NYSE : OBK
Origin Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 52.66 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.61B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 477.69M | 517.28M | 466.81M | 286.15M | 218.78M | |
| Interest Income on Investments | 60.27M | 47.30M | 56.58M | 40.45M | 22.88M | |
| Total Interest Income | 537.96M | 564.59M | 523.39M | 326.60M | 241.66M | |
| Interest Paid on Deposits | 199.47M | 254.87M | 196.46M | 33.51M | 13.42M | |
| Interest Paid on Borrowings | 7.50M | 9.35M | 27.38M | 17.82M | 11.99M | |
| Total Interest Expense | 206.97M | 264.22M | 223.83M | 51.33M | 25.40M | |
| Net Interest Income | 361.28M | 330.99M | 300.37M | 299.56M | 275.28M | 216.25M |
| Mortgage Banking Activities | 5.69M | 3.69M | 6.58M | 3.36M | 6.72M | 12.93M |
| Gain (Loss) on Sale of Assets | -185.00K | |||||
| Gain (Loss) on Sale of Investments | -7.49M | -7.46M | -9.61M | -813.00K | 810.00K | 11.85M |
| Gain (Loss) on Sale of Equity Investments | -2.26M | -1.19M | 519.00K | 405.00K | ||
| Other Non-Interest Income | 68.46M | 62.19M | 57.89M | 55.39M | 49.74M | 37.60M |
| Total Non-Interest Income | 64.40M | 57.23M | 55.38M | 58.34M | 57.27M | 62.19M |
| Revenues Before Loan Losses | 425.68M | 388.23M | 355.75M | 357.89M | 332.55M | 278.44M |
| Provision for Loan Losses | 10.79M | 46.28M | 7.45M | 16.75M | 24.69M | -10.77M |
| Revenue | 414.89M | 341.94M | 348.30M | 341.14M | 307.86M | 289.21M |
| Salaries and Employee Benefits | 261.92M | 142.63M | 141.66M | 133.54M | 115.52M | 90.73M |
| Occupancy Expenses | 42.62M | 21.12M | 19.59M | 18.54M | 14.49M | 12.43M |
| Federal Deposit Insurance | 9.42M | 5.53M | 6.90M | 6.46M | 3.55M | 2.90M |
| Amortization of Goodwill & Intangibles | 10.91M | 6.61M | 7.98M | 9.63M | 5.49M | 844.00K |
| Selling, General & Administrative | 86.48M | 55.43M | 53.14M | 47.87M | 35.98M | 31.39M |
| Other Non-Interest Expense | -157.83M | 17.58M | 21.77M | 19.19M | 19.22M | 18.49M |
| Total Non-Interest Expense | 253.52M | 248.90M | 251.04M | 235.22M | 194.25M | 156.78M |
| EBT Excluding Unusual Items | 161.37M | 93.04M | 97.26M | 105.92M | 113.61M | 132.43M |
| Pretax Income | 163.97M | 95.64M | 97.26M | 105.92M | 107.44M | 132.43M |
| Income Tax Expense | 35.13M | 20.44M | 20.77M | 22.12M | 19.73M | 23.89M |
| Net Income | 128.83M | 75.20M | 76.49M | 83.80M | 87.72M | 108.55M |
| Net Income to Common | 128.83M | 75.20M | 76.49M | 83.80M | 87.72M | 108.55M |
| Basic Shares Outstanding | 30.88M | 31.14M | 31.08M | 30.82M | 26.63M | 23.43M |
| Diluted Shares Outstanding | 31.18M | 31.33M | 31.20M | 30.93M | 26.76M | 23.61M |
| EPS (Basic) | 4.17 | 2.42 | 2.46 | 2.72 | 3.29 | 4.63 |
| EPS (Diluted) | 4.13 | 2.40 | 2.45 | 2.71 | 3.28 | 4.60 |
| Dividend Per Share | 0.80 | 0.60 | 0.60 | 0.60 | 0.58 | 0.49 |
| Effective Tax Rate | 21.43% | 21.38% | 21.35% | 20.89% | 18.36% | 18.04% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 347.08M | 420.42M | 469.58M | 279.58M | 351.37M | 689.12M |
| Investment Securities | 1.24B | 477.26M | 462.73M | 585.01M | 901.01M | 769.73M |
| Trading Asset Securities | 5.84M | 19.37M | 22.11M | 27.30M | 33.10M | 18.96M |
| Mortgage-Backed Securities | 763.45M | 754.51M | 765.23M | 849.43M | 835.46M | |
| Total Investments | 1.24B | 1.26B | 1.24B | 1.38B | 1.78B | 1.62B |
| Gross Loans | 8.09B | 7.68B | 7.58B | 7.67B | 7.10B | 5.24B |
| Allowance for Loan Losses | -98.38M | -96.78M | -91.06M | -96.87M | -87.16M | -64.59M |
