The earnings call highlighted strong performance in C&I loan production, net interest margin expansion, and effective expense management, contributing to a positive outlook. However, the company faced challenges in maintaining loan and deposit growth and experienced an increase in nonperforming loans. Overall, the positive achievements slightly outweigh the challenges, indicating a cautiously optimistic outlook.

Company Guidance -

Q3 2025

During the conference call, Origin Bancorp provided guidance on several key financial metrics and strategic initiatives. The company outlined its near-term goal of achieving a 1% return on assets (ROA) by the fourth quarter of 2025, aiming to position its ROA in the top quartile of peers. Origin's strategic actions have led to approximately $34 million in annual earnings improvement on a pretax, pre-provision basis. The company also increased its ownership of Argent Financial to 20%, which is expected to contribute an additional $6 million in income next year. The guidance for net interest margin was raised by 20 basis points to 3.70% for Q4 2025, with expectations for loan growth adjusted to low single digits due to economic uncertainties. The company also announced a new $50 million share repurchase plan and highlighted the strategic focus on optimizing its organizational structure and enhancing data management to drive further earnings improvement.

ROA Goal Ahead of Schedule

Origin Bancorp is on track to achieve their 1% ROA target ahead of the fourth quarter of 2025 due to efficiencies created in branch networks, improved commercial banking profitability, and mortgage business restructuring.

Increased Ownership in Argent Financial

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

Strong C&I Loan Production

C&I loans grew at an annualized rate of nearly 13% on an average basis in Q2, despite large paydowns towards the end of the quarter.

Net Interest Margin Expansion

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

Effective Expense Management

Total expenses showed a slight decrease, and the company expects a flat expense run rate for the second half of 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

Daily Earnings Calendar >

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	$37.66	$37.47	-0.50%
Apr 23, 2025	$31.60	$31.69	+0.28%
Jan 22, 2025	$35.08	$36.76	+4.79%
Oct 23, 2024	$31.73	$30.96	-2.43%

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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