What is Origin Bancorp's earnings per share (EPS)?

Origin Bancorp (OBK) reported diluted earnings per share of $2.40 for fiscal year 2025. This represents a -2.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Origin Bancorp Financials

OBK

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Origin Bancorp (OBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 36/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Origin Bancorp's revenue declined 4.7% year-over-year, from $564.6M to $538.0M. This contraction results in a growth score of 25/100.

Leverage

Origin Bancorp has elevated debt relative to equity (D/E of 6.80), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Origin Bancorp converts 28.1% of revenue into free cash flow ($151.1M). This strong cash generation earns a score of 95/100.

Returns

Origin Bancorp generates a 6.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is down from 6.7% the prior year.

Piotroski F-Score Neutral

4/9

Origin Bancorp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.11x

For every $1 of reported earnings, Origin Bancorp generates $2.11 in operating cash flow ($158.9M OCF vs $75.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$538.0M

YoY-4.7%

5Y CAGR+18.7%

Origin Bancorp generated $538.0M in revenue in fiscal year 2025. This represents a decrease of 4.7% from the prior year.

EBITDA

N/A

Net Income

$75.2M

YoY-1.7%

5Y CAGR+15.6%

Origin Bancorp reported $75.2M in net income in fiscal year 2025. This represents a decrease of 1.7% from the prior year.

EPS (Diluted)

$2.40

YoY-2.0%

5Y CAGR+9.1%

Origin Bancorp earned $2.40 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 2.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$151.1M

YoY+74.8%

Origin Bancorp generated $151.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 74.8% from the prior year.

Cash & Debt

$424.2M

YoY-9.8%

5Y CAGR+2.4%

Origin Bancorp held $424.2M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.60

YoY+0.0%

5Y CAGR+9.7%

Origin Bancorp paid $0.60 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

31M

YoY-0.7%

Origin Bancorp had 31M shares outstanding in fiscal year 2025. This represents a decrease of 0.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

14.0%

YoY+0.4pp

5Y CAGR-1.9pp

Origin Bancorp's net profit margin was 14.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.4 percentage points from the prior year.

Return on Equity

6.0%

YoY-0.6pp

5Y CAGR+0.4pp

Origin Bancorp's ROE was 6.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$15.8M

5Y CAGR+85.3%

Origin Bancorp spent $15.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$7.9M

YoY-64.3%

5Y CAGR+1.8%

Origin Bancorp invested $7.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 64.3% from the prior year.

OBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$538.0M-4.7%	$564.6M+7.9%	$523.4M+60.3%	$326.6M+35.2%	$241.7M+5.7%	$228.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$207.0M-21.7%	$264.2M+18.0%	$223.8M+336.1%	$51.3M+102.0%	$25.4M-31.6%	$37.2M
Income Tax	$20.4M-1.6%	$20.8M-6.1%	$22.1M+12.1%	$19.7M-17.4%	$23.9M+198.7%	$8.0M
Net Income	$75.2M-1.7%	$76.5M-8.7%	$83.8M-4.5%	$87.7M-19.2%	$108.5M+198.6%	$36.4M
EPS (Diluted)	$2.40-2.0%	$2.45-9.6%	$2.71-17.4%	$3.28-28.7%	$4.60+196.8%	$1.55

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$134.6M-1.1%	$136.1M+1.1%	$134.6M+1.6%	$132.5M-5.2%	$139.8M-3.1%	$144.3M+1.7%	$141.8M+2.2%	$138.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$48.0M-8.6%	$52.4M-0.1%	$52.5M-2.9%	$54.1M-12.0%	$61.5M-11.5%	$69.5M+2.3%	$67.9M+3.9%	$65.4M
Income Tax	$7.9M+236.0%	$2.4M-41.2%	$4.0M-34.6%	$6.1M+64.8%	$3.7M-26.5%	$5.1M-11.8%	$5.7M-7.7%	$6.2M
Net Income	$29.5M+242.3%	$8.6M-41.1%	$14.6M-34.6%	$22.4M+57.0%	$14.3M-23.3%	$18.6M-11.4%	$21.0M-7.3%	$22.6M
EPS (Diluted)	N/A	$0.27-42.6%	$0.47-33.8%	$0.71	N/A	$0.60-10.4%	$0.67-8.2%	$0.73

OBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.7B+0.5%	$9.7B-0.5%	$9.7B+0.4%	$9.7B+23.2%	$7.9B+3.1%	$7.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$424.2M-9.8%	$470.2M+67.7%	$280.4M-21.9%	$359.0M-49.1%	$705.6M+87.1%	$377.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$128.7M0.0%	$128.7M0.0%	$128.7M0.0%	$128.7M+276.8%	$34.2M+27.7%	$26.7M
Total Liabilities	$8.5B-0.6%	$8.5B-1.5%	$8.7B-0.9%	$8.7B+22.5%	$7.1B+2.1%	$7.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.2B+8.9%	$1.1B+7.7%	$1.1B+11.9%	$949.9M+30.1%	$730.2M+12.8%	$647.1M
Retained Earnings	$612.5M+9.8%	$557.9M+11.5%	$500.4M+14.9%	$435.4M+19.7%	$363.6M+36.4%	$266.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$9.7B-0.7%	$9.8B+1.2%	$9.7B-0.7%	$9.8B+0.7%	$9.7B-2.9%	$10.0B+0.2%	$9.9B+0.6%	$9.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$424.2M-32.3%	$626.9M+87.6%	$334.1M-31.3%	$486.2M+3.4%	$470.2M+46.4%	$321.2M+11.5%	$288.1M-1.2%	$291.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$128.7M0.0%	$128.7M0.0%	$128.7M0.0%	$128.7M0.0%	$128.7M0.0%	$128.7M0.0%	$128.7M0.0%	$128.7M
Total Liabilities	$8.5B-1.1%	$8.6B+1.2%	$8.5B-1.1%	$8.6B+0.4%	$8.5B-3.3%	$8.8B-0.3%	$8.9B+0.4%	$8.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.2B+2.6%	$1.2B+0.7%	$1.2B+2.2%	$1.2B+3.1%	$1.1B0.0%	$1.1B+4.5%	$1.1B+1.6%	$1.1B
Retained Earnings	$612.5M+4.2%	$588.1M+0.5%	$585.4M+1.7%	$575.6M+3.2%	$557.9M+1.7%	$548.4M+2.6%	$534.6M+3.1%	$518.3M

OBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$158.9M+46.5%	$108.5M-16.5%	$129.9M-10.8%	$145.6M-15.1%	$171.5M+19233.3%	$887K
Capital Expenditures	$7.9M-64.3%	$22.0M-17.8%	$26.8M+216.9%	$8.5M+68.8%	$5.0M-30.3%	$7.2M
Free Cash Flow	$151.1M+74.8%	$86.4M-16.2%	$103.1M-24.9%	$137.2M-17.6%	$166.5M+2737.8%	-$6.3M
Investing Cash Flow	-$113.7M-149.0%	$231.9M+278.4%	-$130.0M+71.5%	-$456.0M-3648.0%	$12.9M+100.6%	-$2.1B
Financing Cash Flow	-$91.3M+39.4%	-$150.6M-92.1%	-$78.4M-116.0%	-$36.3M-125.2%	$144.1M-93.5%	$2.2B
Dividends Paid	$18.9M+0.7%	$18.7M+1.0%	$18.6M+16.9%	$15.9M+37.8%	$11.5M+30.2%	$8.9M
Share Buybacks	$15.8M	$0	$0	$0-100.0%	$1.3M+73.7%	$723K

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$43.4M-26.8%	$59.3M+187.4%	$20.6M-42.0%	$35.6M+19.0%	$29.9M-24.5%	$39.6M+232.7%	$11.9M-56.2%	$27.1M
Capital Expenditures	$3.6M+40.8%	$2.5M+146.6%	$1.0M+36.1%	$753K-86.2%	$5.4M-25.7%	$7.3M+36.7%	$5.4M+37.3%	$3.9M
Free Cash Flow	$39.9M-29.8%	$56.8M+189.6%	$19.6M-43.7%	$34.8M+42.5%	$24.4M-24.2%	$32.2M+393.6%	$6.5M-71.9%	$23.2M
Investing Cash Flow	-$145.9M-194.8%	$153.9M+341.7%	-$63.7M-9.7%	-$58.0M-114.3%	$404.6M+1173.1%	$31.8M+174.3%	-$42.8M+73.5%	-$161.7M
Financing Cash Flow	-$100.2M-225.9%	$79.6M+173.0%	-$109.0M-383.8%	$38.4M+113.5%	-$285.5M-646.9%	-$38.2M-239.3%	$27.4M-81.2%	$145.6M
Dividends Paid	$4.7M0.0%	$4.7M-0.7%	$4.7M-0.5%	$4.8M+1.6%	$4.7M-0.9%	$4.7M+1.0%	$4.7M+0.1%	$4.7M
Share Buybacks	$1.9M-79.9%	$9.5M	N/A	N/A	$0	$0	N/A	N/A

OBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	14.0%+0.4pp	13.6%-2.5pp	16.0%-10.9pp	26.9%-18.1pp	44.9%+29.0pp	15.9%
Return on Equity	6.0%-0.6pp	6.7%-1.2pp	7.9%-1.3pp	9.2%-5.6pp	14.9%+9.3pp	5.6%
Return on Assets	0.8%-0.0pp	0.8%-0.1pp	0.9%-0.1pp	0.9%-0.5pp	1.4%+0.9pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.80-0.7	7.45-0.7	8.15-1.0	9.20-0.6	9.77-1.0	10.79
FCF Margin	28.1%+12.8pp	15.3%-4.4pp	19.7%-22.3pp	42.0%-26.9pp	68.9%+71.6pp	-2.8%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	21.9%+15.6pp	6.3%-4.5pp	10.9%-6.0pp	16.9%+6.7pp	10.2%-2.7pp	12.9%-1.9pp	14.8%-1.5pp	16.3%
Return on Equity	2.4%+1.7pp	0.7%-0.5pp	1.2%-0.7pp	1.9%+0.6pp	1.3%-0.4pp	1.6%-0.3pp	1.9%-0.2pp	2.1%
Return on Assets	0.3%+0.2pp	0.1%-0.1pp	0.1%-0.1pp	0.2%+0.1pp	0.1%-0.0pp	0.2%-0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.80-0.3	7.06+0.0	7.03-0.2	7.26-0.2	7.45-0.2	7.70-0.4	8.08-0.1	8.17
FCF Margin	29.6%-12.1pp	41.7%+27.1pp	14.6%-11.7pp	26.3%+8.8pp	17.5%-4.9pp	22.4%+17.7pp	4.6%-12.1pp	16.8%

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Frequently Asked Questions

What is Origin Bancorp's annual revenue?

Origin Bancorp (OBK) reported $538.0M in total revenue for fiscal year 2025. This represents a -4.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Origin Bancorp's revenue growing?

Origin Bancorp (OBK) revenue declined by 4.7% year-over-year, from $564.6M to $538.0M in fiscal year 2025.

Is Origin Bancorp profitable?

Yes, Origin Bancorp (OBK) reported a net income of $75.2M in fiscal year 2025, with a net profit margin of 14.0%.

What is Origin Bancorp's net profit margin?

Origin Bancorp (OBK) had a net profit margin of 14.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Origin Bancorp pay dividends?

Yes, Origin Bancorp (OBK) paid $0.60 per share in dividends during fiscal year 2025.

What is Origin Bancorp's return on equity (ROE)?

Origin Bancorp (OBK) has a return on equity of 6.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Origin Bancorp's free cash flow?

Origin Bancorp (OBK) generated $151.1M in free cash flow during fiscal year 2025. This represents a 74.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Origin Bancorp's operating cash flow?

Origin Bancorp (OBK) generated $158.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Origin Bancorp's total assets?

Origin Bancorp (OBK) had $9.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Origin Bancorp's capital expenditures?

Origin Bancorp (OBK) invested $7.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Origin Bancorp buy back shares?

Yes, Origin Bancorp (OBK) spent $15.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Origin Bancorp have outstanding?

Origin Bancorp (OBK) had 31M shares outstanding as of fiscal year 2025.

What is Origin Bancorp's debt-to-equity ratio?

Origin Bancorp (OBK) had a debt-to-equity ratio of 6.80 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Origin Bancorp's return on assets (ROA)?

Origin Bancorp (OBK) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Origin Bancorp's Piotroski F-Score?

Origin Bancorp (OBK) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Origin Bancorp's earnings high quality?

Origin Bancorp (OBK) has an earnings quality ratio of 2.11x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Origin Bancorp?

Origin Bancorp (OBK) scores 36 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.