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Side-by-side financial comparison of Origin Bancorp, Inc. (OBK) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $104.0M, roughly 1.5× Origin Bancorp, Inc.). Origin Bancorp, Inc. runs the higher net margin — 26.6% vs 4.8%, a 21.8% gap on every dollar of revenue. Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 3.9%).
Southern Bancorp is a community development financial institution headquartered in Arkadelphia, Arkansas. It was founded in 1986 as Southern Development Bancorporation, and is often referred to simply as "Southern".
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
OBK vs PMTS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $104.0M | $153.1M |
| Net Profit | $27.7M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | — | 12.0% |
| Net Margin | 26.6% | 4.8% |
| Revenue YoY | — | 22.3% |
| Net Profit YoY | — | 8.5% |
| EPS (diluted) | $0.89 | $0.62 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $104.0M | — | ||
| Q4 25 | $103.4M | $153.1M | ||
| Q3 25 | $109.8M | $138.0M | ||
| Q2 25 | $83.5M | $129.8M | ||
| Q1 25 | $94.1M | $122.8M | ||
| Q4 24 | $78.3M | $125.1M | ||
| Q3 24 | $90.8M | $124.8M | ||
| Q2 24 | $96.4M | $118.8M |
| Q1 26 | $27.7M | — | ||
| Q4 25 | $29.5M | $7.3M | ||
| Q3 25 | $8.6M | $2.3M | ||
| Q2 25 | $14.6M | $518.0K | ||
| Q1 25 | $22.4M | $4.8M | ||
| Q4 24 | $14.3M | $6.8M | ||
| Q3 24 | $18.6M | $1.3M | ||
| Q2 24 | $21.0M | $6.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | 12.0% | ||
| Q3 25 | 10.0% | 9.4% | ||
| Q2 25 | 22.3% | 7.3% | ||
| Q1 25 | 30.4% | 11.5% | ||
| Q4 24 | 23.0% | 12.7% | ||
| Q3 24 | 26.1% | 14.3% | ||
| Q2 24 | 27.7% | 12.5% |
| Q1 26 | 26.6% | — | ||
| Q4 25 | 28.5% | 4.8% | ||
| Q3 25 | 7.9% | 1.7% | ||
| Q2 25 | 17.5% | 0.4% | ||
| Q1 25 | 23.8% | 3.9% | ||
| Q4 24 | 18.2% | 5.4% | ||
| Q3 24 | 20.5% | 1.0% | ||
| Q2 24 | 21.8% | 5.1% |
| Q1 26 | $0.89 | — | ||
| Q4 25 | $0.95 | $0.62 | ||
| Q3 25 | $0.27 | $0.19 | ||
| Q2 25 | $0.47 | $0.04 | ||
| Q1 25 | $0.71 | $0.40 | ||
| Q4 24 | $0.45 | $0.56 | ||
| Q3 24 | $0.60 | $0.11 | ||
| Q2 24 | $0.67 | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $1.3B | $-17.3M |
| Total Assets | $10.2B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $424.2M | $21.7M | ||
| Q3 25 | $626.9M | $16.0M | ||
| Q2 25 | $334.1M | $17.1M | ||
| Q1 25 | $486.2M | $31.5M | ||
| Q4 24 | $470.2M | $33.5M | ||
| Q3 24 | $321.2M | $14.7M | ||
| Q2 24 | $288.1M | $7.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $-17.3M | ||
| Q3 25 | $1.2B | $-25.7M | ||
| Q2 25 | $1.2B | $-29.0M | ||
| Q1 25 | $1.2B | $-29.7M | ||
| Q4 24 | $1.1B | $-35.6M | ||
| Q3 24 | $1.1B | $-42.8M | ||
| Q2 24 | $1.1B | $-44.6M |
| Q1 26 | $10.2B | — | ||
| Q4 25 | $9.7B | $403.2M | ||
| Q3 25 | $9.8B | $407.1M | ||
| Q2 25 | $9.7B | $399.8M | ||
| Q1 25 | $9.8B | $351.9M | ||
| Q4 24 | $9.7B | $349.7M | ||
| Q3 24 | $10.0B | $342.3M | ||
| Q2 24 | $9.9B | $321.4M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $39.6M |
| Free Cash FlowOCF − Capex | — | $35.2M |
| FCF MarginFCF / Revenue | — | 23.0% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $158.9M | $39.6M | ||
| Q3 25 | $59.3M | $10.0M | ||
| Q2 25 | $20.6M | $4.3M | ||
| Q1 25 | $35.6M | $5.6M | ||
| Q4 24 | $108.5M | $26.7M | ||
| Q3 24 | $39.6M | $12.5M | ||
| Q2 24 | $11.9M | $-4.8M |
| Q1 26 | — | — | ||
| Q4 25 | $151.1M | $35.2M | ||
| Q3 25 | $56.8M | $5.3M | ||
| Q2 25 | $19.6M | $533.0K | ||
| Q1 25 | $34.8M | $292.0K | ||
| Q4 24 | $86.4M | $21.6M | ||
| Q3 24 | $32.2M | $11.1M | ||
| Q2 24 | $6.5M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | 146.0% | 23.0% | ||
| Q3 25 | 51.7% | 3.8% | ||
| Q2 25 | 23.5% | 0.4% | ||
| Q1 25 | 37.0% | 0.2% | ||
| Q4 24 | 110.3% | 17.3% | ||
| Q3 24 | 35.5% | 8.9% | ||
| Q2 24 | 6.8% | -5.0% |
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 2.9% | ||
| Q3 25 | 2.3% | 3.4% | ||
| Q2 25 | 1.2% | 2.9% | ||
| Q1 25 | 0.8% | 4.3% | ||
| Q4 24 | 28.1% | 4.0% | ||
| Q3 24 | 8.1% | 1.2% | ||
| Q2 24 | 5.6% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 5.38× | 5.39× | ||
| Q3 25 | 6.88× | 4.32× | ||
| Q2 25 | 1.41× | 8.39× | ||
| Q1 25 | 1.59× | 1.17× | ||
| Q4 24 | 7.60× | 3.94× | ||
| Q3 24 | 2.13× | 9.70× | ||
| Q2 24 | 0.57× | -0.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OBK
| Net Interest Income | $87.2M | 84% |
| Noninterest Income | $16.8M | 16% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
