OBK FINANCIAL STATEMENTS

Origin Bancorp, Inc. — balance sheet, income statement and cash flow trends

OBKOrigin Bancorp, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue597.5 M $-2.2%

Gross Profit355.9 M $+1.6%

Operating Income105.5 M $+8.8%

EBITDA118.7 M $+3.2%

Net Income80.5 M $+5.5%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
OBK	—	—	—	13.5%
LB	—	—	—	1.4%
KLNMA	—	—	—	58.1%
BFL	—	—	—	30.2%
SKBNK	—	—	—	14.2%
BOQ	—	—	—	2.0%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.3 B $12%
Long-term Liabilities8.9 B $88%

Key Figures

YoY change

Total Assets10.2 B $+4.5%

Total Liabilities8.9 B $+4.2%

Total Equity1.3 B $+6.8%

Cash & ST Investments121.8 M $-90.7%

Total Debt29.2 M $-71.4%

Net Debt-61.5 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
OBK	—	2.3%	-0.78	12.4%
LB	0.01	744.5%	280.57	5.3%
KLNMA	—	0.0%	-0.00	17.7%
BFL	33.68	9.1%	-3.30	12.0%
SKBNK	—	0.0%	-13.41	5.9%
BOQ	0.05	258.4%	49.89	6.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
OBK	—	2.3%	-0.78	12.4%
QCRH	4.72	37.3%	2.14	11.7%
LKFN	1.88	10.0%	0.07	10.6%
CNOB	421.49	1.9%	-7.77	11.2%
NBHC	63.44	13.2%	-5.26	13.2%
BY	3.39	51.5%	-5.30	12.9%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow176.2 M $+50.7%

Capital Expenditures12.1 M $-43.5%

Free Cash Flow164.2 M $+71.9%

Dividends Paid18.8 M $-0.1%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
OBK	29.5%	27.5%	2.0%	219.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
KLNMA	58.1%	57.8%	0.3%	100.0%
BFL	116.9%	27.7%	2.8%	386.6%
SKBNK	14.2%	31.2%	17.0%	100.0%
BOQ	13.1%	13.0%	0.2%	668.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
OBK	29.5%	27.5%	2.0%	219.0%
QCRH	70.6%	59.0%	11.6%	318.7%
LKFN	28.4%	25.1%	3.3%	109.9%
CNOB	14.6%	13.8%	0.7%	109.0%
NBHC	10.7%	3.7%	7.0%	62.2%
BY	26.5%	26.1%	0.4%	120.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
OBK	—	—	—	13.5%
QCRH	—	—	—	22.2%
LKFN	—	—	—	25.8%
CNOB	—	—	—	13.4%
NBHC	—	—	—	17.2%
BY	—	—	—	22.0%
Industry median	—	67.2%	20.4%	20.6%