OBK

This article first appeared on GuruFocus. Net Income: $33.8 million for Q2 2026. Diluted Earnings Per Share (EPS): $1.09, the strongest quarterly performance since Q4 2021. Return on Average Assets (ROA): 1.35% for the quarter. Net Interest Margin: Expanded by 21 basis points to 3.92%. Net Interest Income: $92.2 million, a 5.7% sequential increase. Noninterest Income: $15.4 million for Q2 2026. Noninterest Expense: $64.4 million for Q2 2026. Loan Growth: 2.7% sequentially, 1.9% excluding mortgage warehouse. Noninterest-Bearing Deposits: Increased by nearly $200 million, now 26% of total deposits. Net Charge-Offs: $454,000 for the quarter, with annualized net charge-offs at 0.02%. Allowance for Credit Losses: Declined by $827,000 to $98.2 million. Tangible Book Value: Grew to $36.37, marking the 15th consecutive quarter of growth. Share Repurchase: 217,034 shares repurchased at an average price of $46.60. Dividend: Continued returning capital through an increased quarterly dividend. Warning! GuruFocus has detected 7 Warning Sign with BOM:543300. Is OBK fairly valued? Test your thesis with our free DCF calculator. Release Date: July 23, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Origin Bancorp Inc (NYSE:OBK) reported strong net income, ROA, and ROE results in the second quarter, demonstrating consistent financial performance. The company successfully expanded into Birmingham, Alabama, and added 12 experienced bankers, enhancing its market presence. Noninterest-bearing deposits increased nearly $200 million during the quarter, now comprising 26% of total deposits, indicating strong primary banking relationships. Loan growth was robust, particularly in Texas and Southeast markets, with a significant portion in C&I and owner-occupied commercial real estate. The company maintained a disciplined approach to credit standards, with sound and improving credit metrics, including a decrease in nonperforming assets and low net charge-offs. Total deposits declined 0.6% during the quarter, consistent with seasonal trends, which could impact future growth if not addressed. Noninterest income decreased from the previous quarter due to normal seasonality in the insurance business, tracking toward the lower end of the prior outlook. There is increasing competition in loan pricing and terms, which could pressure margins and affect future profitability. The company faces potential impacts from the Durbin Amendment, expected to affect earnings by $4 million to $4.5 million mid-next year. Despite strong performance, there is acknowledgment of potential pricing pressures and NIM pressures in 2027, which could slow growth momentum. Q: Can you provide more details on the loan growth and pipeline, particularly in Texas and Southeast markets? A: Lance Hall, President and CEO of Origin Bank, highlighted that the loan growth is driven by dynamic markets like Houston, Dallas, and Birmingham. The average loan size is about $590,000, with over 50% of growth in C&I. New loans are priced around 6.4%, and the bank is seeing strong full relationships and treasury management revenue growth. Despite competitive pressures, the pipeline remains strong due to strategic hires and market opportunities. Q: What are your expectations for deposit growth in the second half of the year, and how might this affect deposit costs? A: Lance Hall noted that new deposit costs are around 2.7%. The bank expects deposit growth to resume in Q4 due to seasonal factors and strong new account openings, which have nearly doubled year-over-year. The focus on C&I clients and market dislocation is driving this growth, and the bank is confident in its ability to fund loan growth. Q: How sustainable is the growth in noninterest-bearing deposits, and what impact might this have on deposit costs? A: Drake Mills, Chairman and CEO, believes the growth in noninterest-bearing deposits is very sticky due to market disruption and a focus on C&I relationships. This growth is expected to positively impact the overall cost of deposits, as these are some of the stickiest dollars the bank has. Q: Can you provide more insight into the impact of crossing the $10 billion asset mark and the Durbin Amendment? A: Drake Mills confirmed that the bank has crossed the $10 billion mark, with most costs behind them. The Durbin Amendment will impact them mid-next year, costing around $4 million to $4.5 million. The bank plans to offset this through strategic relationships and growth. Q: What are the expectations for recruiting and hiring in the second half of the year? A: Lance Hall stated that while the pace of hiring may not match the first half, strategic hires will continue. The focus remains on C&I bankers and specialists to capitalize on market opportunities. The bank has reduced the number of producers from 123 to under 100, focusing on higher productivity. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Interested in Origin Bancorp, Inc.? Here are five stocks we like better. Origin Bancorp delivered its strongest quarterly earnings since late 2021, with diluted EPS of $1.09 and net income of $33.8 million. Management said its “Optimize Origin” initiative is driving better profitability, disciplined growth and improved client acquisition. Loan and deposit trends remained solid, led by Texas and Southeast markets. Loans grew 2.7% sequentially, noninterest-bearing deposits rose to 26% of total deposits, and management said deposit account openings surged as the bank won more primary relationships. Margins, credit quality and capital returns all improved. Net interest margin expanded to 3.92%, credit metrics reached five-quarter highs for quality, and Origin continued buybacks and dividend growth while raising its share repurchase authorization. Origin Bancorp (NYSE:OBK) reported stronger second-quarter earnings as management said its “Optimize Origin” initiative is translating into improved profitability, disciplined growth and stronger client acquisition across its footprint. The company reported diluted earnings per share of $1.09 and net income of $33.8 million for the second quarter. Chief Financial Officer Wally Wallace said the result represented Origin’s strongest quarterly earnings performance since the fourth quarter of 2021. Return on average assets was 1.35%, above the company’s near-term run-rate objective of 1.15%, while pre-tax, pre-provision return on average assets was 1.73%. → Could Truth API Become Trump Media’s First Meaningful Revenue Driver? Chairman, President and Chief Executive Officer Drake Mills said the quarter reflected progress from work begun about 18 months ago under Optimize Origin, which he described as a strategy focused on stronger financial performance, capital allocation, technology investment, talent recruitment and client service. “What encourages me most is the consistency of our performance,” Mills said. “Optimize Origin has become the way we operate.” → 3 Photonics Companies Making Quantum Tech Possible President and CEO of Origin Bank Lance Hall said the company continued to benefit from what management described as disruption across its markets, particularly in banker and client acquisition. Since April 1, Origin added 12 experienced bankers, following 15 additions in the first quarter. The company also expanded into Birmingham, Alabama, with a local team of experienced bankers and added production talent in North Texas, Houston, East Texas and Mississippi. Hall said year-to-date growth included $196 million in commercial and industrial and owner-occupied commercial real estate loans, $167 million in other commercial real estate categories and $61 million in mortgage warehouse lending. Through the first half of the year, Texas and Southeast markets generated $323 million of loan growth, including about $250 million from Texas on approximately $860 million of new loan production. → AeroVironment’s Stock Is Down, But Drone Demand Is Taking Off Wallace said total loans grew 2.7% sequentially in the quarter and 1.9% excluding mortgage warehouse loans. Management said it continues to target loan