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Origin Bancorp, Inc.

OBK Financial Banks Regional

Origin Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $597.8 million, down 3.58% from fiscal 2024.

Revenue
−2.56%
EPS
+339.3%
Free cash flow
+57.3%
Total debt
−29.4%

Quarter to September 2026, against a year earlier

53.44 0.59 −1.09%
Market cap
$1.7B
P/E
12.9×
Fwd P/E
12.3×
Dividend yield
1.49%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.20
Sold, $m 0.09
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 1 — — —
Sell 1 — — — — — — — — — — —
Insider Ownership 8.55%

Capital & Financial Ratios $m

Size
Market Cap 1,670.00
Revenue ttm 608.70
Net income ttm 128.83
Free cash flow ttm 169.69
Net debt Q (347.08)
Valuation
P/E 12.88
Forward P/E 12.30
Price / sales 2.71
Forward P/S Powerpack
Price / FCF 11.05
Price / book 1.31
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −2.56% (below 0%: shrinking)
Operating income growth Q +338.14% (above 0%: growing)
EPS, this year +77.15% (at or above 15%: strong)
EPS, next year A +8.62%
Revenue, next year A −26.50% (below 0%: weak)
EPS, past 5 yrs +9.14%
EPS, next 5 yrs A +27.26% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 43.45%
10-year low 10-year high
P/S against its own 10 years 55.57%
10-year low 10-year high
P/B against its own 10 years 60.24%
10-year low 10-year high

Dividends

Yield
1.49%
Annual rate
0.80
Payout ratio
19.3%
Growth, 2018–25
+29.4%/yr
  1. 0.10 ’18
  2. 0.25 ’19 +155
  3. 0.38 ’20 +50
  4. 0.49 ’21 +29
  5. 0.58 ’22 +18
  6. 0.60 ’23 +3
  7. 0.60 ’24 +0
  8. 0.60 ’25 +0
  9. 0.93 ’26e +55
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 280 470 424 347
Receivables — — — —
Inventory — — — —
Other — — — —
8,047 8,134 8,164 —
2023 2024 2025 Q'26
Payables 8,251 8,223 8,307 8,673
ST’ Debt — — — —
Other — — — —
8,382 8,361 8,442 8,809

Compound Annual Growth %

10y 5y 3y
Sales — 15.30% 15.91%
Cash Flow — 182.26% 2.95%
Earnings — 15.64% (5.00%)
Book Value — 14.01% 9.48%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.06 Actual 1.22

