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Side-by-side financial comparison of Origin Bancorp, Inc. (OBK) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
TRICO BANCSHARES is the larger business by last-quarter revenue ($109.4M vs $104.0M, roughly 1.1× Origin Bancorp, Inc.). TRICO BANCSHARES runs the higher net margin — 251.6% vs 26.6%, a 225.0% gap on every dollar of revenue. Over the past eight quarters, TRICO BANCSHARES 's revenue compounded faster (5.4% 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".
Trico Bancshares is a U.S.-headquartered regional bank holding company operating Tri Counties Bank. It offers a full range of retail and commercial banking services including deposit products, mortgages, small business loans, and wealth management, primarily serving consumers and SMEs in Northern California.
OBK vs TCBK — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $104.0M | $109.4M |
| Net Profit | $27.7M | $33.6M |
| Gross Margin | — | — |
| Operating Margin | — | 42.6% |
| Net Margin | 26.6% | 251.6% |
| Revenue YoY | — | 9.0% |
| Net Profit YoY | -6.2% | 15.8% |
| EPS (diluted) | $0.89 | $1.02 |
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 | $109.4M | ||
| Q3 25 | $109.8M | $107.6M | ||
| Q2 25 | $83.5M | $103.6M | ||
| Q1 25 | $94.1M | $98.6M | ||
| Q4 24 | $78.3M | $100.4M | ||
| Q3 24 | $90.8M | $99.1M | ||
| Q2 24 | $96.4M | $97.9M |
| Q1 26 | $27.7M | — | ||
| Q4 25 | $29.5M | $33.6M | ||
| Q3 25 | $8.6M | $34.0M | ||
| Q2 25 | $14.6M | $27.5M | ||
| Q1 25 | $22.4M | $26.4M | ||
| Q4 24 | $14.3M | $29.0M | ||
| Q3 24 | $18.6M | $29.1M | ||
| Q2 24 | $21.0M | $29.0M |
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | 42.6% | ||
| Q3 25 | 10.0% | 43.2% | ||
| Q2 25 | 22.3% | 36.5% | ||
| Q1 25 | 30.4% | 35.8% | ||
| Q4 24 | 23.0% | 38.7% | ||
| Q3 24 | 26.1% | 39.8% | ||
| Q2 24 | 27.7% | 40.0% |
| Q1 26 | 26.6% | — | ||
| Q4 25 | 28.5% | 251.6% | ||
| Q3 25 | 7.9% | 31.6% | ||
| Q2 25 | 17.5% | 26.6% | ||
| Q1 25 | 23.8% | 26.7% | ||
| Q4 24 | 18.2% | 221.4% | ||
| Q3 24 | 20.5% | 29.3% | ||
| Q2 24 | 21.8% | 29.7% |
| Q1 26 | $0.89 | — | ||
| Q4 25 | $0.95 | $1.02 | ||
| Q3 25 | $0.27 | $1.04 | ||
| Q2 25 | $0.47 | $0.84 | ||
| Q1 25 | $0.71 | $0.80 | ||
| Q4 24 | $0.45 | $0.88 | ||
| Q3 24 | $0.60 | $0.88 | ||
| Q2 24 | $0.67 | $0.87 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $157.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $1.3B |
| Total Assets | $10.2B | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $424.2M | $157.0M | ||
| Q3 25 | $626.9M | $298.8M | ||
| Q2 25 | $334.1M | $314.3M | ||
| Q1 25 | $486.2M | $308.3M | ||
| Q4 24 | $470.2M | $145.0M | ||
| Q3 24 | $321.2M | $320.1M | ||
| Q2 24 | $288.1M | $206.6M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $1.3B | ||
| Q3 25 | $1.2B | $1.3B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.3B | ||
| Q4 24 | $1.1B | $1.2B | ||
| Q3 24 | $1.1B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B |
| Q1 26 | $10.2B | — | ||
| Q4 25 | $9.7B | $9.8B | ||
| Q3 25 | $9.8B | $9.9B | ||
| Q2 25 | $9.7B | $9.9B | ||
| Q1 25 | $9.8B | $9.8B | ||
| Q4 24 | $9.7B | $9.7B | ||
| Q3 24 | $10.0B | $9.8B | ||
| Q2 24 | $9.9B | $9.7B |
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 | — | $133.3M |
| Free Cash FlowOCF − Capex | — | $127.9M |
| FCF MarginFCF / Revenue | — | 116.9% |
| Capex IntensityCapex / Revenue | — | 4.9% |
| Cash ConversionOCF / Net Profit | — | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | — | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $158.9M | $133.3M | ||
| Q3 25 | $59.3M | $45.1M | ||
| Q2 25 | $20.6M | $29.2M | ||
| Q1 25 | $35.6M | $24.5M | ||
| Q4 24 | $108.5M | $109.7M | ||
| Q3 24 | $39.6M | $28.6M | ||
| Q2 24 | $11.9M | $31.8M |
| Q1 26 | — | — | ||
| Q4 25 | $151.1M | $127.9M | ||
| Q3 25 | $56.8M | $43.2M | ||
| Q2 25 | $19.6M | $28.2M | ||
| Q1 25 | $34.8M | $22.8M | ||
| Q4 24 | $86.4M | $105.2M | ||
| Q3 24 | $32.2M | $27.3M | ||
| Q2 24 | $6.5M | $30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 146.0% | 116.9% | ||
| Q3 25 | 51.7% | 40.2% | ||
| Q2 25 | 23.5% | 27.2% | ||
| Q1 25 | 37.0% | 23.1% | ||
| Q4 24 | 110.3% | 104.8% | ||
| Q3 24 | 35.5% | 27.6% | ||
| Q2 24 | 6.8% | 31.5% |
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 4.9% | ||
| Q3 25 | 2.3% | 1.7% | ||
| Q2 25 | 1.2% | 1.0% | ||
| Q1 25 | 0.8% | 1.7% | ||
| Q4 24 | 28.1% | 4.5% | ||
| Q3 24 | 8.1% | 1.3% | ||
| Q2 24 | 5.6% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 5.38× | 3.96× | ||
| Q3 25 | 6.88× | 1.33× | ||
| Q2 25 | 1.41× | 1.06× | ||
| Q1 25 | 1.59× | 0.93× | ||
| Q4 24 | 7.60× | 3.78× | ||
| Q3 24 | 2.13× | 0.98× | ||
| Q2 24 | 0.57× | 1.10× |
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% |
TCBK
Segment breakdown not available.
