What trends in OBK's earnings should investors watch?

**Investors in Origin Bancorp Inc (OBK) should watch for trends in net income, revenue growth, and diluted EPS.** Here's an analysis based on the latest data and market insights: 1. **Net Income Trends**: Origin Bancorp's net income for Q4 2024, was $14.27 million. This represents a decrease from the previous quarter's $18.6 million net income. The year-over-year growth rate for net income is not available, but the quarter-over-quarter decline is notable. Investors should monitor future net income figures to assess the company's profitability trends. |code|Ticker|Name|Date|Total Revenue|Net Income|Diluted EPS|market_code| |---|---|---|---|---|---|---|---| |OBK|OBK.N|Origin Bancorp|2024 Q1|9.0578E7|2.2632E7|0.73|169| |OBK|OBK.N|Origin Bancorp|2024 Q2|9.6355E7|2.0989E7|0.67|169| |OBK|OBK.N|Origin Bancorp|2024 Q3|9.0793E7|1.8601E7|0.6|169| |OBK|OBK.N|Origin Bancorp|2024 Q4|7.8019E7|1.427E7||169| 2. **Revenue Growth**: The company's total revenue for Q4 2024, was $78.02 million. This is below the estimated revenue of $87.75 million and represents a -3.9% growth rate compared to the previous quarter. The year-over-year revenue growth is not available, but the quarter-over-quarter decline is concerning. Investors should track future revenue figures to see if this trend reverses. 3. **Diluted EPS Trends**: The diluted EPS for Q4 2024, was $0.46. This missed the estimated EPS of $0.51. The company has experienced a decline in diluted EPS from the previous quarter's $0.60. The trend in diluted EPS is negative, and investors should monitor future EPS figures to see if this trend stabilizes or improves. |code|Ticker|Name|Date|Net Income YoY|Total Revenue YoY|Diluted EPS YoY|market_code| |---|---|---|---|---|---|---|---| |OBK|OBK.N|Origin Bancorp|2024 Q1|-6.871862398156531|-3.157241983941153|-7.594936708860765|169| |OBK|OBK.N|Origin Bancorp|2024 Q2|-3.5431985294117645|5.969623984075137|-4.285714285714274|169| |OBK|OBK.N|Origin Bancorp|2024 Q3|-23.493604244642786|-1.5783368925408405|-24.050632911392412|169| |OBK|OBK.N|Origin Bancorp|2024 Q4|6.294227188081937|-3.899735172753588||169| 4. **Interest Income and Expenses**: Origin Bancorp's net interest margin expanded by 15 basis points to 3.33% for the quarter. However, the company reported a $14.6 million loss from its bond portfolio optimization strategy. Investors should watch for future interest income and expenses to understand the company's net interest margin dynamics and the impact of strategic decisions on earnings. 5. **Provision for Credit Losses**: The company recorded a benefit of $5.4 million in the provision for credit losses, an improvement from the $4.6 million expense in the previous quarter. This indicates a positive trend in credit risk management. Investors should monitor future provisions to assess the company's credit risk and overall financial health. 6. **Deposit Growth and Margin Challenges**: Despite a 2.3% increase in total deposits, the company faced challenges in net interest margin due to higher-than-anticipated deposit costs. Investors should watch for future deposit growth and margin trends to understand the company's interest income potential and competitive positioning in the market. In conclusion, investors in OBK should closely monitor the company's net income, revenue growth, and diluted EPS trends, as well as the dynamics of interest income and expenses, credit provisions, and deposit growth. These metrics will provide insights into the company's financial performance and potential future growth.