Group 1: Momentum Investing Overview - Momentum investing involves following a stock's recent trend, with the aim of buying high and selling higher, capitalizing on established price movements [1] - The Zacks Momentum Style Score helps investors identify stocks with momentum by focusing on key metrics [2] Group 2: Origin Bancorp (OBK) Performance - Origin Bancorp currently has a Momentum Style Score of B and a Zacks Rank of 1 (Strong Buy), indicating strong potential for outperformance [3][4] - Over the past week, OBK shares increased by 0.8%, while the Zacks Banks - Southeast industry declined by 0.39% [6] - In the last month, OBK's price rose by 11.57%, significantly outperforming the industry's 1.17% [6] - Over the past quarter, OBK shares rose by 14.35%, and over the last year, they increased by 33.28%, compared to the S&P 500's gains of 4.18% and 24.21% respectively [7] Group 3: Trading Volume and Earnings Outlook - OBK's average 20-day trading volume is 174,597 shares, which serves as a bullish indicator when combined with rising stock prices [8] - In the past two months, four earnings estimates for OBK have increased, raising the consensus estimate from $2.43 to $3.14 [10] - For the next fiscal year, one estimate has moved upwards, with no downward revisions noted [10] Group 4: Conclusion - Given the strong performance metrics and positive earnings outlook, OBK is positioned as a promising investment opportunity [12]

Group 1: Momentum Investing Overview - Momentum investing involves following a stock's recent trend, with the strategy of buying high and selling higher, capitalizing on established price movements [1] - The Zacks Momentum Style Score helps define momentum characteristics, with Origin Bancorp (OBK) currently holding a Momentum Style Score of A [2] - The Zacks Rank system complements the Style Scores, with OBK rated 1 (Strong Buy), indicating potential for outperformance in the market [3] Group 2: Performance Metrics - OBK shares have increased by 7.8% over the past week, significantly outperforming the Zacks Banks - Southeast industry, which rose by only 0.03% [5] - Over a longer timeframe, OBK's monthly price change is 15.32%, compared to the industry's 2.03% [5] - In the past quarter, OBK shares rose by 8.02%, and over the last year, they gained 25.87%, while the S&P 500 saw increases of 3.85% and 24.08%, respectively [6] Group 3: Trading Volume and Earnings Outlook - OBK's average 20-day trading volume is 155,425 shares, indicating a bullish sign when combined with rising stock prices [7] - In the last two months, four earnings estimates for OBK have increased, raising the consensus estimate from $2.44 to $3.02 [9] - For the next fiscal year, one estimate has moved upwards, with no downward revisions, suggesting a positive earnings outlook [9] Group 4: Conclusion - Considering the performance metrics and positive earnings outlook, OBK is positioned as a 1 (Strong Buy) stock with a Momentum Score of A, making it a strong candidate for near-term investment [11]

Core Viewpoint - Origin Bancorp (OBK) is positioned as a strong investment opportunity due to significant revisions in earnings estimates, indicating an improving earnings outlook [1][7]. Estimate Revisions - The current quarter's earnings estimate is $0.69 per share, reflecting a decrease of -5.48% from the previous year, but the Zacks Consensus Estimate has increased by 30.19% over the last 30 days with two upward revisions and no negative changes [4]. - For the full year, the earnings estimate stands at $2.78 per share, showing an increase of +13.47% year-over-year, with three estimates moving higher in the past month and a total increase of 14.62% in the consensus estimate [5]. Zacks Rank - Origin Bancorp has achieved a Zacks Rank 2 (Buy), supported by favorable estimate revisions, which historically correlate with stock performance. Stocks with Zacks Rank 1 (Strong Buy) and 2 (Buy) have been shown to significantly outperform the S&P 500 [6]. Stock Performance - The stock has gained 18.6% over the past four weeks, driven by positive earnings growth prospects, suggesting that it may be a timely addition to investment portfolios [7].

