The earnings call reflected a mix of positive and negative aspects. Origin Bancorp has made significant progress in improving efficiencies, profitability, and net interest margins. However, challenges such as declines in loans and deposits and pressures on noninterest income were also highlighted. The company remains focused on optimizing operations and pursuing growth opportunities.

Company Guidance

During the Origin Bancorp, Inc. Second Quarter Earnings Conference Call, significant guidance was provided regarding the company's financial performance and strategic goals. Origin Bancorp aims to achieve a 1% Return on Assets (ROA) run rate by the fourth quarter of 2025 and eventually position its ROA in the top quartile among peers. The company has already implemented actions resulting in approximately $34 million in annual earnings improvement on a pre-tax pre-provision basis. Additionally, Origin increased its ownership of Argent Financial to 20%, expecting it to drive an additional $6 million in income next year. The company's net interest margin expanded by 17 basis points to 3.61%, with guidance for it to reach 3.70% by the fourth quarter of 2025. Despite economic uncertainties and loan growth challenges, Origin Bancorp remains focused on optimizing its balance sheet, enhancing revenue streams, and improving efficiencies to drive value for stakeholders.

Efficiencies and Profitability Improvements

Origin Bancorp has implemented actions leading to approximately $34 million in annual earnings improvement on a pretax pre-provision basis, driven by efficiencies in the branch network, profitability of the commercial banking team, and restructuring of the mortgage business.

Increased Ownership in Argent Financial

Origin Bancorp increased its ownership in Argent Financial to 20%, expected to drive an additional $6 million in income next year.

Strong C&I Loan Production

Commercial and Industrial (C&I) loans grew at an annualized rate of nearly 13% in Q2, with increased revenue from loan origination and swap fees.

Net Interest Margin Expansion

Net interest margin expanded by 17 basis points during the quarter to 3.61%.

Reduced Nonperforming Loans

Total past due loans held for investment decreased to 0.88% at quarter end compared to 0.96% for Q1 2025.

Origin Bancorp (OBK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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OBK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.95 / -	0.6	―	―	―
Jul 23, 2025	2025 (Q2)	0.78 / 0.47	0.67	-29.85% (-0.20)
Apr 23, 2025	2025 (Q1)	0.69 / 0.71	0.73	-2.74% (-0.02)
Jan 22, 2025	2024 (Q4)	0.52 / 0.46	0.43	6.98% (+0.03)
Oct 23, 2024	2024 (Q3)	0.64 / 0.60	0.79	-24.05% (-0.19)
Jul 24, 2024	2024 (Q2)	0.62 / 0.67	0.7	-4.29% (-0.03)
Apr 24, 2024	2024 (Q1)	0.60 / 0.73	0.79	-7.59% (-0.06)
Jan 24, 2024	2023 (Q4)	0.62 / 0.43	0.95	-54.74% (-0.52)
Oct 25, 2023	2023 (Q3)	0.64 / 0.79	0.57	38.60% (+0.22)
Jul 26, 2023	2023 (Q2)	0.67 / 0.70	0.9	-22.22% (-0.20)

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
Jul 23, 2025	$37.51	$37.32	-0.51%
Apr 23, 2025	$31.47	$31.56	+0.29%
Jan 22, 2025	$34.94	$36.61	+4.78%
Oct 23, 2024	$31.61	$30.84	-2.44%

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 Oct 22, 2025, After Close (Confirmed).

What is Origin Bancorp (OBK) earnings time?

Origin Bancorp (OBK) earnings time is at Oct 22, 2025, 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 2025 (Q3) is 0.95.

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