Company Analysis

Origin Bancorp, Inc. (OBK)

TXSE: OBK · State Commercial Banks · Ruston, LA · filing with the SEC since 2011
Grade3.6
◀ Past 2.4● Present 4.8▶ Future 3.8

The grade of Origin Bancorp, Inc.

Nine metrics read from its own filings, by tense
Headline grade
3.6/10
◀ Past2.440% of the headline
● Present4.835% of the headline
▶ Future3.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

2.4/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
1.2/10

Has it survived what it has been through?

2 warning events since 2017; the latest 2026-09-15.

weight 45% of this tense · 12th percentile among 165 sector filers · read for itself

From the record

Origin Bancorp, Inc.'s filings since 2017 show 2 warning events: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2026-09-15) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
5.8/10

What has it actually done, year after year?

+16.2% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 57th percentile among 152 sector filers · read for its customers

From the record

Origin Bancorp, Inc.'s 10 filed years say what it did: revenue went from $139 million in fiscal 2016 to $538 million in fiscal 2025, up 16.2% a year; it rose in 8 of 9 years; the deepest fall was 5% from fiscal 2024 to fiscal 2025; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span16.2%top 39% of its family
  • the share of years revenue rosetop 39% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak4.7%top 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
1.9/10

How has it treated the people who own it?

Share count grew 5.4% a year. 18% of cash flow returned. Insiders: 1 sales, 2 purchases.

weight 33% of this tense · 18th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Origin Bancorp, Inc.'s diluted share count grew about 5.4% a year, and dividends and buybacks returned about 18% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 2 purchases of their own stock on the open market in the year to 2026-11-10, buying about $306 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 18% of its family
  • cash returned against operating cash flowbottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.8/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
4.7/10

Is it financially healthy right now?

ROE 6%: 6¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.

weight 45% of this tense · 47th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Origin Bancorp, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 0.4% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 21% of its family
  • return on equitybottom 16% of its family
  • the share count against the year beforebottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.6/10

How strong is its position in its industry?

bottom 46% of 155 in its family; net margin 14%.

weight 33% of this tense · 46th percentile among 155 sector filers · read for its customers

From the record

Origin Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $538 million in fiscal 2025 ranks in the top 34% by size; a net margin of 14% ranks in the bottom 16%; revenue growth of 18.1% a year over the last 3 filed years ranks in the top 45% (its annual reports).

What it rests on

  • revenue against the family$538Mtop 34% of its family
  • net margin14.0%bottom 16% of its family
  • three-year revenue growth18.1%top 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
5.5/10

What are the people in charge doing?

top 45% of 150 in its family for leadership; chief executive since 2018.

weight 22% of this tense · 55th percentile among 150 sector filers · read for its shareholders

From the record

Origin Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Mills, Drake D. (Chairman, President and CEO, as filed), filing under that title since 2018-05-08, 8.5 years (top 42% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 6.9 years (bottom 43%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 36%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge4 in three years among 17 peopletop 36% of its family
  • the median years the people in charge have filed6.9 yearsbottom 43% of its family
  • the chief executive's years on the record8.5 yearstop 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

3.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
6.5/10

How much room does it have to grow?

top 35% of 142 in its family for room to expand.

weight 33% of this tense · 65th percentile among 142 sector filers · read for itself

From the record

Origin Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $424 million against no long-term debt tagged leaves 4.4% of its assets as net cash, top 38% of its family; cash from operations less capital spending is 28.1% of revenue (top 32%) (its annual report).

What it rests on

  • cash less debt against assets4.4%top 38% of its family
  • cash from operations less capital spending against revenue28.1%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
2.8/10

What could actually drive growth from here?

bottom 28% of 152 in its family for growth drivers.

weight 33% of this tense · 28th percentile among 152 sector filers · read for its customers

From the record

Origin Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18.1% a year over the last three filed years against 16.2% over all 10, speeding up (bottom 36% of its family); the newest year grew -4.7% (bottom 8%); capital spending grew -2.4% a year (bottom 39%) (its annual reports). Origin Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+1.9 points a yearbottom 36% of its family
  • the newest year's revenue growth-4.7%bottom 8% of its family
  • three-year growth of capital spending-2.4%bottom 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
2.1/10

Did its newest year beat what its own record pointed to?

bottom 21% of 150 in its family for expectations against reality.

weight 33% of this tense · 21st percentile among 150 sector filers · read for its shareholders

From the record

Origin Bancorp, Inc.'s newest year against its own record: revenue of $538 million in fiscal 2025 came in 27.5% below the $742 million its prior three years' pace pointed to (bottom 8% of its family); net income of $75 million against a prior three-year average of $83 million (bottom 16%); a net margin of 14% against 18.8% before (bottom 38%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-27.5%bottom 8% of its family
  • net income against the prior three years' average-9%bottom 16% of its family
  • net margin against its prior average-4.8 pointsbottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton OBK · research, not advice