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

Core Insights - Origin Bancorp reported a revenue of $103.43 million for the quarter ended December 2025, marking a 32.6% increase year-over-year and exceeding the Zacks Consensus Estimate of $100.45 million by 2.97% [1] - The company's earnings per share (EPS) was $0.95, up from $0.46 in the same quarter last year, and also surpassed the consensus EPS estimate of $0.88 by 8.36% [1] Financial Performance Metrics - The efficiency ratio was reported at 60.7%, slightly above the estimated 60.6% by analysts [4] - The net interest margin (NIM) was 3.7%, matching the analysts' average estimate [4] - The average balance of total interest-earning assets was $9.28 billion, exceeding the estimated $9.22 billion [4] - Total nonperforming loans held for investment (LHFI) were $81.18 million, lower than the estimated $89.91 million [4] - Total nonperforming assets stood at $81.88 million, compared to the average estimate of $90.69 million [4] - The net charge-offs to total average LHFI (annualized) was 0.2%, aligning with the analysts' average estimate [4] - Total noninterest income was $16.74 million, surpassing the estimated $15.7 million [4] - Net interest income reached $86.69 million, exceeding the estimated $84.76 million [4] Stock Performance - Shares of Origin Bancorp have returned +8.7% over the past month, significantly outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]