Zacks Investment Research·Jun 30, 2026
Are You Looking for a Top Momentum Pick? Why Origin Bancorp (OBK) is a Great ChoiceDoes Origin Bancorp (OBK) have what it takes to be a top stock pick for momentum investors? Let's find out.
Origin Bancorp, Inc.(OBK)Earnings, Financials & Key Ratios
OBK•NYSE•Banking & Credit
$51.31
21.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOrigin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, 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. The company was founded in 1912 and is headquartered in Ruston, Louisiana.Show more
- Net Interest Income$331M+10.2%
- Total Revenue$599M-3.0%
- Net Income$75M-1.7%
- Return on Equity6.29%-9.2%
- Net Interest Margin3.4%+9.7%
- Efficiency Ratio41.71%+3.8%
- ROA0.78%-1.7%
- Equity / Assets12.82%+8.3%
- Book Value per Share40.13+9.3%
OBK Price & Volume
Origin Bancorp, Inc. (OBK) stock price & volume — 10-year historical chart
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Texas Expansion Strategy Faces Regional Concentration Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Texas CRE concentration risk
Key Thesis Takeaways
- Origin Bancorp demonstrates a consistent growth trajectory with total assets reaching $10.2 billion in 2026Q1, supported by successful commercial loan repricing that drove 11.2% year-over-year NII growth.
- However, the bank's heavy reliance on the Texas commercial real estate market and volatile non-interest income streams, which ranged from -$761,000 to $24.6 million over the last ten quarters, warrant caution.
- Investors should monitor the sustainability of the 0.9% net interest margin and the potential for future credit volatility following the $36.8 million provision spike observed in 2025Q3.
Verdict Logic
while the bank shows steady asset growth to $10.2 billion, the forward P/E of 13.10 and the inherent risks of regional CRE concentration suggest a cautious entry point until margin expansion becomes more definitive.
OBK Growth Metrics
Origin Bancorp, Inc. (OBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.84%
3 Years16.58%
TTM-
Profit CAGR
10 Years-
5 Years15.64%
3 Years-5%
TTM5.52%
EPS CAGR
10 Years-
5 Years9.14%
3 Years-9.89%
TTM5.74%
Return on Capital
10 Years6.41%
5 Years7.71%
3 Years5.76%
Last Year2.15%
OBK Recent Earnings
Origin Bancorp, Inc. (OBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.89-1.1%
$0.90
Rev
$104M+0.0%
$104M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.95+8.0%
$0.88
Rev
$103M+3.2%
$100M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.27-69.7%
$0.89
Rev
$108M+8.2%
$100M
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.47-39.7%
$0.78
Rev
$85M-13.9%
$98M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.89vs $0.90-1.1% | $104Mvs $104M+0.0% |
| Q1 2026 | Jan 28, 2026 | $0.95vs $0.88+8.0% | $103Mvs $100M+3.2% |
| Q4 2025 | Oct 22, 2025 | $0.27vs $0.89-69.7% | $108Mvs $100M+8.2% |
| Q3 2025 | Jul 23, 2025 | $0.47vs $0.78-39.7% | $85Mvs $98M-13.9% |
Based on last 12 quarters of dataView full earnings history →
Latest OBK News
Recent stock market news and headlines for Origin Bancorp, Inc. (OBK)
Zacks Investment Research·Jun 19, 2026
Are You Looking for a High-Growth Dividend Stock?Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Origin Bancorp (OBK) have what it takes?
Peers Comparison
Key metrics vs top competitors for Origin Bancorp, Inc. (OBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $51.31 | $1.59B | 21.38 | -2.95% | 12.56% | 6.29% | 1.18% | |
| $28.66 | $5.77B | 11.89 | -5.35% | 34.84% | 11.29% | — | |
| $22.75 | $3.3B | -7.71 | -56.66% | -63.53% | -10.51% | — | |
| $35.76 | $736.88M | 10.94 | -0.3% | 22.54% | 14.15% | — | |
| $13.35 | $1.71B | 29.02 | -3.23% | 6.82% | 2.96% | — | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — |
Compare OBK vs Peers
Origin Bancorp, Inc. (OBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OBK SEC Filings & Documents
Origin Bancorp, Inc. (OBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Apr 27, 2026·SEC
Material company update
Apr 22, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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OBK Frequently Asked Questions
Origin Bancorp, Inc. (OBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Origin Bancorp, Inc. growing?
Origin Bancorp, Inc. (OBK) saw revenue decline by 3.0% over the past year.
Is OBK profitable?
Yes, Origin Bancorp, Inc. (OBK) is profitable, generating $80.5M in net income for fiscal year 2025 (12.6% net margin).
Dividend & Returns
Does OBK pay dividends?
Yes, Origin Bancorp, Inc. (OBK) pays a dividend with a yield of 1.18%. This makes it attractive for income-focused investors.
What is OBK's return on equity?
Origin Bancorp, Inc. (OBK) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Origin Bancorp, Inc.'s net interest margin?
Origin Bancorp, Inc. (OBK) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
What is Origin Bancorp, Inc.'s efficiency ratio?
Origin Bancorp, Inc. (OBK) has an efficiency ratio of 41.7%. This is excellent, indicating strong cost control.