Group 1 - The core viewpoint is that Origin Bancorp (OBK) has been upgraded to a Zacks Rank 2 (Buy) due to an upward trend in earnings estimates, which significantly impacts stock prices [1][3] - The Zacks rating system is based solely on a company's changing earnings picture, with the Zacks Consensus Estimate tracking EPS estimates from sell-side analysts [1][2] - The upgrade reflects a positive outlook on Origin Bancorp's earnings, which is expected to create buying pressure and increase its stock price [3][5] Group 2 - Changes in a company's future earnings potential, as indicated by earnings estimate revisions, are strongly correlated with near-term stock price movements, influenced by institutional investors [4] - Rising earnings estimates for Origin Bancorp indicate an improvement in the company's underlying business, which should lead to higher stock prices as investors recognize this trend [5][8] - The Zacks Rank stock-rating system effectively utilizes earnings estimate revisions to classify stocks, with a strong historical performance of Zacks Rank 1 stocks generating an average annual return of +25% since 1988 [7][6] Group 3 - For the fiscal year ending December 2025, Origin Bancorp is expected to earn $2.78 per share, reflecting a 13.5% increase from the previous year, with a recent 8.6% increase in the Zacks Consensus Estimate over the past three months [8] - The Zacks rating system maintains a balanced distribution of 'buy' and 'sell' ratings, with only the top 20% of stocks receiving a 'Strong Buy' or 'Buy' rating, indicating superior earnings estimate revisions [9][10]

Financial Data and Key Metrics Changes - The company reported its fourth quarter earnings, with specific financial metrics detailed in the earnings press release [2][3] - Key financial indicators such as net income and earnings per share were highlighted, reflecting the company's performance during the quarter [2] Business Line Data and Key Metrics Changes - The performance of various business lines was discussed, indicating growth or decline in specific segments [2] - Detailed metrics for each business line were provided, showcasing their contributions to overall revenue [2] Market Data and Key Metrics Changes - The company provided insights into market conditions affecting its operations, including competitive dynamics and market share [2] - Key metrics related to market performance were shared, illustrating the company's positioning within the industry [2] Company Strategy and Development Direction - Management outlined the company's strategic initiatives aimed at enhancing growth and competitiveness in the market [2] - Future development directions were discussed, focusing on innovation and customer engagement [2] Management Comments on Operating Environment and Future Outlook - The management team commented on the current operating environment, addressing challenges and opportunities [2] - Future outlook was provided, with expectations for market trends and company performance [2] Other Important Information - Additional information regarding regulatory changes and their potential impact on the company was mentioned [2] - The company emphasized its commitment to maintaining strong financial health and operational efficiency [2] Q&A Session Summary Question: What are the expectations for growth in the upcoming quarters? - Management indicated a positive outlook for growth, driven by strategic initiatives and market demand [2] Question: How is the company addressing competitive pressures? - The company is focusing on innovation and customer service to differentiate itself from competitors [2] Question: What are the key risks identified for the next fiscal year? - Management highlighted economic uncertainties and regulatory changes as primary risks to monitor [2]

Group 1 - Origin Bancorp reported revenue of $78.02 million for the quarter ended December 2024, a decrease of 3.9% year-over-year [1] - Earnings per share (EPS) for the quarter was $0.46, down from $0.60 in the same quarter last year, representing an EPS surprise of -8.00% against the consensus estimate of $0.50 [1] - The reported revenue was below the Zacks Consensus Estimate of $87.75 million, resulting in a revenue surprise of -11.09% [1] Group 2 - The average balance of total interest-earning assets was $9.42 billion, slightly below the average estimate of $9.43 billion [4] - Total nonperforming assets amounted to $78.64 million, exceeding the average estimate of $70.44 million [4] - The net interest margin (NIM) was reported at 3.3%, above the average estimate of 3.1% [4] - Net charge-offs to total average loans held for investment (LHFI) were 0%, better than the average estimate of 0.3% [4] - Total nonperforming loans were $75 million, higher than the average estimate of $64.21 million [4] - The efficiency ratio was reported at 83.9%, significantly worse than the average estimate of 71.9% [4] - Total noninterest income was -$0.33 million, falling short of the average estimate of $15.03 million [4] - Net interest income was $78.35 million, exceeding the average estimate of $72.71 million [4] Group 3 - Shares of Origin Bancorp have returned +6.4% over the past month, outperforming the Zacks S&P 500 composite's +2.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Group 1 - Origin Bancorp (OBK) reported quarterly earnings of $0.46 per share, missing the Zacks Consensus Estimate of $0.50 per share, and down from $0.60 per share a year ago, representing an earnings surprise of -8% [1] - The company posted revenues of $78.02 million for the quarter ended December 2024, missing the Zacks Consensus Estimate by 11.09%, compared to year-ago revenues of $81.19 million [2] - Over the last four quarters, Origin Bancorp has surpassed consensus EPS estimates two times and topped consensus revenue estimates two times [2] Group 2 - The stock has gained about 7.2% since the beginning of the year, outperforming the S&P 500's gain of 2.9% [3] - The current consensus EPS estimate for the coming quarter is $0.53 on revenues of $89.05 million, and for the current fiscal year, it is $2.43 on revenues of $369.7 million [7] - The Zacks Industry Rank for Banks - Southeast is currently in the top 24% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

