NYSE$OBK
Origin Bancorp Inc · Q4 2024 earnings
Q4 2024 earnings · · Investor relations
Briefing
Reported net income of $14.3 million and EPS of $0.46, driven by net interest income increase and provision for credit loss benefit.
Origin Bancorp reported a decrease in net income for Q4 2024, with $14.3 million, or $0.46 diluted earnings per share. However, net interest income increased by 4.7% compared to the previous quarter, reaching $78.3 million.
- Net income was $14.3 million, or $0.46 diluted EPS.
- Net interest income increased by 4.7% to $78.3 million.
- Provision for credit loss benefit was $5.4 million.
- NIM-FTE expanded 15 basis points to 3.33%.
Headline financials
Revenue & EPS history
Origin · Revenue · Quarterly
$78M
Revenue by segment
Origin · $56.7M total across 4 segments · Q4 2019
- Commercial real estate$52.3M—92.3%
- Investment securities-taxable$2.64M—4.7%
- Assets held in other financial institutions$976K—1.7%
- Investment securities-nontaxable$772K—1.4%
Forward guidance
Origin Bancorp's Optimize Origin initiative targets greater than 1% ROAA run rate by 4Q25 and top quartile ROAA through productivity, balance sheet optimization, and culture enhancements, expecting approximately $21 million in annual pre-tax pre-provision earnings improvement.
Tailwinds
- Near term target of greater than a 1% ROAA run rate by 4Q25
- Ultimate target of top quartile ROAA
- Branch consolidation
- Headcount reduction
- Securities optimization
Headwinds
- Changes in benchmark interest rates
- Deterioration of Origin’s asset quality
- Financial health of Origin’s commercial borrowers
- Changes in the value of collateral securing Origin’s loans
- Labor pressures
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
+0.5%
Avg return
Earnings day
+1.5%
Avg return
5 days after
+1.6%
Avg return
30 days after
57%
21 / 37 earnings
Positive
+6.0%
Q3 2023
Best reaction
-6.8%
Q2 2024
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +4.0% | -1.9% | +1.2% | |
| Q4 2025 | +4.5% | +8.7% | +2.1% | |
| Q3 2025 | -4.0% | +1.3% | +3.4% | |
| Q1 2025 | +0.3% | +0.6% | +5.4% | |
| Q4 2024 | +3.8% | +9.7% | +7.4% | |
| Q3 2024 | -2.1% | -0.4% | +9.4% | |
| Q2 2024 | -6.8% | -7.1% | -10.5% | |
| Q1 2024 | +4.3% | +1.5% | +5.3% | |
| Q4 2023 | -4.4% | -3.3% | -10.9% | |
| Q3 2023 | +6.0% | +9.2% | +21.4% | |
| Q2 2023 | -0.0% | +0.0% | -8.1% | |
| Q1 2023 | -3.8% | -6.1% | -2.8% | |
| Q4 2022 | +1.0% | -4.5% | -0.8% | |
| Q3 2022 | -0.8% | +2.4% | +4.4% | |
| Q2 2022 | +2.8% | +3.4% | +0.6% | |
| Q1 2022 | -0.8% | -4.3% | -1.9% | |
| Q4 2021 | -2.4% | -0.4% | +5.9% | |
| Q3 2021 | -0.9% | +2.1% | -1.9% | |
| Q2 2021 | +1.5% | -1.4% | +0.6% | |
| Q1 2021 | +3.7% | +6.2% | +7.1% | |
| Q4 2020 | +2.1% | +7.7% | +17.1% | |
| Q3 2020 | -1.6% | -0.7% | +16.5% | |
| Q2 2020 | +4.7% | +9.2% | +9.2% | |
| Q1 2020 | +4.2% | +10.8% | -4.5% | |
| Q4 2019 | -1.4% | -1.7% | -1.4% | |
| Q3 2019 | +3.2% | +6.0% | +5.6% | |
| Q2 2019 | -2.0% | -0.9% | -6.7% | |
| Q1 2019 | +0.6% | +1.5% | -3.9% | |
| Q4 2016 | -0.9% | -0.4% | -5.3% | |
| Q4 2018 | -1.4% | -1.8% | +1.2% | |
| Q3 2017 | -3.2% | -5.0% | -8.6% | |
| Q3 2018 | +1.3% | +6.1% | +9.5% | |
| Q2 2017 | +0.5% | +0.5% | +3.3% | |
| Q2 2018 | +3.4% | +2.7% | +3.5% | |
| Q1 2018 | +0.5% | +1.5% | -4.0% | |
| Q4 2017 | +0.5% | +1.5% | -4.0% | |
| Q1 2017 | +0.5% | +1.5% | -4.0% |
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