If You Invested in Origin Bancorp (OBK)
Looking for the live price? See the OBK quote & overviewWhat $1,000 or $10,000 in OBK Would Be Worth Today
Real historical value by amount invested and how long ago| If you invested | 1 year ago | 5 years ago | 10 years ago | Since May 9, 2018 |
|---|---|---|---|---|
| $1,000 | $1,373 +37% | $1,238 +24% | — | $1,371 +37% |
| $10,000 | $13,726 +37% | $12,381 +24% | — | $13,715 +37% |
Based on real historical closing prices through the latest market close. Past performance does not guarantee future results.
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Choose your own date and amount for OBK$1,000 Investment Over Time
OBK vs S&P 500Year-by-Year Returns
OBK annual performance| Year | Start Price | End Price | Annual Return | Cumulative |
|---|---|---|---|---|
| 2018 | $37.50 | $34.08 | -9.1% | -9.1% |
| 2019 | $35.02 | $37.84 | +8.1% | +0.9% |
| 2020 | $37.16 | $27.77 | -25.3% | -25.9% |
| 2021 | $27.59 | $42.92 | +55.6% | +14.5% |
| 2022 | $43.52 | $36.70 | -15.7% | -2.1% |
| 2023 | $36.33 | $35.57 | -2.1% | -5.1% |
| 2024 | $35.30 | $33.29 | -5.7% | -11.2% |
| 2025 | $33.30 | $37.61 | +12.9% | +0.3% |
| 2026 | $37.64 | $51.43 | +36.6% | +37.1% |
About Origin Bancorp
State Commercial Banks · NYSE
Origin Bancorp, Inc. (NYSE: OBK) is a financial holding company in the commercial banking industry, operating within the finance and insurance sector. According to company disclosures, Origin Bancorp is the holding company for Origin Bank, a community-focused institution that traces its roots to 1912, when Origin Bank was founded in Choudrant, Louisiana. Origin Bancorp is headquartered in Ruston, Louisiana and trades on the New York Stock Exchange under the ticker symbol OBK.
The company states that it principally operates in one business segment, community banking. Origin Bancorp, through Origin Bank, is engaged in attracting deposits from individuals and businesses and using these deposits and borrowed funds to originate commercial, residential mortgage, construction, and consumer loans. The bank’s activities include originating loans and managing a loan portfolio that encompasses commercial and industrial lending, commercial real estate, residential real estate, construction and land development, mortgage warehouse lines of credit, and consumer lending, as reflected in its earnings discussions and credit quality disclosures.
Origin Bancorp indicates that it serves a range of client types, including businesses, municipalities, high-net-worth individuals, and retail clients. Company descriptions emphasize a culture of personalized relationship banking for businesses, municipalities, and personal clients, with the stated goal of enriching the lives of people in the communities it serves. Origin provides a broad range of financial services and reports operating more than 56 locations across Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, South Alabama, and the Florida Panhandle.
In addition to traditional banking services, Origin Bancorp reports that it offers insurance agency products and services through its wholly owned insurance agency subsidiary, Forth Insurance, LLC. The company’s earnings releases also reference noninterest income from insurance commissions and fee income, highlighting insurance as a complementary line of business alongside its core lending and deposit activities.
Business model and revenue sources
According to Origin Bancorp’s descriptions and earnings materials, the bank generates the majority of its revenue from interest earned on loans and investments, along with service charges and fees on deposit accounts. Net interest income is a central performance metric discussed in quarterly earnings releases, reflecting the spread between interest income on loans and investment securities and interest expense on deposits and borrowings. The company also reports noninterest income components such as mortgage banking revenue, insurance commission and fee income, changes in fair value of equity investments, equity method investment income, and other income.
The company’s financial disclosures describe how loan and deposit balances, funding mix, and securities portfolio strategies affect net interest income and net interest margin. Origin Bancorp’s loan portfolio includes loans held for investment across categories such as commercial and industrial, commercial real estate, residential real estate, construction/land/land development, and mortgage warehouse lines of credit. Deposits include noninterest-bearing and interest-bearing accounts, with management commentary noting the impact of deposit mix and pricing on funding costs.
Geographic footprint and community banking focus
Origin Bancorp identifies itself as a community banking organization with a footprint spanning several markets in the southern United States. The company reports more than 56 locations in Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, South Alabama, and the Florida Panhandle. Its public descriptions emphasize a long-standing presence in Louisiana and an expansion into what it characterizes as dynamic growth markets, supported by comments in earnings releases about its positioning in those markets.
The bank’s community banking orientation is reflected in its focus on relationship-based services for businesses, municipalities, and personal clients. Origin Bancorp’s communications highlight efforts to align its branch network, commercial banking teams, and mortgage operations with its financial performance objectives and community focus, including actions such as branch consolidation and mortgage business restructuring described in its 2025 earnings materials.