and deposit growth in the mid- to high-single-digit range for the year, while tracking toward the higher end of that range. During the question-and-answer session, Hall said the primary drivers of loan growth were Texas and the Southeast, though all markets contributed. He said more than 50% of year-to-date loan growth has come from C&I lending, and that the company’s average loan size remains about $590,000. Hall said new loans in the most recent month were coming in at about 6.4%. Hall also said the company is seeing pricing and term pressure from competitors, including more frequent offers of non-recourse structures, but said Origin intends to remain conservative in its credit approach. Origin’s total deposits declined 0.6% during the quarter, which Wallace said was consistent with seasonal trends. However, noninterest-bearing deposits increased 9.6% sequentially and 5.2% on an average basis, ending the quarter at 26% of total deposits, or 25% on an average basis. Hall said noninterest-bearing deposit growth was evidence that Origin’s bankers are winning primary banking relationships. Deposit account openings increased more than 36% year over year in the first half of the year, and June account openings were up 82% year over year. In response to an analyst question, Hall said the company opened more than 1,800 new deposit accounts in June, compared with just under 1,000 a year earlier. Hall attributed the growth to a combination of lift-outs, market disruption and dissatisfaction among clients of some competitors. He said new deposit costs were about 2.7%. Wallace said net interest margin expanded 21 basis points during the quarter to 3.92%, exceeding the company’s expectations. Net interest income rose 5.7% sequentially to $92.2 million, despite a 1% decline in average earning assets. The margin improvement was driven by stronger loan yields, slightly lower deposit costs and the runoff of excess liquidity tied to normal seasonality. Wallace said Origin removed any Federal Reserve rate actions from its forecast for the remainder of the year and expects margin to remain relatively flat. Combined with balance sheet growth expectations, the company now anticipates net interest income growth in the high-single digits for both the full year and fourth-quarter-over-fourth-quarter basis. In response to a question from Raymond James analyst Michael Rose, Wallace said the quarter included about three basis points of benefit from interest reversals or recoveries on nonaccrual loans. He also noted that approximately $250 million of fixed-rate loans are expected to reprice or pay off in the back half of the year, with the company picking up about 160 to 170 basis points based on current pricing. Chief Risk Officer Jim Crotwell said Origin experienced “sound and improving credit metrics” during the quarter. Total past dues 30 to 89 days and accruing declined to 0.06%, the lowest level in the past five quarters. Net charge-offs totaled $454,000, benefiting from $2 million in recoveries, and annualized net charge-offs were 0.02% for the quarter and 0.08% year to date. Nonperforming assets declined $9 million to 0.98% of loans, also the lowest level in the past five quarters. Classified assets decreased to 1.79% from 1.97% in the prior quarter. Origin’s allowance for credit losses declined $827,000 to $98.2 million, or 1.30% of total loans net of mortgage warehouse, down from 1.34%. Crotwell said the company continues to have capacity to grow acquisition, development and construction, and commercial real estate lending, with ADC loans at 51% of total risk-based capital and CRE at 237%. Wallace said tangible book value increased sequentially to $36.37, marking the 15th consecutive quarter of growth. The tangible common equity ratio ended the quarter at 11.1%. Origin repurchased 217,034 shares during the quarter at an average price of $46.60, and its board increased the share repurchase authorization by $100 million, leaving $121.6 million remaining. The company also continued returning capital through its recently increased quarterly dividend. Wallace said Origin’s balance sheet, earnings profile and capital position give it flexibility to invest in growth and return capital to shareholders. Management also addressed the company’s crossing of the $10 billion asset threshold. Hall said Origin has “completely crossed it” and that the Durbin Amendment impact is expected to begin mid-year next year, with an estimated effect of $4 million to $4.5 million. He said the company is working to offset that impact and has most of the related cost behind it. Mills said Origin remains focused on becoming a top-quartile performer over the next three years, while continuing to invest in talent, technology, automation and artificial intelligence. He said the company will pursue growth opportunities but not at the expense of the return targets it is attempting to achieve. “The results we’re discussing today aren’t the destination,” Mills said. “It’s evidence that the transformation is working.” Origin Bancorp, Inc (NYSE: OBK) is a bank holding company based in Atlanta, Georgia, and is the parent of Origin Bank, a full-service commercial banking franchise. The company provides a broad range of financial products and services to individuals, small and middle-market businesses, and institutional clients across the southeastern United States. Through Origin Bank, the company offers a variety of deposit products, including checking and savings accounts, money market accounts, and certificates of deposit. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Origin Bancorp Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

Regional banking company Origin Bancorp (NYSE:OBK) met Wall Street’s revenue expectations in Q2 CY2026, with sales up 12.1% year on year to $107.6 million. Its non-GAAP profit of $1.09 per share was 9.3% above analysts’ consensus estimates. Is now the time to buy OBK? Find out in our full research report (it’s free). Revenue: $107.6 million vs analyst estimates of $108 million (12.1% year-on-year growth, in line) Adjusted EPS: $1.09 vs analyst estimates of $1.00 (9.3% beat) Market Capitalization: $1.60 billion Origin Bancorp’s Q2 results met Wall Street’s revenue expectations, with year-on-year growth driven by disciplined lending and market share gains in key regions. Management attributed the performance to its targeted hiring strategy, strong credit metrics, and a focus on relationship banking. CEO Drake Mills highlighted, “The opportunities we discussed over the last several quarters continue to grow. The disruption we’re seeing across our markets continues to create opportunities.” Investments in new markets and technology further supported Origin’s positioning during a period of industry dislocation. Looking ahead, Origin Bancorp’s strategic priorities center on leveraging talent recruitment, technology upgrades, and market disruptions to sustain growth. Management believes continued pipeline expansion, focus on core deposit generation, and disciplined pricing will be critical. CFO Wally Wallace noted that margin expansion may plateau, but loan and deposit growth are expected to remain in the mid to high single digits for the year. The company is maintaining its commitment to balancing profitability and growth, while monitoring competitive pressures and the evolving regulatory landscape. Management pointed to disciplined loan growth, successful banker recruitment, and technology-driven efficiency as central to Q2 performance and future guidance. Loan growth concentrated in Texas and Southeast: Lending activity was notably strong in Houston, Dallas, Birmingham, and surrounding regions, reflecting targeted market investments and recruiting of local talent. Over 50% of loan growth came from commercial and industrial (C&I) lending, which management described as granular and well-diversified. Banker lift-outs accelerate client acquisition: Origin added 12 experienced bankers in Q2 and 15 in Q1, focusing on markets experiencing disruption. This talent influx enabled deeper relationships