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Origin Bancorp (OBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Origin Bancorp (OBK) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $113M · 33¢ of every $1 of revenue kept as net profit · operating margin 42.5%
Origin Bancorp made $113M in Q3 2026 (+3% Y/Y): Net interest income $95.1M, Noninterest income $18.1M. Operating margin 42.5%, net earnings $37.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $113.2M in Q3 2026, up 3% year over year and up 5% from the previous quarter. Net interest income was the largest line at 84% of revenue. Net interest income added $11.4M year over year (up 14%), 338% of the total change. Noninterest income declined 31%.
Operating profit was $48.1M, a 42.5% margin (up 32.5 points year over year). Of the extra revenue versus a year earlier, 1096% reached operating profit, above the 10% margin then. Total costs fell 34% while revenue rose 3%. Net earnings were $37.8M, up 338% year over year. The effective tax rate was 21.5%.
Operating cash flow was $33.4M (down 44% year over year), 88% of net earnings. Non-cash charges added back $2.6M of share-based compensation. Working capital and other items used $7.0M. Capital expenditures of $3.1M left free cash flow of $30.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $113M | +3% | 42.5% | $37.8M | $33.4M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Origin Bancorp
Unless the context otherwise requires, references in this Annual Report on Form 10-K to “we,” “us,” “our,” “our company,” “the Company” or “Origin” refer to Origin Bancorp, Inc., a Louisiana corporation, and its consolidated subsidiaries. All references to “Origin Bank” or “the Bank” refer to Origin Bank, our wholly-owned bank subsidiary. Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. Our wholly owned bank subsidiary, Origin Bank, was founded in 1912 in Choudrant, Louisiana. Deeply rooted in our 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 we serve.
In its own words, from its 10-K, filed Feb 25, 2026.
Origin Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +10%. Operating margin: 42.5% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| OBK Origin Bancorp | Q3 2026 | $113M | +3% | 42.5% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Origin Bancorp 10-Q on SEC EDGAR · CIK 1516912 · State Commercial Banks
Guidance and outlook
13F: who owns OBK and who is buying
More on OBK
History
Every quarter: Q3 2026 results