Origin Bancorp stock analysis
Origin Bancorp (36Z) Stock Price & Analysis
36Z Stock Chart & Stats
- Day’s Range
- EUR 47.40 - EUR 47.40
- 52-Week Range
- EUR 28.60 - EUR 49.40
- Previous Close
- EUR 49.40
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.45B
- Enterprise Value
- EUR 1.57B
- Total Cash (Recent Filing)
- EUR 117.55M
- Total Debt (Recent Filing)
- EUR 0
- Price to Earnings (P/E)
- 12.4
- Beta
- 0.54
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- 0.98
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.44%
Bulls Say, Bears Say
Bulls Say
Record Profitability
Record earnings across multiple measures indicate strong underlying operating performance rather than reliance on a single income line. The improved profitability gives Origin greater capacity to reinvest, absorb credit costs, support capital, and sustain shareholder returns over the next several quarters.
Loan Growth And Fee Expansion
Broad loan growth across Texas and Southeast markets supports future interest income, while expanding treasury-management revenue adds recurring fee income tied to commercial relationships. This combination can improve revenue diversification and strengthen Origin’s regional franchise as relationships deepen.
Conservative Balance Sheet
Conservative leverage and a growing equity base provide financial flexibility for lending and investment while reducing balance-sheet strain. Healthy and improving returns on equity also suggest that Origin is generating meaningful earnings from its capital base, supporting resilience through changing banking conditions.
Bears Say
Deposit Pricing Pressure
Competitive pricing can compress net interest margin by forcing Origin to pay more for deposits while limiting loan yields. Higher funding costs may reduce the benefit of loan growth and make the outlook more dependent on asset repricing, deposit retention, and disciplined balance-sheet management.
Rising Classified Assets
The increase in classified assets signals emerging stress within portions of the loan book, even though current charge-offs and nonperforming assets remain controlled. Further deterioration could require higher provisions, reduce earnings, and constrain growth if credit quality weakens across commercial exposures.
Volatile Cash Conversion
The recent reduction in operating and free cash flow makes earnings conversion less consistent and introduces uncertainty around internally generated funding. If this pattern persists, Origin could have less flexibility for loan growth, technology investment, capital returns, or absorbing unexpected credit and expense needs.
Origin Bancorp News
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Origin Bancorp Stock Smart Score
Company Description
Origin Bancorp
Origin Bancorp, Inc. acts as the parent organization for Origin Bank, delivering a comprehensive range of banking and financial services. Its diverse clientele includes small to mid-sized businesses, municipal entities, and individual consumers across its operating regions of Texas, Louisiana, and Mississippi. The bank's offerings encompass various deposit accounts, such as interest-bearing and non-interest-bearing checking accounts, savings deposits, money market accounts, and time deposits. On the lending side, Origin Bank provides a broad spectrum of loan products, including commercial and residential real estate, construction and land development, consumer, commercial and industrial, mortgage warehouse, residential mortgage, and Paycheck Protection Program (PPP) loans. Beyond core banking, the company also offers personal and commercial property and casualty insurance products. Customers benefit from an extensive suite of digital and convenience services, such as internet banking, voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automated account transfer services. Additionally, advanced services like treasury management, mortgage origination and servicing, peer-to-peer electronic payment solutions, and personal financial management tools are available. Established in 1912, the firm's corporate headquarters are located in Ruston, Louisiana.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Drake D. Mills
- Employees
- 988
- Website
- www.origin.bank
- Address
- 500 South Service Road East, Ruston, LA, 71270, US
Origin Bancorp (36Z) Earnings & Revenues
36Z Company Deck
36Z Earnings Call
Earnings Call SentimentPositive
The call was strongly constructive. Origin reported record profitability, improving net interest margin, strong loan and relationship growth, sound credit performance, better-than-expected expenses, raised pre-tax, pre-provision ROA guidance, and increased shareholder returns. Management also highlighted continued investments in technology, AI, talent, and market expansion. The principal challenges were competitive loan and deposit pricing, higher expected deposit costs, a modest period-end deposit decline, increased classified assets, deferred technology spending, and the possibility of higher expenses in early 2027. Overall, the positive operating and financial trends significantly outweighed the stated challenges.
View all DE:36Z earnings summaries36Z Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 5 | 3 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 10 | 0 | 2 |