with clients and underpinned both loan and deposit growth. The Birmingham market entry exemplifies this lift-out strategy. Deposit account openings surge: Noninterest-bearing deposit growth was emphasized, with account openings up more than 36% year-over-year and June new account activity up 82% year-over-year. Management views this as a sign of effective relationship banking and successful client acquisition. Technology and data investments: The company continues to invest in artificial intelligence and data analytics to streamline operations and provide bankers with better insights, aiming to improve productivity and support scalable growth. Credit quality remains strong: Credit metrics improved, with past due loans, net charge-offs, and non-performing assets all declining during the quarter. The allowance for credit losses decreased, reflecting positive credit migration and disciplined underwriting standards. Origin Bancorp projects its growth outlook will be shaped by continued banker recruitment, technological enhancements, and competitive market dynamics. Recruiting and market expansion: Management plans to maintain strategic hiring in high-opportunity regions, though the pace may moderate compared to the first half of the year. Newly hired bankers are expected to drive client growth, especially in recently entered markets like Birmingham and expanded footprints in Texas. Focus on core deposit growth: The company is prioritizing noninterest-bearing deposit growth as a foundation for funding and client acquisition. Management expects continued momentum in new account openings, but acknowledges competitive pressures on deposit pricing and the impact of seasonality. Margin and regulatory headwinds: Net interest margin is projected to remain relatively flat in the near term, with benefits from loan repricing offset by deposit and loan pricing pressures. Management also flagged the Durbin Amendment’s impact, set to affect interchange fee revenue beginning mid-next year, but expects to mitigate this through strategic partnerships and operational efficiencies. In the coming quarters, our analysts will track (1) the rate of new banker additions and their impact on client growth, (2) the sustainability of noninterest-bearing deposit momentum in the face of competitive pressures, and (3) the effect of ongoing technology investments on productivity and operating efficiency. Monitoring the company’s approach to managing regulatory changes, such as the Durbin Amendment, will also be important for assessing profitability. Origin Bancorp currently trades at $51.38, in line with $51.66 just before the earnings. At this price, is it a buy or sell? The answer lies in our full research report (it’s free for active Edge members). ONE MORE THING: Top 5 Growth Stocks. The biggest stock winners almost always had one thing in common before they ran. Revenue growing like crazy. Meta. CrowdStrike. Broadcom. Our AI flagged all three. They returned 315%, 314%, and 455%, respectively. Find out which 5 stocks it’s flagging this month — FREE. 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Origin Bancorp (OBK) came out with quarterly earnings of $1.09 per share, beating the Zacks Consensus Estimate of $1 per share. This compares to earnings of $0.47 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +9.00%. A quarter ago, it was expected that this bank holding company would post earnings of $0.9 per share when it actually produced earnings of $0.89, delivering a surprise of -1.11%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. Origin Bancorp, which belongs to the Zacks Banks - Southeast industry, posted revenues of $107.59 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 0.04%. This compares to year-ago revenues of $83.5 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Origin Bancorp shares have added about 37.7% since the beginning of the year versus the S&P 500's gain of 9.7%. While Origin Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Origin Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.03 on $109.6 million in revenues for the coming quarter and $3.97 on $431.45 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 32% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Popular (BPOP), another stock in the same industry, has yet to report results for the quarter ended June 2026. The results are expected to be released on July 23. This company that runs Banco Popular and other banks in Puerto Rico and the U.S. is expected to post quarterly earnings of $3.69 per share in its upcoming report, which represents a year-over-year change of +19.4%. The consensus EPS estimate for the quarter has been revised 0.3% lower over the last 30 days to the current level. Popular's revenues are expected to be $842.26 million, up 5.3% from the year-ago quarter. 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 Popular, Inc. (BPOP) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Make better investment decisions with Simply Wall St's easy, visual tools that give you a competitive edge. After a 67.7% return over the past three years, Origin Bancorp now sits at a point where the Excess Returns intrinsic value estimate suggests the stock trades at a discount, while earnings based valuation multiples point the other way. That split, along with a low overall value score, raises a clear question about how much upside may already be reflected in the current price. Origin Bancorp's 67.7% three year return indicates shareholders have already seen strong gains, so new buyers may want to consider how much additional upside is still available. Expectations around ongoing growth in net interest income and fee based revenue can support the intrinsic value case, but any disappointment in earnings momentum or margin resilience may influence how the market prices the stock. With a valuation score of 2 out of 6, Origin Bancorp screens as leaning expensive on several traditional checks, rather than as a clear bargain. The key consideration now is whether Origin Bancorp's recent share price performance already reflects the intrinsic value suggested by the Excess Returns model or still leaves a reasonable margin of safety for new investors. Origin Bancorp delivered 39.7% returns over the last year. See how this stacks up to the rest of the Banks industry. The Excess Returns model looks at how efficiently Origin Bancorp turns its equity base into profits above the cost of capital. For Origin Bancorp, the model uses a Book Value of $40.81 per share and a Stable EPS of $4.38 per share, with those inputs drawn from weighted future Return on Equity estimates from 4 analysts. With a Cost of Equity of $3.17 per share, the model arrives at an Excess Return of $1.21 per share, indicating that expected earnings are above the required return on shareholders’ capital. These excess returns are applied to a Stable Book Value of $44.64 per share, again based on analyst estimates, and an average Return on Equity of 9.81%. Taken together, the Excess Returns approach produces an estimated intrinsic value of $78.45 per share. At that level, the model suggests the stock is trading at a discount relative to this estimate. Because Origin Bancorp is scheduled to report Q2 2026 earnings shortly, any surprise in profitability or book value trends could affect how closely the market price aligns with this intrinsic estimate. On this model, Origin Bancorp screens as undervalued, with the market price sitting below the Excess Returns based estimate of intrinsic value. Our Excess Returns analysis suggests Origin Bancorp is undervalued by 34.0%. Track this in your watchlist or portfolio, or discover 50 more high quality undervalued stocks. Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Origin Bancorp. The P/E ratio is a straightforward way to see how much you are paying for each dollar of Origin Bancorp earnings. Origin Bancorp currently trades at about 19.9x trailing earnings, which sits well above the Banks industry average of roughly 12.2x and also above the peer average of 13.7x. The tailored fair P/E ratio for Origin Bancorp is estimated at about 16.2x, based on factors such as its profitability, risk profile, and size. That leaves the current multiple several turns higher than what this framework implies, indicating investors are already paying a premium for Origin Bancorp relative to both sector norms and the modelled fair level. On this P/E basis, the stock appears overvalued, with the current price reflecting a richer earnings multiple than the fair ratio and broader bank peers suggest. See what the numbers say about this price — find out in our valuation breakdown. Simply Wall St Narratives for Origin Bancorp pick up where the valuation split above leaves you by spelling out which paths for Origin Bancorp's growth, margins and earnings would need to play out for the stock to be worth meaningfully more or less than today's price, using the Community page as their home. Rather than relying on a single multiple or model result, each Narrative lays out the assumptions behind its view of fair value so you can compare them with actual outcomes over time. If you have a numbers based view on whether Origin Bancorp's upcoming earnings release and conference call will support today's valuation, consider sharing a Narrative so other investors can see your thesis and how it plays out over time. Adding your perspective now lets you be one of the first voices in the Simply Wall St community to set out a clear, data driven case on Origin Bancorp and track how it stacks up against the results as they arrive. Do you think there's more to the story for Origin Bancorp? Head over to our Community to see what others are saying! For Origin Bancorp, the Excess Returns intrinsic value estimate and the discounted cash flow style work behind it point to the stock as undervalued, while the richer P/E multiple versus bank peers argues it is overvalued. That split, alongside weaker broad valuation checks, means the intrinsic value case leans heavily on Origin Bancorp continuing to earn comfortably above its cost of equity. The multiple view, in contrast, assumes the market is already paying up for that earnings profile. The key question from here is whether Origin Bancorp can sustain profitability and returns on equity at a level that keeps justifying a premium earnings multiple. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include OBK. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Find your next quality investment with Simply Wall St's easy and powerful screener, trusted by over 7 million individual investors worldwide. Origin Bancorp (OBK) is back in focus as the regional bank prepares to report its Q2 2026 earnings after the market closes on July 22, an update many investors will be watching closely. See our latest analysis for Origin Bancorp. At a latest share price of $51.80, Origin Bancorp has seen momentum build recently, with a 30 day share price return of 4.94% and a 90 day share price return of 15.65%, while the 1 year total shareholder return of 39.71% points to stronger gains over a longer holding period. If Origin Bancorp’s recent run has you looking for more ideas, this could be a good moment to scan the market for other banks and financials or broaden out into 18 top founder-led companies After a 1 year total return close to 40% and a share price sitting below both analyst targets and one fair value estimate, the key question is whether Origin Bancorp is still cautiously priced or already fully reflecting the upside. Compared with the latest close at $51.80, the most followed narrative for Origin Bancorp anchors on a fair value of $52 and points to a sizable implied discount once future cash flows are modeled using a 7.108% discount rate. Read the complete narrative. Want to see what kind of revenue lift and margin profile this narrative is baking in? The valuation hinges on a specific growth runway and a leaner cost base that could reshape Origin Bancorp's earnings mix. Result: Fair Value of $52 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, Origin Bancorp still has to contend with concentrated exposure to Southern markets and meaningful commercial real estate and construction lending, both of which could pressure credit quality and earnings. Find out about the key risks to this Origin Bancorp narrative. The SWS DCF model points to Origin Bancorp trading at a discount to its estimated future cash flow value, yet the P/E picture is less forgiving. OBK trades on 19.9x earnings versus a fair ratio of 16.2x, the US Banks industry at 12.3x, and peer average of 13.7x, which implies a richer tag that could limit upside if sentiment cools. See what the numbers say about this price — find out in our valuation breakdown. Does the mix of optimism and caution around Origin Bancorp match your own read of the situation, or are you seeing something different? To explore what investors consider the key positives, you can review the 2 key rewards. If Origin Bancorp has sharpened your interest, do not stop here; broaden your watchlist with focused stock ideas that could suit different goals and risk levels. Target potential value opportunities by scanning companies that currently look attractively priced on fundamentals using the 50 high quality undervalued stocks. Strengthen your income stream by reviewing stocks that offer robust yields and focus on reliable shareholder payouts through the 9 dividend fortresses. Prioritize resilience by checking companies that score well on financial stability and risk using the 81 resilient stocks with low risk scores. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include OBK. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

RUSTON, La., July 22, 2026 (GLOBE NEWSWIRE) -- Origin Bancorp, Inc. (NYSE: OBK) ("Origin"), the holding company for Origin Bank, today announced that on July 22, 2026, its board of directors declared a quarterly cash dividend of $0.25 per share of its common stock. The cash dividend will be paid on August 31, 2026, to stockholders of record as of the close of business on August 14, 2026. About Origin Bancorp, Inc. Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. Origin’s wholly owned bank subsidiary, Origin Bank, was founded in 1912 in Choudrant, Louisiana. Deeply rooted in Origin’s history is a culture committed to providing personalized relationship banking to businesses, municipalities, and personal clients to enrich the lives of the people in the communities it serves. Origin provides a broad range of financial services and currently operates more than 57 locations in Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, Alabama and the Florida Panhandle. In addition, Origin provides a broad range of insurance agency products and services through its wholly owned insurance agency subsidiary, Forth Insurance, LLC. For more information, visit www.origin.bank and www.forthinsurance.com. Forward-Looking Statements When used in filings by Origin Bancorp, Inc. (the "Company") with the Securities and Exchange Commission (the "SEC"), in the Company's press releases or other public or stockholder communications, and in oral statements made with the approval of an authorized executive officer, the words or phrases "anticipates," "believes," "estimates," "expects," “foresees,” "intends," "plans," "projects," and similar expressions or future or conditional verbs such as "could," "may," “might,” "should," "will," and "would" or variations of such terms" are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties that could cause actual results to differ materially from historical earnings and those presently anticipated or projected. Factors that might cause such a difference include among other things: the expected payment date of its quarterly cash dividend; changes in economic conditions; other legislative changes generally; changes in policies by regulatory agencies; fluctuations in interest rates; the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses; the Company's ability to access cost-effective funding; fluctuations in real estate values and both residential and commercial real estate market conditions; demand for loans and deposits in the Company's market area; competition; and changes in management’s business strategies and other factors set forth in the Company's filings with the SEC. The Company does not undertake and specifically declines any obligation - to update or revise any forward-looking statements to reflect events or circumstances that occur after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. Contact InformationInvestor RelationsChris [email protected] Media ContactRyan [email protected]

