Origin Bancorp (OBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2025, Origin Bancorp (OBK) reported revenue of $103.43 million, up 32.6% over the same period last year. EPS came in at $0.95, compared to $0.46 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $100.45 million, representing a surprise of +2.97%. The company delivered an EPS surprise of +8.36%, with the consensus EPS estimate being $0.88.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Origin Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 60.7% versus 60.6% estimated by two analysts on average.
• Net Interest Margin (NIM) - FTE: 3.7% versus 3.7% estimated by two analysts on average.
• Average Balance - Total interest-earning assets: $9.28 billion versus the two-analyst average estimate of $9.22 billion.
• Total nonperforming LHFI: $81.18 million versus $89.91 million estimated by two analysts on average.
• Total nonperforming assets: $81.88 million compared to the $90.69 million average estimate based on two analysts.
• Net charge-offs to total average LHFI (annualized): 0.2% versus the two-analyst average estimate of 0.2%.
• Total Noninterest Income: $16.74 million versus $15.7 million estimated by two analysts on average.
• Net Interest Income: $86.69 million versus $84.76 million estimated by two analysts on average.

View all Key Company Metrics for Origin Bancorp here>>>

Shares of Origin Bancorp have returned +8.7% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

 
Origin Bancorp, Inc. (OBK): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

Zacks Investment Research