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Origin Bancorp (OBK)
NYSE:OBK
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.9Last Year’s EPS
0.71Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple clear financial and operational positives: the company beat its near-term ROA target, delivered solid earnings and pretax pre-provision performance, grew loan originations and fee income significantly, expanded NIM, strengthened capital metrics, and maintained generally sound credit metrics. Management also outlined disciplined but opportunistic growth plans (targeted banker hires and ~$10M investment) to capture market disruption. Headwinds discussed were manageable and largely timing- or investment-related: a modest sequential deposit dip (partly technical), brief margin timing pressure in Q1, modest expense increase from strategic hires and contract renegotiation fees, and small upticks in classified loans and short-term delinquencies. Overall, highlights materially outweighed the lowlights, and management conveyed confidence and momentum heading into 2026.Company Guidance
Achieved Targeted ROA Run Rate
Q4 run-rate return on average assets (ROA) was 1.19%, exceeding the near-term target of 1.0% and supporting management's Optimize Origin progress.
Strong Earnings and Pretax Pre-Provision Performance
Q4 diluted EPS was $0.95 and net income was $29.5 million. Pretax pre-provision earnings were $40.6 million in Q4 and increased to $42.2 million excluding notable items (from $39.9 million prior), with annualized pretax pre-provision ROA rising to 1.7% from 1.63%.
Loan Production and Fee Growth
Loan originations rose by approximately $500 million, a ~37% year-over-year increase; loan and swap fees increased 57% year-over-year, and Q4 originations were the highest in over two years.
Net Interest Margin Expansion and NII Outlook
Net interest margin (NIM) expanded 8 basis points sequentially to 3.73% in Q4. Management expects NIM in the 3.70%–3.80% range by Q4 2026 (current bias to higher end) and anticipates net interest income growth in the mid- to high-single digits for the year.
Improved Capital and Tangible Book Value
Tangible common equity (TCE) ratio increased to 11.3% from 10.9% in Q3; tangible book value rose to $35.04 (13th consecutive quarter of sequential growth). During 2025, the company redeemed ~$145 million of subordinated debt and repurchased ~$16 million of common stock while maintaining well-capitalized ratios.
Sound Credit Metrics and Reduced NPAs
Total past-due loans were 0.96% of loans (flat sequentially); net charge-offs were $3.2 million (0.17% annualized for the quarter); nonperforming assets declined from 1.18% to 1.07% (~$7 million reduction); allowance for credit losses increased modestly to $96.8 million and remained ~1.34% of loans.
Operational Optimization and Strategic Investments
Continued execution of 'Optimize Origin' delivered a ~7% reduction in FTEs, consolidation of banking centers, 20% ownership of Argent Financial, and plans to invest roughly $10 million in new bankers/banking teams to capture market disruption (more than 10 production bankers already added).
OBK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
OBK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 28, 2026 | $40.59 | $42.42 | +4.52% |
Oct 22, 2025 | $34.09 | $32.83 | -3.70% |
Jul 23, 2025 | $37.22 | $37.03 | -0.51% |
Apr 23, 2025 | $31.23 | $31.32 | +0.28% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Origin Bancorp (OBK) report earnings?
Origin Bancorp (OBK) is schdueled to report earning on Apr 29, 2026, After Close (Confirmed).
What is Origin Bancorp (OBK) earnings time?
Origin Bancorp (OBK) earnings time is at Apr 29, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is OBK EPS forecast?
OBK EPS forecast for the fiscal quarter 2026 (Q1) is 0.9.