| Other Adjustments to Gross Loans | -10.60M | -9.80M | -11.80M | -14.20M | -9.60M | |
| Net Loans | 8.00B | 7.57B | 7.48B | 7.56B | 7.00B | 5.17B |
| Property, Plant & Equipment | 134.67M | 176.13M | 179.45M | 166.60M | 132.81M | 104.42M |
| Goodwill | 128.68M | 128.68M | 128.68M | 128.68M | 128.68M | 34.37M |
| Other Intangible Assets | 29.06M | 33.36M | 37.47M | 45.45M | 49.83M | 16.96M |
| Loans Held for Sale | 628.00K | 1.03M | 10.49M | 16.85M | 49.96M | 80.39M |
| Accrued Interest Receivable | 180.79M | 84.67M | 85.88M | 83.48M | 118.75M | 72.21M |
| Restricted Cash | 3.80M | 670.00K | 865.00K | 7.60M | 16.50M | |
| Other Real Estate Owned & Foreclosed | 2.64M | 694.00K | 3.63M | 3.93M | 806.00K | 1.86M |
| Other Long-Term Assets | 42.47M | 41.73M | 40.84M | 55.54M | 59.86M | 54.57M |
| Total Assets | 10.11B | 9.72B | 9.68B | 9.72B | 9.69B | 7.86B |
| Accrued Expenses | 136.26M | 48.82M | 50.74M | 45.72M | 41.48M | 39.06M |
| Interest Bearing Deposits | 6.50B | 5.92B | 5.80B | 5.44B | 4.97B | 4.18B |
| Institutional Deposits | 406.50M | 525.10M | 894.40M | 322.20M | 222.70M | |
| Non-Interest Bearing Deposits | 2.18B | 1.98B | 1.90B | 1.92B | 2.48B | 2.16B |
| Total Deposits | 8.67B | 8.31B | 8.22B | 8.25B | 7.78B | 6.57B |
| Short-Term Borrowings | 26.63M | 21.22M | 95.42M | 657.76M | 64.30M | |
| Current Portion of Leases | 7.92M | 34.62M | ||||
| Federal Home Loan Bank Debt, Long-Term | 15.38M | 5.91M | 6.20M | 6.47M | 6.74M | 257.00M |
| Long-Term Leases | 49.66M | 57.93M | 51.16M | 2.55M | 28.54M | |
| Trust Preferred Securities | 16.62M | 16.54M | 159.94M | 194.28M | 201.76M | 157.42M |
| Other Long-Term Liabilities | 15.30M | 14.30M | 15.50M | 15.50M | 14.07M | |
| Total Liabilities | 8.84B | 8.48B | 8.53B | 8.66B | 8.74B | 7.13B |
| Common Stock | 153.01M | 154.76M | 155.99M | 154.93M | 153.73M | 118.73M |
| Additional Paid-In Capital | 526.65M | 533.54M | 537.37M | 528.58M | 520.67M | 242.11M |
| Retained Earnings | 680.43M | 612.52M | 557.92M | 500.42M | 435.42M | 363.63M |
| Comprehensive Income & Other | -96.41M | -54.14M | -106.03M | -121.02M | -159.88M | 5.73M |
| Total Common Equity | 1.26B | 1.25B | 1.15B | 1.06B | 949.94M | 730.21M |
| Shareholders' Equity | 1.26B | 1.25B | 1.15B | 1.06B | 949.94M | 730.21M |
| Total Liabilities & Equity | 10.11B | 9.72B | 9.68B | 9.72B | 9.69B | 7.86B |
| Total Debt | 32.00M | 106.67M | 245.29M | 347.34M | 903.44M | 507.25M |
| Net Cash (Debt) | 320.92M | 333.11M | 246.39M | -40.47M | -518.97M | 200.82M |
| Net Cash Per Share | 10.29 | 10.63 | 7.90 | -1.31 | -19.39 | 8.51 |
| Filing Date Shares Outstanding | 30.60M | 30.98M | 31.21M | 30.99M | 30.77M | 23.75M |
| Total Common Shares Outstanding | 30.60M | 30.95M | 31.20M | 30.99M | 30.75M | 23.75M |
| Book Value Per Share | 41.29 | 40.28 | 36.71 | 34.30 | 30.90 | 30.75 |
| Tangible Book Value | 1.11B | 1.08B | 979.09M | 888.77M | 771.43M | 678.88M |
| Tangible Book Value Per Share | 36.14 | 35.04 | 31.38 | 28.68 | 25.09 | 28.59 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 75.20M | 76.49M | 83.80M | 87.72M | 108.55M | |
| Depreciation & Amortization | 16.81M | 16.80M | 17.63M | 12.30M | 6.83M | |
| Gain (Loss) on Sale of Assets | 711.00K | -1.35M | -64.00K | 175.00K | 185.00K | |
| Gain (Loss) on Sale of Investments | 8.61M | 14.42M | 8.43M | 7.07M | 778.00K | |
| Provision for Credit Losses | 46.28M | 7.45M | 16.75M | 24.69M | -10.77M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 9.13M | -12.24M | -28.73M | 5.41M | 64.31M | |
