
OBK Stock Forecast & Price Target
OBK Analyst Ratings
Bulls say
Origin Bancorp demonstrated a notable improvement in its net interest margin (NIM), which increased by 17 basis points quarter-over-quarter to 3.61%, significantly surpassing initial estimates. The implementation of the Optimize Origin efficiency program is projected to enhance return on assets (ROA) sustainably above 1%, with an anticipated annual benefit increase of $10.8 million, driving revenue growth. Additionally, forecasts for 2025 and 2026 reflect a positive adjustment in projected pre-provision net revenue (PPNR) by 6% and 8%, respectively, attributed to improved NIM and increased fee income potential from strategic partnerships.
Bears say
Origin Bancorp is experiencing a concerning decline in loan originations, specifically a 4.0% quarter-over-quarter annualized decrease, which starkly contrasts with market consensus expectations for growth. Additionally, the bank faces multiple risks, including potential economic deterioration in its core markets, increasing competitive pressures on loan pricing, and the threat of net interest margin compression, all of which could hinder the bank's growth trajectory and profitability. The reliance on anticipated acquisition strategies could further exacerbate these issues, as overpaying for acquisitions may negatively impact the bank's valuation and earnings per share.
This aggregate rating is based on analysts' research of Origin Bancorp Inc and is not a guaranteed prediction by Public.com or investment advice.
OBK Analyst Forecast & Price Prediction
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