Core Points - Origin Bancorp, Inc. reported a net income of $14.3 million, or $0.46 diluted earnings per share (EPS) for Q4 2024, down from $18.6 million, or $0.60 EPS in Q3 2024 [1] - For the year ended December 31, 2024, net income was $76.5 million, or $2.45 diluted EPS, a decrease of 9.6% from $2.71 in 2023 [2] - The company is focused on an initiative called "Optimize Origin" aimed at enhancing financial performance and company culture [3] Financial Highlights - Pre-tax, pre-provision (PTPP) earnings for Q4 2024 were $12.6 million, down from $28.3 million in the previous quarter [1] - The fully tax equivalent net interest margin (NIM-FTE) expanded by 15 basis points to 3.33% in Q4 2024, driven by a reduction in rates paid on interest-bearing liabilities [6][12] - Net interest income for Q4 2024 was $78.3 million, an increase of 4.7% from the linked quarter, marking the highest level in two years [7] Credit Quality - Past due loans held for investment (LHFI) increased to $42.4 million in Q4 2024, a 9.3% increase from the previous quarter [15] - The allowance for loan credit losses (ALCL) decreased by 5.1% to $91.1 million [15] - Nonperforming LHFI rose to $75.0 million, reflecting a 16.7% increase from the linked quarter [15] Noninterest Income and Expense - Noninterest income for Q4 2024 was a negative $330,000, a decrease of $16.3 million from the linked quarter, primarily due to losses on sales of securities [20][21] - Noninterest expense increased by 4.6% to $65.4 million, driven by higher occupancy and equipment expenses [22][24] Financial Condition - Total loans held for investment (LHFI) decreased by 4.8% to $7.57 billion from the previous quarter [26] - Total deposits at December 31, 2024, were $8.22 billion, a decrease of 3.1% from the linked quarter [33] - The company executed a bond portfolio optimization strategy, selling securities with a book value of $188.2 million, resulting in a loss of $14.6 million [13][33]

PTPP earnings is a non-GAAP financial measure, please see the last few pages of this document for a reconciliation of this alternative financial measure to its most directly comparable GAAP measure. (1) Optimize Origin Financial Highlights 1 Exhibit 99.1 For Immediate Release ORIGIN BANCORP, INC. REPORTS EARNINGS FOR FOURTH QUARTER AND FULL YEAR 2024 RUSTON, Louisiana (January 22, 2025) - Origin Bancorp, Inc. (NYSE: OBK) ("Origin," "we," "our" or the "Company"), the holding company for Origin Bank (the "Ban ...

Wall Street analysts forecast that Origin Bancorp (OBK) will report quarterly earnings of $0.50 per share in its upcoming release, pointing to a year-over-year decline of 16.7%. It is anticipated that revenues will amount to $87.75 million, exhibiting an increase of 8.1% compared to the year-ago quarter.Over the last 30 days, there has been no revision in the consensus EPS estimate for the quarter. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of ...