RUSTON, La., July 22, 2026 (GLOBE NEWSWIRE) -- Origin Bancorp, Inc. (NYSE: OBK) (“Origin,” “we,” “our” or the “Company”), the holding company for Origin Bank (the “Bank”), today announced net income of $33.8 million, or $1.09 diluted earnings per share (“EPS”) for the quarter ended June 30, 2026, compared to net income of $27.7 million, or $0.89 diluted EPS, for the quarter ended March 31, 2026. Pre-tax, pre-provision (“PTPP”)(1) earnings were $43.2 million for the quarter ended June 30, 2026, compared to $40.2 million for the linked quarter. “This quarter’s results represent another meaningful step forward in the journey we began with Optimize Origin a year and a half ago,” said Drake Mills, chairman, president and CEO of Origin Bancorp, Inc. “As we move through the remainder of 2026, our objectives remain clear. We will continue to execute on Optimize Origin, invest strategically across our footprint, attract exceptional talent, and appropriately deploy excess capital.” (1) 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. Optimize Origin In January 2025, we announced our Optimize Origin initiative to drive elite financial performance and enhance our award-winning culture, and it continues to be an important part of our corporate DNA. Built on three primary pillars: As announced in our Fourth Quarter and Full Year 2025 Earnings Release, our near term ROAA run rate target is 1.15% or higher by 4Q26, as we continue towards our ultimate top quartile ROAA target. Financial Highlights The Company delivered strong performance, and in some cases, record performance across numerous key financial metrics including, but not limited to, net income, net interest income, fully tax-equivalent net interest margin (“NIM-FTE”), annualized ROAA, annualized ROAE, and book value per common share. Net income was $33.8 million for the quarter ended June 30, 2026, reflecting an increase of $6.2 million, or 22.2%, compared to the linked quarter. Our NIM-FTE increased 21 basis points to 3.92% for the quarter ended June 30, 2026, compared to the quarter ended March 31, 2026. Our net interest spread increased to 3.07%, or 18 basis points, compared to the linked quarter. Annualized ROAA was 1.35% for the quarter ended June 30, 2026, reflecting an increase of 24 basis points, compared to the quarter ended March 31, 2026. Total loans held for investment (“LHFI”) were $8.07 billion at June 30, 2026, reflecting an increase of $209.4 million, or 2.7%, compared to March 31, 2026. LHFI, excluding mortgage warehouse lines of credit, were $7.48 billion at June 30, 2026, reflecting an increase of $141.9 million, or 1.9%, compared to March 31, 2026. During the quarter ended June 30, 2026, we repurchased 217,034 shares of our common stock at an average price of $46.60 per share, including commissions and applicable excise taxes. Also, in July 2026, our board of directors approved a $100 million increase in repurchase authority under our current stock repurchase program, which expires in July 2028. As of the date of this release, $121.6 million remains available for share repurchases under the stock repurchase program. During April 2026, our board approved an increase in our quarterly dividend from $0.15 to $0.25 per share, a 67% increase, reflecting balance sheet strength and earnings durability. Results of Operations for the Quarter Ended June 30, 2026 Net Interest Income and Net Interest Margin Net interest income for the quarter ended June 30, 2026, was $92.2 million, an increase of $5.0 million, or 5.7%, compared to the quarter ended March 31, 2026. The expansion in net interest income was primarily driven by a $4.4 million increase in interest income and a $529,000 decrease in interest expense. The $4.4 million increase in interest income was primarily due to a $7.7 million increase in interest income on loans held for investment, partially offset by a $3.6 million decrease in interest income on interest-earning balances due from banks. The increase in interest income on loans held for investment was mainly driven by higher average loan balances, which contributed $5.1 million of the increase. An additional $1.3 million resulted from one additional calendar day during the current quarter, while the remaining $1.3 million was attributable to higher loan yields. The decrease in interest income on interest-earning balances due from banks was primarily driven by lower average balances, which decreased to $309.5 million, from $714.0 million for the quarter ended March 31, 2026. The $529,000 decrease in interest expense was primarily attributable to a $1.7 million decrease in interest expense on interest-bearing deposits, partially offset by a $1.2 million increase in interest expense on FHLB advances and other borrowings. The decrease in interest expense on interest-bearing deposits was primarily driven by lower average balances, which reduced interest expense on interest-bearing demand deposits by $1.0 million. Lower average balances and rates on time deposits decreased interest expense by $634,000. The increase in interest expense on FHLB and other borrowings was mainly attributable to higher average borrowing balances, which increased interest expense by approximately $841,000. The Federal Reserve Board sets various benchmark rates, including the federal funds rate, and thereby influences the general market rates of interest, including loan and deposit rates offered by financial institutions. On October 29, 2025, and December 10, 2025, the Federal Reserve Board reduced the federal funds target rate range by 25 basis points each, to a range of 3.50% to 3.75%, and has maintained that target rate range. Our NIM-FTE was 3.92% for the quarter ended June 30, 2026, up 21 basis points from the linked quarter and 31 basis points from the quarter ended June 30, 2025. The yield earned on interest-earning assets was 5.74%, representing an 18-basis-point increase and a 13-basis-point decrease compared to the linked quarter and the quarter ended June 30, 2025, respectively. The average rate paid on total interest-bearing liabilities was 2.67%, unchanged from the linked quarter and down 58 basis points compared to the quarter ended June 30, 2025. Credit Quality The table below includes key credit quality information: _______________________N/A = Not applicable.(1)   Please see the Loan Data schedule at the back of this document for additional information.