NYSE$OBK

Origin Bancorp Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

OBK reported Q4 2025, net income of $29.5M, diluted EPS of $0.95.

For Q4 2025, OBK reported net income of $29.5M, diluted EPS was $0.95. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Net income $29.5M.
  • Diluted EPS $0.95.
  • OBK highlights liquidity, operations, and forward priorities.

Headline financials

Total Revenue

$103M

Previous: $78M+32.6%
EPS (adj)

$0.95

Previous: $0.46+106.5%
Net Interest Margin (FTE)

3.7%

No prior period
Efficiency Ratio (GAAP)

60.7%

No prior period
Yield on LHFI

6.2%

No prior period
Cost of Interest-Bearing Deposits

2.9%

No prior period
Common Equity Tier 1 Ratio

13.5%

No prior period
Tier 1 Capital Ratio

13.7%

No prior period
Total Capital Ratio

14.9%

No prior period
Tier 1 Leverage Ratio

11.9%

No prior period
Return on Average Assets (ROAA)

1.2%

No prior period
PTPP ROAA (Annualized)

1.6%

No prior period
Return on Average Stockholders' Equity

9.5%

No prior period
ROATCE (Annualized)

10.9%

No prior period
Net Interest Spread

2.8%

No prior period
ALCL to Nonperforming LHFI

119.2%

No prior period
ALCL to Total LHFI

1.3%

No prior period
ALCL to Total LHFI, Adjusted

1.3%

No prior period
Nonperforming LHFI to LHFI

1.1%

No prior period
Net Charge-offs to Total Average LHFI (Annualized)

0.2%

No prior period
Yield on Interest-Earning Assets

5.8%

No prior period
Cost of Total Deposits

2.2%

No prior period
Total Nonperforming Assets to Total Assets

0.8%

No prior period
Past Due LHFI to LHFI

1.0%

No prior period
Past Due 30 to 89 Days and Still Accruing to LHFI

0.2%

No prior period
Total Nonperforming Assets to Loans & OREO

1.1%

No prior period
Core Efficiency Ratio (Non-GAAP)

59.8%

No prior period
Net Income

$29.5M

Previous: $14.3M+106.7%
Operating Income

$37.4M

Previous: $18M+108.1%

Revenue & EPS history

Origin · Revenue · Quarterly

$103M

Q4 2025+32.6%vs Q4 2024
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Revenue by segment

Origin · $56.7M total across 4 segments · Q4 2019

  • Commercial real estate
    $52.3M
  • Investment securities-taxable
    $2.64M
  • Assets held in other financial institutions
    $976K
  • Investment securities-nontaxable
    $772K

Forward guidance

The release discusses OBK's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • OBK cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 2025

Historical avgQ4 2025

+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

Earnings price reactions
QuarterReport dateReaction (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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