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.88 0.95 Beat by 0.07
Q1 FY26 0.90 0.89 Miss by 0.01
Q2 FY26 1.00 1.09 Beat by 0.09
Q3 FY26 1.06 1.22 Beat by 0.16
Q4 FY26 1.08 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.89 1.09 1.22 — —
’25 0.71 0.47 0.27 0.95 2.40
’24 0.73 0.67 0.60 0.46 2.45
’23 0.79 0.70 0.79 0.43 2.71
’22 0.87 0.90 0.57 0.95 3.28
’21 1.08 1.17 1.14 1.20 4.60
’20 0.03 0.21 0.56 0.75 1.55
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 148 151 158 — —
’25 148 136 162 151 598
’24 156 164 160 140 620
’23 137 148 154 144 582
’22 74 80 105 125 384
’21 79 73 75 77 304
’20 67 75 77 75 293
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 53 40 33 — —
’25 36 21 59 43 159
’24 27 12 40 30 108
’23 28 48 25 29 130
’22 15 40 39 52 146
’21 71 37 37 27 171
’20 8 (23) 24 (7) 1
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 48 31 33 — —
’25 32 20 57 40 149
’24 39 (6) 48 26 108
’23 22 44 17 20 103
’22 14 36 38 49 137
’21 70 36 35 25 166
’20 7 (25) 23 (11) (6)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 181 182 229 274 293 304 384 582 620 598 609 +14.2% 439 473 505 (5.5%)
Gross margin, % 89.80 87.74 84.89 80.49 87.33 91.64 86.63 61.52 57.38 65.38 70.36 (24.4) pt
EBT 16 20 62 67 44 132 107 106 97 96 164 +22.2%
EBT margin, % 8.71 11.27 27.23 24.33 15.12 43.58 27.99 18.21 15.69 16.00 26.94 +7.3 pt
Net income 13 15 52 54 36 109 88 84 76 75 129 +21.7%
Per share, $
Per share, $ Revenue 10.32 9.36 10.43 11.66 12.55 12.97 14.42 18.87 19.95 19.20 19.78 +7.1%
Earnings 0.46 0.51 2.20 2.30 1.56 4.63 3.29 2.72 2.46 2.42 4.17 +20.3%
Cash flow 3.11 3.19 3.54 2.62 0.04 7.32 5.47 4.22 3.49 5.10 5.51 +5.7%
Capex (0.45) 0.07 (0.24) (0.47) (0.31) (0.21) (0.32) (0.87) (0.02) (0.33) 0.00 (3.4%)
Free cash flow 2.66 3.26 3.29 2.15 (0.27) 7.11 5.15 3.35 3.47 4.78 5.51 +6.7%
Book value 23.94 21.65 24.99 25.53 27.69 31.16 35.68 34.48 36.85 40.04 41.07 +5.9%
Shares, m 18 19 22 23 23 23 27 31 31 31 31 +6.6%
Valuation, ×
Valuation, × P/E 31.75 31.75 14.76 16.52 17.92 9.27 11.01 12.98 13.48 15.54 12.88 17.5
P/S 3.53 3.53 3.27 3.25 2.21 3.31 2.52 1.87 1.67 1.96 2.71 2.7
P/B 1.82 1.82 1.36 1.48 1.00 1.38 1.02 1.02 0.90 0.94 1.31 1.3
EV/Sales 2.96 2.96 4.74 3.74 4.82 2.53 3.78 1.87 1.19 1.31 — 3.0
EV/FCF 11.09 11.09 15.01 20.30 (223.97) 4.61 10.57 10.52 6.83 5.26 — (12.9)
Cash, $m
Cash, $m Operating cash flow 55 62 78 62 1 171 146 130 108 159 170 +12.6%
Capex (8) 1 (5) (11) (7) (5) (8) (27) (1) (10) (20) +3.0%
Free cash flow 47 63 72 50 (6) 166 137 103 108 149 170 +13.7%
Balance, $m
Balance, $m Working capital (43) (4) 191 274 509 (569) (274) (335) (227) (278) (8,809) +23.1%
Net debt (140) (33) 338 135 765 (238) 482 (3) (298) (389) (347) +12.0%
Shareholders’ equity 420 420 550 599 647 730 950 1,063 1,145 1,247 1,264 +12.8%
Returns, %
Returns, % ROA 0.20 0.24 1.08 1.06 0.56 1.40 1.00 0.86 0.79 0.78 1.30 +0.6 pt
ROIC 3.52 3.31 4.40 5.66 1.96 16.83 4.69 6.24 7.17 6.97 11.18 +3.4 pt
ROE 2.29 2.77 10.75 9.38 5.83 15.76 10.44 8.33 6.93 6.29 10.40 +4.0 pt
People
People Employees — 686 761 751 749 797 1,011 1,041 1,031 988 — +4.7%
Revenue/emp, $m 0.00 0.26 0.30 0.36 0.39 0.38 0.38 0.56 0.60 0.61 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Origin Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BLX Bladex Inc. $2.3B 8.1× 7.6× +12.12% (above 0%: growing) +13.49% (above 0%: growing) −117.11% (below 0%: shrinking) 42.29% 0.00% Compare
BY Byline Bancorp, Inc. $1.7B 11.5× 11.0× +1.37% (above 0%: growing) +36.36% (above 0%: growing) −32.50% (below 0%: shrinking) 73.03% 0.00% Compare
TCBK TriCo Bancshares $1.7B 12.5× 11.9× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00% Compare
OBK Origin Bancorp, Inc. $1.7B 16.8× 12.3× +11.11% (above 0%: growing) +134.04% (above 0%: growing) +57.26% (above 0%: growing) 71.20% 0.00%
HOPE Hope Bancorp, Inc. $1.7B 13.1× 13.1× +2.73% (above 0%: growing) +218.18% (above 0%: growing) +727.66% (above 0%: growing) 58.92% 0.00% Compare
INTR Inter & Co. Inc. $1.7B 5.8× 5.2× +45.51% (above 0%: growing) +46.15% (above 0%: growing) −253.49% (below 0%: shrinking) 59.27% 0.00% Compare
QCRH QCR Holdings, Inc. $1.7B 11.9× 11.6× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00% Compare
NBHC National Bank Holdings Corporation $1.6B 29.6× 20.5× +18.27% (above 0%: growing) n/m +33.48% (above 0%: growing) 69.90% 0.00% Compare
CNOB ConnectOne Bancorp, Inc. $1.6B 11.3× 10.8× −10.37% (below 0%: shrinking) −24.36% (below 0%: shrinking) +162.97% (above 0%: growing) 55.38% 0.00% Compare
Median of peers $1.7B 11.7× 11.3× +5.01% +28.65% +8.09% 61.99% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.64m 3.72m 146.71
2024 2.54m 2.21m 127.74
2023 1.72m 1.11m 133.95
2022 10.22m 10.11m 135.63
2021 2.08m 5.25m 156.44
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Origin Bancorp, Inc. (OBK) Latest News

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24 Jul

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23 Jul

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22 Jul

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21 Jul

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15 Jul

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29 Apr

Impact 4 · · GlobeNewswire

25 Apr

Impact 4 · · Simply Wall St.

24 Apr

Impact 3 · · MarketBeat

23 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

22 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · Zacks
Impact 3 · · Zacks
stockrow.com/OBK · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com