Here's What Key Metrics Tell Us About Origin Bancorp (OBK) Q3 Earnings

Core Insights - Origin Bancorp reported revenue of $109.83 million for the quarter ended September 2025, marking a year-over-year increase of 21% and exceeding the Zacks Consensus Estimate of $103.95 million by 5.66% [1] - The company's EPS for the same period was $0.27, a significant decrease from $0.60 a year ago, resulting in an EPS surprise of -69.66% compared to the consensus estimate of $0.89 [1] Financial Performance Metrics - Total interest-earning assets were reported at $9.16 billion, slightly below the estimated $9.2 billion [4] - Total nonperforming assets amounted to $88.86 million, which is better than the average estimate of $90.56 million [4] - The Net Interest Margin (NIM) was reported at 3.7%, matching the average estimate [4] - Net charge-offs to total average LHFI (annualized) were 1.7%, significantly higher than the estimated 0.2% [4] - Total nonperforming LHFI was $88.28 million, slightly above the estimated $88.09 million [4] - The Efficiency Ratio was reported at 56.5%, better than the average estimate of 61.1% [4] - Total Noninterest Income was $26.13 million, exceeding the average estimate of $19.8 million [4] - Net Interest Income was reported at $83.7 million, slightly below the estimated $84.16 million [4] Stock Performance - Shares of Origin Bancorp have returned -4% over the past month, while the Zacks S&P 500 composite has increased by +1.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]