(2)   The ALCL to total LHFI, adjusted, is calculated by excluding the ALCL for mortgage warehouse lines of credit loans from the total LHFI ALCL in the numerator and excluding the mortgage warehouse lines of credit loans from the LHFI in the denominator. Due to their low-risk profile, mortgage warehouse lines of credit loans require a disproportionately low allocation of the ALCL. Our results included a total provision for credit losses of $65,000 during the quarter ended June 30, 2026, compared to $5.0 million for the linked quarter, which includes the provision for loan credit losses, the off-balance sheet commitment credit losses and any provision for security credit losses. The decrease was primarily the result of reduced risk embedded in our loan portfolio at June 30, 2026, resulting in a net benefit provision for loan credit losses of $373,000 compared to a provision expense of $5.0 million during the linked quarter and lower net charge-offs during the current quarter. For the current quarter, we recorded reserves of $5.5 million related to new loan production which was primarily offset by $4.5 million and $1.6 million in reserve releases related to net credit migration and the reduction in historical loss factors within the CECL model, respectively. Net credit migration reflects the combined impact of loan risk rating changes, specific reserve adjustments, and loan balance movements, such as loan balance changes and payoffs. The ALCL totaled $98.2 million at June 30, 2026, an $827,000 decrease compared to the ALCL as of March 31, 2026, and was 1.22% as a percentage of LHFI at June 30, 2026, compared to 1.26% at March 31, 2026. Past due 30 to 89 days and still accruing decreased $12.4 million to $5.2 million at June 30, 2026, when compared to March 31, 2026, and represented 0.06% of total LHFI, compared to 0.22% as of March 31, 2026. The decrease of 30 to 89 days and still accruing past dues was primarily driven by the decreases of $7.6 million and $3.1 million in the single-family residential real estate and commercial real estate sectors, respectively. Total nonperforming LHFI decreased $8.7 million at June 30, 2026, when compared to March 31, 2026. The decrease in nonperforming LHFI was driven by decreases in the sectors of commercial real estate, construction/land/land development and single-family residential real estate offset by an increase in commercial and industrial nonperforming LHFI. Net charge-offs were $454,000 for the quarter ended June 30, 2026, reflecting a decrease of $2.3 million compared to the quarter ended March 31, 2026. The decrease was primarily due to a decrease of $1.5 million in charge-offs and an increase of $856,000 in recoveries, both the result of charge-offs/recoveries in commercial and industrial loans. Noninterest Income Noninterest income for the quarter ended June 30, 2026, was $15.4 million, a decrease of $1.4 million from the linked quarter, primarily driven by a decrease of $2.7 million in insurance commission and fee income, which was partially offset by a $905,000 decrease in equity method investment losses. The $2.7 million decrease in insurance commission and fee income was primarily driven by seasonality in renewals and contingency fee income recognized in the first quarter. The $905,000 decrease in equity method investment loss was primarily driven by downward adjustments in two limited partnership investments during the linked quarter, compared to smaller downward adjustments of $1.3 million in limited partnership investments recorded during the current quarter. Of the $1.3 million total downward adjustments during the quarter ended June 30, 2026, $985,000 was from one limited partnership investment. Argent investment income declined $1.1 million compared to the linked quarter. The components of equity method investment (loss) income are as follows: Noninterest Expense Noninterest expense for the quarter ended June 30, 2026, was $64.4 million, an increase of $615,000, or 1.0% from the linked quarter. The increase was primarily due to an increase of $2.0 million in salaries and employee benefits expense, which was offset by decreases of $840,000 and $625,000 in professional services and other expense, respectively. The $2.0 million increase in salaries and employee benefits was primarily attributed to an increase of $1.6 million in medical insurance expense, primarily due to favorable adjustments to prior estimates recognized during the linked quarter. Additionally contributing to the increase was a $549,000 increase in incentive compensation, including stock-based incentive compensation. These increases were slightly offset by a decrease of $416,000 primarily due to lower insurance commissions as a result of the seasonal decrease in revenue mentioned above. The $840,000 decrease in professional services was primarily due to a decrease of $478,000 in expense related to the questioned banker activity previously disclosed. Also contributing to the decrease was a $280,000 decrease in consultant fees related to contract renegotiations that occurred during the linked period. Those negotiations, driven by our Optimize Origin initiative, resulted in meaningful reductions in electronic banking and data processing expenses during the current quarter. The $625,000 decrease in other expense was primarily due to a $389,000 release of litigation reserve during the quarter ended June 30, 2026. Financial Condition Loans Total LHFI at June 30, 2026, were $8.07 billion, an increase of $209.4 million, or 2.7%, from $7.86 billion at March 31, 2026, and an increase of $389.1 million, or 5.1%, compared to June 30, 2025. Excluding mortgage warehouse lines of credit, LHFI increased $141.9 million, or 1.9%, from March 31, 2026. The increase was primarily driven by increases of $72.0 million, $57.3 million and $49.1 million in non-owner-occupied commercial real estate, construction/land/land development and owner-occupied commercial real estate loans, respectively. These increases were partially offset by a decrease of $31.5 million in commercial and industrial loans. Mortgage warehouse lines of credit at June 30, 2026, were $589.7 million, an increase of $67.4 million, or 12.9%, from $522.3 million at March 31, 2026, and an increase of $15.0 million, or 2.6%, compared to June 30, 2025. Securities Total securities at June 30, 2026, were $1.16 billion, a decrease of $9.5 million, or 0.8%, from $1.17 billion at March 31, 2026, and an increase of $14.6 million, or 1.3%, compared to June 30, 2025. Accumulated other comprehensive loss, net of taxes, primarily associated with unrealized losses within the available for sale portfolio, was $60.8 million at both June 30, 2026 and March 31, 2026, and decreased $12.7 million, or 17.3%, from June 30, 2025. The weighted average effective duration for the total securities portfolio was 4.08 years as of June 30, 2026, compared to 4.14 years as of March 31, 2026. Deposits Total deposits at June 30, 2026, were $8.70 billion, a decrease of $53.0 million, or 0.6%, compared to March 31, 2026, and an increase of $580.2 million, or 7.1%, from June 30, 2025. The decrease was primarily due to a $270.2 million decrease in public funds due to seasonality. Also contributing were decreases of $79.7 million and $59.7 million in other and consumer deposits, respectively. Offsetting these decreases was an increase of $356.7 million in business deposits. At June 30, 2026, and March 31, 2026, noninterest-bearing deposits as a percentage of total deposits were 26.0% and 23.6%, respectively. At June 30, 2025, noninterest-bearing deposits as a percentage of total deposits were 22.7%. Borrowings FHLB advances and other borrowings at June 30, 2026, were $136.9 million, an increase of $124.3 million from $12.6 million at March 31, 2026, and an increase of $9.0 million, or 7.1% from June 30, 2025. The increase in the current quarter compared to the linked quarter is primarily due to an increase in FHLB short-term borrowings of $125.0 million used primarily to meet seasonal liquidity needs. Average FHLB advances were $140.9 million for the quarter ended June 30, 2026, an increase of $124.5 million from $16.4 million for the quarter ended March 31, 2026, and an increase of $28.9 million from June 30, 2025. Subordinate debentures Total subordinated debentures at June 30, 2026, were $16.6 million, a decrease of $73.1 million, or 81.5%, compared to June 30, 2025, due to the redemption of $74.0 million in subordinated debentures during the quarter ended December 31, 2025, in conjunction with our Optimize Origin initiative. Capital Total stockholders’ equity at June 30, 2026, was $1.28 billion, an increase of $20.8 million, or 1.6%, compared to March 31, 2026, and an increase of $75.3 million, or 6.2%, from June 30, 2025. Uses of regulatory capital since the beginning of 2025 consist of the following: Conference Call Origin will hold a conference call to discuss its second quarter 2026 results on Thursday, July 23, 2026, at 8:00 a.m. Central Time (9:00 a.m. Eastern Time). To participate in the live conference call, please dial +1 (929) 272-1574 (U.S. Local / International 1); +1 (857) 999-3259 (U.S. Local / International 2); +1 (888) 700-7550 (U.S. Toll