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what it is
Origin Bancorp is a regional bank that takes deposits, makes loans, and sells fee services to businesses and households.
how it gets paid
Last year Origin Bancorp made $538M in revenue. Net interest income was the main engine at $330M, or 61% of sales.
why growth slowed
Revenue fell 4.7% last year. The $403M quarter matters because it was 75% of the full-year $538M total.
what just happened
Q4 revenue hit $403M, and EPS reached $1.46 after a 441% jump.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
55/100 earnings predictability — expect surprises
21.2x trailing p/e — priced about right
1.5% dividend yield — cash in your pocket every quarter
$2.45 fy2024 eps est
xvary composite: 60/100 — average
What they do
Origin Bancorp is a regional bank that takes deposits, makes loans, and sells fee services to businesses and households.
Origin has 56 centers and $9.8B of assets. That is a real branch network, not a logo on an app. Treasury management means cash tools for businesses, so your payroll, deposits, and loan paperwork stay in one place.
How they make money
$538M
annual revenue · their business grew -4.7% last year
Net interest income
$330M
Service charges on deposits
$68M
Mortgage origination and servicing
$54M
Insurance
$36M
Treasury management and other fees
$50M
The products that matter
business lending
Commercial & Industrial Lending
linked to the $342M net interest income base
This is the center of gravity. When the loan book earns well and credit stays clean, the $342M net interest income line supports the whole model.
core engine
consumer deposits and lending
Retail Banking
funding quality matters more than volume here
Retail banking supplies deposits that fund the loan book. The missing number on this page is deposit cost, which tells you exactly where to look next quarter.
funding base
fee-based banking services
Treasury Management
part of the $192M non-interest income bucket
This matters because flat non-interest income is still diversification. The page does not break out treasury management on its own, so the takeaway is direction, not precision.
revenue cushion
Key numbers
$538M
Revenue
It brought in $538M. That is the whole machine.
$7.4B
Loan book
These are loans the bank keeps. They drive the interest income.
$1.2B
Equity cushion
This is the loss buffer. Smaller cushions get hit harder when credit turns.
21.2x
Price-to-earnings
Price divided by profit. You pay 21.2 years of earnings here.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $168M (12% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for OBK right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Q4 revenue hit $403M, and EPS reached $1.46 after a 441% jump.
Revenue rose 196% vs. prior year, while EPS rose 441%. The quarter was the loud part; the full year was still softer, with revenue at $538M and FY2024 EPS at $2.45.
$135M
revenue
$1.46
eps
21.99%
profit margin
quarterly revenue
The $403M quarter matters because it was 75% of the full-year $538M total. One quarter did most of the heavy lifting.
source: company earnings report, 2026
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What could go wrong
The #1 risk is net interest margin compression at a Louisiana-and-Texas regional lender. OBK does not need a crisis to disappoint you. It just needs spread income to keep drifting lower while credit costs rise.
high
net interest margin compression
This is the main risk because $342M of net interest income still runs the model. The page already shows that line down 4.7% from a year ago. One more leg down and the 22% margin starts doing less work.
high impact on earnings quality and valuation
med
credit costs eating the quarter
The latest quarter produced $40.6M of pre-tax, pre-provision earnings. That is the cushion before reserve building. If loan losses rise, that cushion gets consumed before it reaches shareholders.
medium-to-high impact on reported profit
low
valuation losing its support
At 16.9x earnings, OBK is priced for a bank that keeps performing. If the margin story weakens, the multiple does not need to collapse to hurt you. It only needs to stop looking deserved.
lower operating impact, real share-price impact
with $342M of net interest income and a 22% net margin, you do not need a catastrophe for earnings to slip.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
22% net margin
That is the whole argument for paying more than a throwaway bank multiple. If it starts sliding, your thesis changes before management says it does.
calendar
q1 2026 earnings report
Expected late april 2026. You want to see whether the $40.6M pre-tax, pre-provision run rate holds and whether net interest income stabilizes.
risk
provision for credit losses
This is where a good quarter turns into an average one. If provisions start eating through the operating cushion, the stock will notice before the narrative does.
trend
$48.00 analyst consensus target
That implies upside from $40.44, but targets only matter if the earnings base holds. Watch estimate changes more than the headline target itself.
Analyst rankings
earnings predictability
55 / 100
in human-speak: quarterly numbers can wobble when spreads move. You should expect some noise.
balance sheet grade
b++
in human-speak: the bank is sturdy enough to matter, but not so sturdy that you can ignore credit quality.
price stability
65 / 100
in human-speak: this is not a sleepy stock. If you own it, you feel the swings.
source: institutional data
Institutional activity
institutional ownership data for OBK is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$40
current price
n/a
target midpoint · n/a from current
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