Risk management, credit quality, and capital actions
Origin Bancorp’s quarterly earnings releases and Form 8-K filings provide detail on credit quality, including metrics such as past due loans, nonperforming loans held for investment, allowance for loan credit losses (ALCL), classified loans, and net charge-offs. The company discusses provision for credit losses and the impact of specific credit events, such as suspected borrower fraud related to a loan relationship with Tricolor Holdings, LLC and questioned banker activity in its East Texas market, both of which have affected provisions and net charge-offs.
The company also reports on capital management activities, including stock repurchase programs and share repurchases executed during reporting periods. Earnings releases describe repurchases of common stock and board authorization of a stock repurchase program for up to a specified dollar amount over a multi-year period. In addition, Origin Bancorp discloses periodic cash dividends on its common stock, with Form 8-K filings documenting board declarations of quarterly cash dividends and related payment and record dates.
Strategic initiatives: Optimize Origin
In 2025, Origin Bancorp introduced an initiative referred to as “Optimize Origin”, described in multiple earnings releases. The company characterizes Optimize Origin as a plan to drive what it calls elite financial performance and enhance its culture. According to these disclosures, the initiative is built on three primary pillars: Productivity, Delivery & Efficiency; Balance Sheet Optimization; and Culture & Employee Engagement.
Origin Bancorp’s earnings materials state that near-term targets under Optimize Origin are being addressed through actions such as branch consolidation, headcount reduction, securities optimization, capital optimization, cash and liquidity management, mortgage restructuring, and other efficiency measures. The company provides estimates of expected earnings improvement on a pre-tax, pre-provision basis associated with these actions and notes that these measures have contributed to changes in net interest income, net interest margin, and noninterest expense.
Regulatory reporting and investor communications
As a public company, Origin Bancorp files reports with the U.S. Securities and Exchange Commission (SEC) under the Exchange Act, including Form 8-K current reports. Recent 8-K filings document quarterly earnings releases, conference call announcements, dividend declarations, and certain corporate governance and credit events. For example, the company has filed 8-Ks related to its quarterly results of operations, earnings conference calls and webcasts, board decisions on dividends, and developments involving specific borrowers.
Origin Bancorp regularly hosts investor conference calls and webcasts to review quarterly and annual financial results. These events are announced via press releases and 8-K filings, and the company indicates that presentation materials containing information about operations and financial performance are made available in connection with these calls.
Insurance and other noninterest activities
Beyond core lending and deposit-taking, Origin Bancorp’s disclosures highlight its wholly owned insurance agency subsidiary, Forth Insurance, LLC, through which it offers insurance agency products and services. Earnings releases reference insurance commission and fee income as a component of noninterest income, including seasonal patterns in contingency fee income. The company also reports activity related to equity investments and limited partnership investments, including fair value adjustments and equity method investment income, such as its increased ownership in Argent Financial and the resulting change to equity method accounting.
Stock information and investor profile
Origin Bancorp’s common stock is listed on the New York Stock Exchange under the symbol OBK. As a financial holding company in the commercial banking industry, its shares may be of interest to investors who follow regional and community banks, income-oriented investors who track dividend-paying financial institutions, and those analyzing credit quality trends, net interest margin performance, and capital management strategies in the banking sector.
Key characteristics of Origin Bancorp, Inc.
- Financial holding company headquartered in Ruston, Louisiana
- Holding company for Origin Bank, founded in 1912 in Choudrant, Louisiana
- Operates primarily in one segment: community banking
- Engages in attracting deposits and originating commercial, residential mortgage, construction, and consumer loans
- Serves businesses, municipalities, high-net-worth individuals, and retail/personal clients
- Operates more than 56 locations across Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, South Alabama, and the Florida Panhandle
- Offers insurance agency products and services through wholly owned subsidiary Forth Insurance, LLC
- Publicly traded on NYSE under ticker OBK, with regular earnings releases, conference calls, and dividend disclosures
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Frequently Asked Questions
Origin Bancorp investment returns
How much would $1,000 invested in Origin Bancorp be worth today?
If you invested $1,000 in Origin Bancorp (OBK) 5 years ago on 2021-07-07, your investment would be worth $1,238 today, representing a +23.8% total return, growing at a compounded rate of 4.4% per year (CAGR).
Has Origin Bancorp outperformed the S&P 500?
Comparison data requires at least 10 years of trading history. Use the calculator above to compare OBK performance over available time periods.
What is Origin Bancorp's average annual return?
The compound annual growth rate (CAGR) of OBK over the past 5 years is 4.4%, growing at a compounded rate each year. Individual years vary significantly — OBK's best recent year was 2021 (+55.6%) and worst was 2020 (-25.3%).
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