Free), enter Conference ID: 75275 and request to be joined into the Origin Bancorp, Inc. (OBK) call. A simultaneous audio-only webcast may be accessed via Origin’s website at www.origin.bank under the Investor Relations, News & Events, Events & Presentations link or directly by visiting https://dealroadshow.com/e/ORIGIN2Q26. If you are unable to participate during the live webcast, the webcast will be archived on the Investor Relations section of Origin’s website at www.origin.bank, under Investor Relations, News & Events, Events & Presentations. About Origin Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. Origin’s wholly owned bank subsidiary, Origin Bank, was founded in 1912 in Choudrant, Louisiana. Deeply rooted in Origin’s history is a culture committed to providing personalized relationship banking to businesses, municipalities, and personal clients to enrich the lives of the people in the communities it serves. Origin provides a broad range of financial services and currently operates more than 57 locations in Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, Alabama and the Florida Panhandle. In addition, Origin provides a broad range of insurance agency products and services through its wholly owned insurance agency subsidiary, Forth Insurance, LLC. For more information, visit www.origin.bank and www.forthinsurance.com. Non-GAAP Financial Measures Origin reports its results in accordance with generally accepted accounting principles in the United States of America ("GAAP"). However, management believes that certain supplemental non-GAAP financial measures may provide meaningful information to investors that is useful in understanding Origin's results of operations and underlying trends in its business. These non-GAAP financial measures are supplemental and should be viewed in addition to, and not as an alternative for, Origin's reported results prepared in accordance with GAAP. The following are the non-GAAP measures used in this release: PTPP earnings, PTPP ROAA, tangible book value per common share, and ROATCE. Please see the last few pages of this release for reconciliations of non-GAAP measures to the most directly comparable financial measures calculated in accordance with GAAP. Forward-Looking Statements This press release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include information regarding Origin Bancorp, Inc’s (“Origin”, “we”, “our” or the “Company”) future financial performance, business and growth strategies, projected plans and objectives, and any expected purchases of its outstanding common stock, and related transactions and other projections based on macroeconomic and industry trends, including changes to interest rates by the Federal Reserve and the resulting impact on Origin’s results of operations, estimated forbearance amounts and expectations regarding the Company’s liquidity, including in connection with advances obtained from the FHLB, which are all subject to change and may be inherently unreliable due to the multiple factors that impact broader economic and industry trends, and any such changes may be material. Such forward-looking statements are based on various facts and derived utilizing important assumptions and current expectations, estimates and projections about Origin and its subsidiaries, any of which may change over time and some of which may be beyond Origin’s control. Statements or statistics preceded by, followed by or that otherwise include the words “assumes,” “anticipates,” “believes,” “estimates,” “expects,” “foresees,” “intends,” “plans,” “projects,” and similar expressions or future or conditional verbs such as “could,” “may,” “might,” “should,” “will,” and “would” and variations of such terms are generally forward-looking in nature and not historical facts, although not all forward-looking statements include the foregoing words. Further, certain factors that could affect Origin’s future results and cause actual results to differ materially from those expressed in the forward-looking statements include, but are not limited to: (1) the impact of current and future economic conditions generally and in the financial services industry, nationally and within Origin’s primary market areas, including the impact of tariffs, as well as the financial stress on borrowers and changes to customer and client behavior as a result of the foregoing; (2) changes in benchmark interest rates and the resulting impacts on net interest income; (3) deterioration of Origin’s asset quality; (4) factors that can impact the performance of Origin’s loan portfolio, including real estate values and liquidity in Origin’s primary market areas; (5) the financial health of Origin’s commercial borrowers and the success of construction projects that Origin finances; (6) changes in the value of collateral securing Origin’s loans; (7) the impact of generative artificial intelligence; (8) Origin’s ability to anticipate interest rate changes and manage interest rate risk; (9) the impact of heightened regulatory requirements, reduced debit interchange and overdraft income and the possibility of facing related adverse business consequences if our total assets grow in excess of $10 billion as of December 31 of any calendar year; (10) the effectiveness of Origin’s risk management framework and quantitative models; (11) Origin’s inability to receive dividends from Origin Bank and to service debt, pay dividends to Origin’s common stockholders, repurchase Origin’s shares of common stock and satisfy obligations as they become due; (12) the impact of labor pressures; (13) changes in Origin’s operation or expansion strategy or Origin’s ability to prudently manage its growth and execute its strategy; (14) changes in management personnel; (15) Origin’s ability to maintain important customer relationships, reputation or otherwise avoid liquidity risks; (16) increasing costs as Origin grows deposits; (17) operational risks associated with Origin’s business; (18) significant turbulence or a disruption in the capital or financial markets and the effect of market disruption and interest rate volatility on our investment securities; (19) increased competition in the financial services industry, particularly from regional and national institutions, as well as from fintech companies; (20) compliance with governmental and regulatory requirements and changes in laws, rules, regulations, interpretations or policies relating to financial institutions; (21) periodic changes to the extensive body of accounting rules and best practices; (22) further government intervention in the U.S. financial system; (23) a deterioration of the credit rating for U.S. long-term sovereign debt; (24) Origin’s ability to comply with applicable capital and liquidity requirements, including its ability to generate liquidity internally or raise capital on favorable terms, including continued access to the debt and equity capital markets; (25) natural disasters and other adverse weather events, pandemics, acts of terrorism, war, and other matters beyond Origin’s control; (26) developments in our mortgage banking business, including loan modifications, general demand, and the effects of judicial or regulatory requirements or guidance; (27) fraud or misconduct by internal or external actors (including Origin employees); (28) cybersecurity threats or security breaches and the cost of defending against them; (29) Origin’s ability to maintain adequate internal controls over financial and non-financial reporting; and (30) potential claims, damages, penalties, fines, costs and reputational damage resulting from pending or future litigation, regulatory proceedings and enforcement actions. For a discussion of these and other risks that may cause actual results to differ from expectations, please refer to the sections titled “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors” in Origin’s most recent and future Annual Reports on Form 10-K filed with the Securities and Exchange Commission and any updates to those sections set forth in Origin’s subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. If