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Side-by-side financial comparison of Origin Bancorp, Inc. (OBK) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Origin Bancorp, Inc. is the larger business by last-quarter revenue ($104.0M vs $78.6M, roughly 1.3× Repay Holdings Corp). Origin Bancorp, Inc. runs the higher net margin — 26.6% vs -178.3%, a 204.9% gap on every dollar of revenue. Over the past eight quarters, Origin Bancorp, Inc.'s revenue compounded faster (3.9% CAGR vs -1.3%).
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".
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
OBK vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $104.0M | $78.6M |
| Net Profit | $27.7M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 26.6% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $0.89 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $109.8M | $77.7M | ||
| Q2 25 | $83.5M | $75.6M | ||
| Q1 25 | $94.1M | $77.3M | ||
| Q4 24 | $78.3M | $78.3M | ||
| Q3 24 | $90.8M | $79.1M | ||
| Q2 24 | $96.4M | $74.9M |
| Q1 26 | $27.7M | — | ||
| Q4 25 | $29.5M | $-140.1M | ||
| Q3 25 | $8.6M | $-6.4M | ||
| Q2 25 | $14.6M | $-102.3M | ||
| Q1 25 | $22.4M | $-7.9M | ||
| Q4 24 | $14.3M | $-4.1M | ||
| Q3 24 | $18.6M | $3.2M | ||
| Q2 24 | $21.0M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | -182.2% | ||
| Q3 25 | 10.0% | -3.9% | ||
| Q2 25 | 22.3% | -138.7% | ||
| Q1 25 | 30.4% | -4.7% | ||
| Q4 24 | 23.0% | -1.5% | ||
| Q3 24 | 26.1% | -0.9% | ||
| Q2 24 | 27.7% | -4.6% |
| Q1 26 | 26.6% | — | ||
| Q4 25 | 28.5% | -178.3% | ||
| Q3 25 | 7.9% | -8.3% | ||
| Q2 25 | 17.5% | -135.2% | ||
| Q1 25 | 23.8% | -10.3% | ||
| Q4 24 | 18.2% | -5.3% | ||
| Q3 24 | 20.5% | 4.1% | ||
| Q2 24 | 21.8% | -5.4% |
| Q1 26 | $0.89 | — | ||
| Q4 25 | $0.95 | $-1.68 | ||
| Q3 25 | $0.27 | $-0.08 | ||
| Q2 25 | $0.47 | $-1.15 | ||
| Q1 25 | $0.71 | $-0.09 | ||
| Q4 24 | $0.45 | $-0.04 | ||
| Q3 24 | $0.60 | $0.03 | ||
| Q2 24 | $0.67 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $1.3B | $484.4M |
| Total Assets | $10.2B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $424.2M | $115.7M | ||
| Q3 25 | $626.9M | $95.7M | ||
| Q2 25 | $334.1M | $162.6M | ||
| Q1 25 | $486.2M | $165.5M | ||
| Q4 24 | $470.2M | $189.5M | ||
| Q3 24 | $321.2M | $168.7M | ||
| Q2 24 | $288.1M | $147.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.2B | $633.7M | ||
| Q1 25 | $1.2B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.1B | $815.4M |
| Q1 26 | $10.2B | — | ||
| Q4 25 | $9.7B | $1.2B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.4B | ||
| Q1 25 | $9.8B | $1.5B | ||
| Q4 24 | $9.7B | $1.6B | ||
| Q3 24 | $10.0B | $1.6B | ||
| Q2 24 | $9.9B | $1.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
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 | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $158.9M | $23.3M | ||
| Q3 25 | $59.3M | $32.2M | ||
| Q2 25 | $20.6M | $33.1M | ||
| Q1 25 | $35.6M | $2.5M | ||
| Q4 24 | $108.5M | $34.3M | ||
| Q3 24 | $39.6M | $60.1M | ||
| Q2 24 | $11.9M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $151.1M | $23.2M | ||
| Q3 25 | $56.8M | $32.1M | ||
| Q2 25 | $19.6M | $33.0M | ||
| Q1 25 | $34.8M | $2.4M | ||
| Q4 24 | $86.4M | $34.0M | ||
| Q3 24 | $32.2M | $59.8M | ||
| Q2 24 | $6.5M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 146.0% | 29.6% | ||
| Q3 25 | 51.7% | 41.3% | ||
| Q2 25 | 23.5% | 43.6% | ||
| Q1 25 | 37.0% | 3.0% | ||
| Q4 24 | 110.3% | 43.5% | ||
| Q3 24 | 35.5% | 75.6% | ||
| Q2 24 | 6.8% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 0.1% | ||
| Q3 25 | 2.3% | 0.2% | ||
| Q2 25 | 1.2% | 0.1% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | 28.1% | 0.3% | ||
| Q3 24 | 8.1% | 0.3% | ||
| Q2 24 | 5.6% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 5.38× | — | ||
| Q3 25 | 6.88× | — | ||
| Q2 25 | 1.41× | — | ||
| Q1 25 | 1.59× | — | ||
| Q4 24 | 7.60× | — | ||
| Q3 24 | 2.13× | 18.52× | ||
| Q2 24 | 0.57× | — |
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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
