Monitor net interest margin trajectory in upcoming quarters as deposit costs decline slower than asset yields; the dividend hike suggests management confidence, but rising credit provisions warrant watch for potential asset quality deterioration.
Price Chart
Executive Summary
Origin Bancorp reported Q1 2026 earnings with diluted EPS of $0.89, down from $0.95 in the prior quarter, driven by lower net interest income despite higher loan growth and a 5.4% deposit increase. The company also announced a 67% dividend increase to $0.25 per share, signaling confidence in balance sheet strength.
Key Financial Metrics
Key Facts
- Q1 2026 diluted EPS was $0.89, down from $0.95 in Q4 2025
- Net interest income rose 0.6% to $87.2 million, a record high
- Net interest margin (NIM-FTE) declined 2 basis points to 3.71%
- Total loans grew 2.5% to $7.86 billion; deposits increased 5.4% to $8.76 billion
- Board approved dividend increase from $0.15 to $0.25 per share (67% hike)
- Provision for credit losses rose to $4.965 million from $3.158 million
Financial Impact
Net income decreased by $1.8 million sequentially; dividend payout will increase annual cash outflow by approximately $24 million based on current share count
Risk Factors
- Net interest margin compression due to asset-sensitive balance sheet in a lower-for-longer rate environment
- Increase in nonperforming loans and provision expense may signal emerging credit stress
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 8 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001516912-26-000017 |
| Document: a03_31x2026obkinvestorpr.htm | 0001516912-26-000017 |
| Document: obnk-20260422.htm | 0001516912-26-000017 |
| Document: a2q2026dividenddeclaration.htm | 0001516912-26-000017 |
| Document: 0001516912-26-000017-index-headers.html | 0001516912-26-000017 |
| Document: 0001516912-26-000017-index.html | 0001516912-26-000017 |
| Document: 0001516912-26-000017.txt | 0001516912-26-000017 |
| 8-K Data (Synthetic) | 0001516912-26-000017 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 9, 2026 17d ago | 8-K | $51.56 | awaiting T+20 | — | $52.58 (+1.98%) |
Oct 8, 2026 18d ago | SC 13G | $52.47 | awaiting T+20 | — | $52.58 (+0.21%) |
Oct 6, 2026 20d ago | 8-K | $52.32 | awaiting T+20 | — | $52.58 (+0.50%) |
Sep 15, 2026 6w ago | 8-K | $54.46 $51.94 | ▲ +4.63% | ▲ +7.60% | $52.58 (+3.45%) |
Aug 10, 2026 11w ago | Insider Buy | $53.14 $53.75 | ▲ +1.15% | ▲ +2.06% | $52.58 (−1.05%) |
Jul 22, 2026 13w ago | Press Release | $52.54 $52.76 | ▲ +0.42% | ▼ −2.89% | $52.58 (+0.08%) |
Jul 20, 2026 14w ago | Court Ruling | $51.80 $53.56 | ▲ +3.40% | ▲ +0.84% | $52.58 (+1.51%) |
Jul 10, 2026 15w ago | Press Release | $51.24 $53.84 | ▲ +5.07% | ▲ +2.65% | $52.58 (+2.62%) |
Jul 10, 2026 15w ago | 8-K | $51.24 $53.84 | ▲ +5.07% | ▲ +2.65% | $52.58 (+2.62%) |
Apr 30, 2026 25w ago | 10-K/A | $46.82 $47.42 | ▲ +1.28% | ▼ −3.69% | $52.58 (+12.30%) |
US Market Status
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