one or more events related to these or other risks or uncertainties materialize, or if Origin’s underlying assumptions prove to be incorrect, actual results may differ materially from what Origin anticipates. Accordingly, you should not place undue reliance on any forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and Origin does not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New risks and uncertainties arise from time to time, and it is not possible for Origin to predict those events or how they may affect Origin. In addition, Origin cannot assess the impact of each factor on Origin’s business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements. All forward-looking statements, expressed or implied, included in this communication are expressly qualified in their entirety by this cautionary statement. This cautionary statement should also be considered in connection with any subsequent written or oral forward-looking statements that Origin or persons acting on Origin’s behalf may issue. Annualized, pro forma, adjusted, projected, and estimated numbers are used for illustrative purposes only, are not forecasts, and may not reflect actual results. This press release contains projected financial information with respect to Origin, including with respect to certain goals and strategic initiatives of Origin and the anticipated benefits thereof. This projected financial information constitutes forward-looking information and is for illustrative purposes only and should not be relied upon as necessarily being indicative of future results. The assumptions and estimates underlying such projected financial information are inherently uncertain and are subject to significant business, economic (including interest rate), competitive, and other risks and uncertainties. Actual results may differ materially from the results contemplated by the projected financial information contained herein and the inclusion of such projected financial information in this release should not be regarded as a representation by any person that such actions will be taken or accomplished or that the results reflected in such projected financial information with respect thereto will be achieved. Contact: Investor RelationsChris [email protected] Media ContactRyan [email protected] _______________________(1)   PTPP earnings, PTPP ROAA, ROATCE and tangible book value per common share are either non-GAAP financial measures or use a non-GAAP contributor in the formula. For a reconciliation of these alternative financial measures to their most directly comparable GAAP measures, please see the last few pages of this release.(2)   Calculated by dividing noninterest expense by the sum of net interest income plus noninterest income.(3)   Ratios are calculated at the Company level, which is subject to the capital adequacy requirements of the Federal Reserve Board. June 30, 2026 ratios are estimated _______________________(1)   PTPP earnings, PTPP ROAA, and ROATCE are either non-GAAP financial measures or use a non-GAAP contributor in the formula. For a reconciliation of these alternative financial measures to their most directly comparable GAAP measures, please see the last few pages of this release.(2)   Calculated by dividing noninterest expense by the sum of net interest income plus noninterest income. _______________________(1)   Nonperforming assets consist of nonperforming/nonaccrual loans and property acquired through foreclosures or repossession, as well as bank-owned property not in use and listed for sale, if any.(2)   The ALCL to total LHFI excl. mortgage warehouse lines of credit, is calculated by excluding the ALCL for mortgage warehouse lines of credit loans from the total LHFI ALCL in the numerator and excluding the mortgage warehouse lines of credit loans from the LHFI in the denominator. Due to their low-risk profile, mortgage warehouse lines of credit loans require a disproportionately low allocation of the ALCL. _______________________(1)   Yields/Rates are calculated on an actual/actual day count basis. (2)   In order to present pre-tax income and resulting yields on tax-exempt investments comparable to those on taxable investments, a tax-equivalent adjustment has been computed. This adjustment also includes income tax credits received on Qualified School Construction Bonds. _______________________(1)   The diluted EPS impact is calculated using a 21% effective tax rate. The total of the diluted EPS impact of each individual line item may not equal the calculated diluted EPS impact on the total notable items due to rounding.(2)   The $158,000 net loss on OREO properties for the quarter ended June 30, 2025, includes an $8,000 insurance settlement recovery that was included in noninterest income on the face of the income statement and $3,000 in repair costs that was included in noninterest expense.(3)   The $325,000 operating net benefit related to questioned banker activity for the quarter ended June 30, 2026, includes a $389,000 release of litigation reserve.(4)   Operating expenses related to strategic Optimize Origin initiatives are expected to be immaterial and, accordingly, will no longer be separately tracked beginning with the quarter ended March 31, 2026. The $51,000 and $577,000 operating expenses related to strategic Optimize Origin initiatives for the quarters ended December 31, 2025, and September 30, 2025, includes sub-lease income of $40,000 and $27,000, respectively, that were included in noninterest income on the face of the income statement. _______________________(1)   The diluted EPS impact is calculated using a 21% effective tax rate. The total of the diluted EPS impact of each individual line item may not equal the calculated diluted EPS impact on the total notable items due to rounding.(2)   The $370,000 net loss on OREO properties for the six months ended June 30, 2025, includes a $452,000 insurance settlement recovery that was included in noninterest income on the face of the income statement and a $151,000 repair cost that was included in noninterest expense.(3)   The $217,000 operating expense related to questioned banker activity for the six months ended June 30, 2026, includes a $389,000 release of litigation reserve.(4)   Operating expenses related to strategic Optimize Origin initiatives are expected to be immaterial and accordingly, will no longer be separately tracked beginning with the quarter ended March 31, 2026.

For the quarter ended June 2026, Origin Bancorp (OBK) reported revenue of $107.59 million, up 28.9% over the same period last year. EPS came in at $1.09, compared to $0.47 in the year-ago quarter. The reported revenue compares to the Zacks Consensus Estimate of $107.55 million, representing a surprise of +0.04%. The company delivered an EPS surprise of +9%, with the consensus EPS estimate being $1.00. 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: Average Balance - Total interest-earning assets: $9.48 billion versus $9.66 billion estimated by two analysts on average. Total nonperforming assets: $79.28 million versus $87.45 million estimated by two analysts on average. Net Interest Margin (NIM) - FTE: 3.9% compared to the 3.8% average estimate based on two analysts. Net charge-offs to total average LHFI (annualized): 0% versus 0.2% estimated by two analysts on average. Total nonperforming LHFI: $78.52 million versus $86 million estimated by two analysts on average. Efficiency Ratio: 59.9% versus the two-analyst average estimate of 58.7%. Net interest income (FTE): $92.67 million versus $90.25 million estimated by two analysts on average. Total Noninterest Income: $15.39 million versus the two-analyst average estimate of $17.55 million. Net Interest Income: $92.2 million compared to the $89.75 million average estimate based on two analysts. View all Key Company Metrics for Origin Bancorp here>>> Shares of Origin Bancorp have returned +2.7% over the past month versus the Zacks S&P 500 composite's +0.3% 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. 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