M USD275.82M USD
Selling, general, and administrative156.45M USD154.97M USD144.81M USD123.4M USD96.46M USD
Operating expenses249.71M USD247.87M USD230.18M USD194.32M USD143.39M USD
Interest income537.96M USD564.59M USD523.39M USD326.6M USD241.66M USD
Interest expense206.97M USD264.22M USD223.83M USD51.33M USD25.4M USD
Depreciation and amortization14.6M USD16.8M USD17.63M USD12.31M USD6.83M USD
Operating income98.8M USD97.26M USD105.92M USD107.44M USD132.43M USD
Net income75.2M USD76.49M USD83.8M USD87.72M USD108.55M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
-9.77%
11 comparable reports
Latest EPS result
1.09
Estimate 1 · Beat by 9.44%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.160.850.540.23Q1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 0.46, estimate 0.52, surprise -11.54%, Miss. Q2 2025, reported Apr 23, 2025: actual 0.71, estimate 0.68, surprise +4.41%, Beat. Q3 2025, reported Jul 23, 2025: actual 0.47, estimate 0.78, surprise -39.74%, Miss. Q4 2025, reported Oct 22, 2025: actual 0.27, estimate 0.89, surprise -69.66%, Miss. Q1 2026, reported Jan 28, 2026: actual 0.95, estimate 0.88, surprise +7.95%, Beat. Q2 2026, reported Apr 22, 2026: actual 0.89, estimate 0.9, surprise -1.11%, Miss. Q3 2026, reported Jul 22, 2026: actual 1.09, estimate 0.996, surprise +9.44%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 1.07, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates116.09M101.77M87.45M73.12MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 77.59M USD, estimate 89.46M USD, surprise -13.27%, Miss. Q2 2025, reported Apr 23, 2025: actual 95.15M USD, estimate 96.37M USD, surprise -1.26%, Miss. Q3 2025, reported Jul 23, 2025: actual 84.74M USD, estimate 98.41M USD, surprise -13.89%, Miss. Q4 2025, reported Oct 22, 2025: actual 108.3M USD, estimate 100.06M USD, surprise +8.24%, Beat. Q1 2026, reported Jan 28, 2026: actual 103.43M USD, estimate 100.24M USD, surprise +3.19%, Beat. Q2 2026, reported Apr 22, 2026: actual 104.04M USD, estimate 103.99M USD, surprise +0.05%, Beat. Q3 2026, reported Jul 22, 2026: actual 107.59M USD, estimate 107.96M USD, surprise -0.34%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 111.63M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$55.00

3.99% upside
Past 12 months12-month forecastHigh $56.00Average $55.00Low $54.00

Rating distribution

5 ratings
Strong buy00%
Buy480%
Hold120%
Sell00%
Strong sell00%

Recent analyst actions

5 institutions

OBK news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.60

2025 complete year+22.4% since 2021

2026 partial: $0.65

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 14, 2026

$0.25

Quarterly

Record Aug 14, 2026 · Payment Aug 31, 2026

Dividend

Ex-dividend May 15, 2026

$0.25

Quarterly

Record May 15, 2026 · Payment May 29, 2026

Dividend

Ex-dividend Feb 13, 2026

$0.15

Quarterly

Record Feb 13, 2026 · Payment Feb 27, 2026

Dividend

Ex-dividend Nov 14, 2025

$0.15

Quarterly

Record Nov 14, 2025 · Payment Nov 28, 2025

Dividend

Ex-dividend Aug 15, 2025

$0.15

Quarterly

Record Aug 15, 2025 · Payment Aug 29, 2025

Dividend

Ex-dividend May 15, 2025

$0.15

Quarterly

Record May 15, 2025 · Payment May 30, 2025

OBK peers

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