Origin Bancorp (OBK)
NYSE:OBK
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Earnings Data
Report Date
Jul 29, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1Last Year’s EPS
0.47Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed constructive momentum: disciplined, mid- to high-single-digit loan and deposit growth, improved ROA momentum (Q1 ROA 1.11%) and stable credit metrics, combined with capital actions (dividend increase, buybacks) and strategic hires to support future scale. Offsetting items were modest NIM compression (2 bps), noninterest income headwinds from $3.3 million in LP losses, a moderate rise in nonperforming/classified assets, expense growth as the company reinvests, and competitive deposit pricing. Overall, the positives — revenue and balance sheet growth, capital strength, credit discipline, and strategic investments — outweigh the headwinds, supporting a favorable outlook.Company Guidance
Strong Loan Growth
Loans held for investment (ex. mortgage warehouse) increased $200 million, or 2.8% quarter-over-quarter (loans grew 2.5% sequentially on the reported basis). Growth was driven primarily by CNI activity in Texas and the Southeast.
Deposit Growth and Funding Mix
Total deposits increased $234 million or 2.8% (adjusting for a $215 million interest-bearing deposit sale at year-end that was repurchased two days later). Noninterest-bearing deposits grew 4.2% sequentially and represented 23.6% of total deposits at quarter end.
Profitability and EPS
Diluted EPS was $0.89 for Q1. Pretax pre-provision earnings were $40.2 million ($40.8 million excluding notable items) and annualized pretax pre-provision ROA was 1.61%. Notable items created net expense of $577,000 (~$0.01 EPS impact).
ROA Momentum and Run-Rate Targets
Reported ROA for Q1 was 1.11%. Management is building momentum and targets a run-rate ROA of at least 1.15% by Q4 and a pretax pre-provision run-rate ROA in excess of 1.72%.
NIM and NII Outlook
Net interest margin contracted 2 basis points to 3.71% in Q1, in line with guidance. Management expects a ~10 basis point bounce in Q2 and NIM of 3.7%–3.8% by Q4 (bias to the higher end). Net interest income is expected to grow mid- to high-single digits for the full year.
Capital Strength and Shareholder Returns
Tangible book value rose sequentially to $35.61 (14th consecutive quarter of TBV growth). Tangible common equity ratio ended the quarter at 11%. The company repurchased 165,500 shares and the Board increased the quarterly dividend from $0.15 to $0.25.
Credit Metrics Remain Sound
Net charge-offs fell to $2.8 million (annualized charge-off rate 0.15%), down from $3.2 million. Past dues (30–89 days) were 0.22%, favorable to the recent 4-quarter average of 0.25%. Allowance for credit losses increased $2.2 million to $99 million and remained stable at 1.34% of loans (net of mortgage warehouse).
Talent and Strategic Investment
Origin added 15 bankers to production teams since the start of the year and hired a Chief Technology & Innovation Officer to accelerate digital, data and AI initiatives intended to drive productivity, decision speed, and scalable revenue growth.
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 |
|---|---|---|---|
Apr 22, 2026 | $44.79 | $46.56 | +3.95% |
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% |
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 Jul 29, 2026, After Close (Confirmed).
What is Origin Bancorp (OBK) earnings time?
Origin Bancorp (OBK) earnings time is at Jul 29, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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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 (Q2) is 1.