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Origin Bancorp, Inc.

OBK

$53.77 ▼ -0.10 (-0.19%) at close

11 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Origin Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.7B

Dividend Yield 1.12%

Revenue Growth 9.9% ↗

Op. Margin 24.5% ↘

ROIC None

FCF / Share None

Trailing P/E 22.2x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

11-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$390.83M

↑ +9.9% —

Net Income Profit after all expenses

$75.20M

↓ -1.7% —

Operating Margin Operating profit as % of sales

24.5%

↓ -10.5% 81th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.60 Latest / share

+0.0% YoY

+18.5% 10-yr CAGR

FY 2015

$0.13

FY 2016

$0.13

FY 2017

$0.13

FY 2018

$0.25

FY 2019

$0.38

FY 2020

$0.49

FY 2021

$0.58

FY 2022

$0.60

FY 2023

$0.60

FY 2024

$0.60

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	9.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	7.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	19.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+224%)	8.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+45%)	16.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+172%)	13.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	22.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+268%)	-1.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-131%)	—	—
EPS Growth YoY (%)	-1.6% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-9.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-17.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-28.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	196.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-32.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	333.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	10.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-1.7% Weak ↑ Weak Improving Year-over-year change in net income	-8.7% Weak ↓ Weak Declining Year-over-year change in net income	-4.5% Weak ↓ Weak Declining Year-over-year change in net income	-19.2% Weak ↓ Weak Declining Year-over-year change in net income	198.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-32.5% Weak ↓ Weak Declining Year-over-year change in net income	4.4% Caution ↓ Caution Declining Year-over-year change in net income	251.8% Excellent Excellent Year-over-year change in net income	14.2% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.1% Excellent Excellent Compound annual revenue growth over 3 years	10.6% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.9% Excellent → Excellent Stable Compound annual revenue growth over 5 years	15.8% Excellent Excellent Compound annual revenue growth over 5 years	11.4% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-9.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-19.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	20.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	12.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	28.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	45.2% Excellent Excellent Compound annual EPS growth over 3 years	71.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	24.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	29.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	32.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	47.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	17.3% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	—	—	—	—	—
Effective Tax Rate (%) (%)	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	19.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	21.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	26.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	39.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	14.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	24.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	9.2% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	7.9% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	14.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	5.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$12.55	$11.45	$11.61	$12.49	$11.88	$10.96	$9.38	$8.85	$8.21	$9.26	—
Basic EPS, GAAP (USD)	$2.42	$2.46	$2.72	$3.29	$4.63	$1.56	$2.30	$2.21	$0.51	$0.46	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.60	$0.60	$0.60	$0.58	$0.49	$0.38	$0.25	$0.13	$0.13	$0.13	—
Book Value per Share (USD)	$40.04	$36.85	$34.48	$35.68	$31.16	$27.69	$25.53	$24.99	$21.65	$23.94	—
Tangible Book Value per Share (USD)	$34.84	$31.50	$28.83	$28.97	$28.97	$26.55	$24.39	$23.78	$20.50	$23.94	—
Basic Weighted Avg Shares (shares)	31.14M	31.08M	30.82M	26.63M	23.43M	23.37M	23.47M	22.00M	19.42M	17.55M	—
Dividend Payout Ratio (%)	24.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	24.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	5.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	28.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$1.25B	$1.15B	$1.06B	$949.94M	$730.21M	$647.15M	$599.26M	$549.78M	$420.35M	$420.09M	$372.93M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$390.83M	$355.75M	$357.89M	$332.55M	$278.44M	$256.19M	$220.19M	$194.69M	$159.49M	$162.55M	—
Depreciation Expense (USD)	$10.20M	$8.80M	$8.00M	$6.80M	$6.00M	$5.80M	$5.40M	$4.90M	$5.30M	$6.40M	—
Net Income, GAAP (USD)	$75.20M	$76.49M	$83.80M	$87.72M	$108.55M	$36.36M	$53.88M	$51.60M	$14.67M	$12.85M	—
Operating Cash Flow (USD)	$158.92M	$108.48M	$129.92M	$145.65M	$171.49M	$887.00K	$61.55M	$77.83M	$61.99M	$54.58M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	3.4%	3.1%	3.1%	2.8%	2.8%	2.5%	3.3%	3.2%	3.1%	—	—
Efficiency Ratio (%) (%)	63.7%	70.6%	65.7%	60.3%	56.3%	59.3%	65.4%	67.4%	81.9%	71.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 11 years · 39 quarters

Origin Bancorp, Inc.

Analytical Summary

11-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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