
OBK Stock Forecast & Price Target
OBK Analyst Ratings
Bulls say
Origin Bancorp has demonstrated a positive upward trend in key financial metrics, particularly with a net interest margin (NIM) that increased 17 basis points quarter-over-quarter to reach 3.61%, surpassing expectations. Additionally, the implementation of the Optimize Origin efficiency program is projected to yield a sustainable return on assets (ROA) of over 1% while contributing an incremental $10.8 million to the annual benefit, enhancing both net interest income (NII) and non-interest income (NII) forecasts. Forecasted pro forma net revenue (PPNR) for 2025 and 2026 has been increased by 6% and 8%, respectively, reflecting improvements in NIM and enhanced fee income prospects, notably from the Argent ownership exceeding 20%.
Bears say
The analysis highlights a negative outlook for Origin Bancorp driven by a significant decline in loans, particularly a 4.0% quarterly annualized decrease, which starkly contrasts with expectations for growth. Additionally, the operational expenditure guidance suggests stability at current levels without anticipated improvements, indicating potential stagnation in profitability. Furthermore, various risks such as economic deterioration in core markets, rising competition impacting loan pricing, and possible mergers and acquisitions not benefiting the company could further pressure its financial performance and outlook.
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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