| Change in Other Net Operating Assets | -1.99M | 5.37M | -572.00K | -3.90M | 5.62M | |
| Other Operating Activities | -1.49M | -168.00K | 33.65M | 18.75M | 10.70M | |
| Operating Cash Flow | 158.92M | 108.48M | 129.92M | 145.65M | 171.49M | |
| Capital Expenditures | -7.87M | -22.05M | -26.83M | -8.47M | -5.01M | |
| Sale of Property, Plant and Equipment | 125.00K | 5.57M | 49.00K | 18.00K | ||
| Cash Acquisitions | 69.95M | -7.46M | ||||
| Investment in Securities | 31.07M | 139.66M | 441.31M | 88.95M | -490.60M | |
| Income (Loss) Equity Investments | 1.19M | -519.00K | -405.00K | |||
| Purchase / Sale of Intangibles | -2.50M | 15.88M | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -137.81M | 87.76M | -544.66M | -607.42M | 511.94M | |
| Other Investing Activities | 250.00K | 680.00K | 11.00K | |||
| Investing Cash Flow | -113.69M | 231.94M | -130.03M | -455.99M | 12.85M | |
| Short-Term Debt Issued | 1.56B | 1.69B | 6.07B | 10.06B | 5.73B | |
| Total Debt Issued | 1.56B | 1.69B | 6.07B | 10.06B | 5.73B | |
| Short-Term Debt Repaid | -1.56B | -1.76B | -6.60B | -9.47B | -6.38B | |
| Long-Term Debt Repaid | -148.54M | -34.87M | -7.62M | -250.26M | -13.72M | |
| Total Debt Repaid | -1.71B | -1.79B | -6.60B | -9.73B | -6.39B | |
| Net Debt Issued (Repaid) | -141.67M | -105.74M | -538.42M | 338.08M | -662.68M | |
| Issuance of Common Stock | 954.00K | 1.87M | 3.14M | 2.95M | 146.00K | |
| Repurchase of Common Stock | -15.81M | -1.26M | ||||
| Common Dividends Paid | -18.87M | -18.75M | -18.57M | -15.89M | -11.53M | |
| Total Dividends Paid | -18.87M | -18.75M | -18.57M | -15.89M | -11.53M | |
| Net Increase (Decrease) in Deposit Accounts | 84.13M | -28.00M | 475.42M | -361.45M | 819.38M | |
| Financing Cash Flow | -91.27M | -150.61M | -78.42M | -36.31M | 144.07M | |
| Net Cash Flow | -46.03M | 189.81M | -78.53M | -346.65M | 328.40M | |
| Free Cash Flow | 151.05M | 86.43M | 103.09M | 137.18M | 166.47M | |
| Free Cash Flow Margin | 44.17% | 24.82% | 30.22% | 44.56% | 57.56% | |
| Free Cash Flow Per Share | 4.82 | 2.77 | 3.33 | 5.13 | 7.05 | |
| Cash Interest Paid | 211.76M | 268.46M | 215.48M | 50.10M | 26.27M | |
| Cash Income Tax Paid | 34.48M | 24.17M | 383.00K | -6.26M | 21.16M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.61B | 1.16B | 1.04B | 1.10B | 1.13B | 1.01B |
| Last Close Price | 52.66 | 37.11 | 32.31 | 33.88 | 34.29 | 39.56 |
| PE Ratio | 12.74 | 15.49 | 13.56 | 13.12 | 12.83 | 9.29 |
| PS Ratio | 3.88 | 3.41 | 2.98 | 3.22 | 3.66 | 3.49 |
| PB Ratio | 1.28 | 0.93 | 0.91 | 1.03 | 1.19 | 1.38 |
| P/FCF Ratio | 9.19 | 7.71 | 12.01 | 10.66 | 8.21 | 6.06 |
| P/OCF Ratio | 8.24 | 7.33 | 9.56 | 8.46 | 7.73 | 5.88 |
| Debt / Equity Ratio | 0.03 | 0.09 | 0.21 | 0.33 | 0.95 | 0.69 |
| Debt / FCF Ratio | 0.71 | 2.84 | 3.37 | 6.59 | 3.05 | |
| Net Debt / Equity Ratio | -0.25 | -0.27 | -0.21 | 0.04 | 0.55 | -0.28 |
| Net Debt / FCF Ratio | -2.21 | -2.85 | 0.39 | 3.78 | -1.21 | |
| Return on Equity (ROE) | 10.40% | 6.29% | 6.93% | 8.33% | 10.44% | 15.76% |
| Return on Assets (ROA) | 1.29% | 0.78% | 0.79% | 0.86% | 1.00% | 1.40% |
| Earnings Yield | 7.85% | 6.46% | 7.37% | 7.62% | 7.79% | 10.76% |
| FCF Yield | 10.88% | 12.97% | 8.33% | 9.38% | 12.19% | 16.51% |
| Dividend Yield | 2.13% | 1.59% | 1.80% | 1.69% | 1.58% | 1.15% |
| Payout Ratio | 27.11% | 25.10% | 24.51% | 22.16% | 18.11% | 10.62% |
| Buyback Yield / Dilution | 0.61% | -0.42% | -0.87% | -15.59% | -13.35% | -0.41% |
| Total Shareholder Return | 2.74% | 1.17% | 0.93% | -13.89% | -11.77% | 0.74% |