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

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Origin Bancorp (OBK - Free Report) reported $109.83 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 21%. EPS of $0.27 for the same period compares to $0.60 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $103.95 million, representing a surprise of +5.66%. The company delivered an EPS surprise of -69.66%, with the consensus EPS estimate being $0.89.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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:
  • Average Balance - Total interest-earning assets: $9.16 billion versus $9.2 billion estimated by two analysts on average.
  • Total nonperforming assets: $88.86 million compared to the $90.56 million average estimate based on two analysts.
  • Net Interest Margin (NIM) - FTE: 3.7% versus the two-analyst average estimate of 3.7%.
  • Net charge-offs to total average LHFI (annualized): 1.7% versus 0.2% estimated by two analysts on average.
  • Total nonperforming LHFI: $88.28 million versus $88.09 million estimated by two analysts on average.
  • Efficiency Ratio: 56.5% compared to the 61.1% average estimate based on two analysts.
  • Total Noninterest Income: $26.13 million versus the two-analyst average estimate of $19.8 million.
  • Net Interest Income: $83.7 million versus $84.16 million estimated by two analysts on average.

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

Shares of Origin Bancorp have returned -4% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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