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Side-by-side financial comparison of Origin Bancorp, Inc. (OBK) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
Origin Bancorp, Inc. is the larger business by last-quarter revenue ($104.0M vs $60.9M, roughly 1.7× TSS, Inc.). Origin Bancorp, Inc. runs the higher net margin — 26.6% vs 20.0%, a 6.7% gap on every dollar of revenue. Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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".
OBK vs TSSI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $104.0M | $60.9M |
| Net Profit | $27.7M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | — | 1.5% |
| Net Margin | 26.6% | 20.0% |
| Revenue YoY | — | 21.8% |
| Net Profit YoY | — | 535.7% |
| EPS (diluted) | $0.89 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $109.8M | $41.9M | ||
| Q2 25 | $83.5M | $44.0M | ||
| Q1 25 | $94.1M | $99.0M | ||
| Q4 24 | $78.3M | $50.0M | ||
| Q3 24 | $90.8M | $70.1M | ||
| Q2 24 | $96.4M | $12.2M |
| Q1 26 | $27.7M | — | ||
| Q4 25 | $29.5M | $12.2M | ||
| Q3 25 | $8.6M | $-1.5M | ||
| Q2 25 | $14.6M | $1.5M | ||
| Q1 25 | $22.4M | $3.0M | ||
| Q4 24 | $14.3M | $1.9M | ||
| Q3 24 | $18.6M | $2.6M | ||
| Q2 24 | $21.0M | $1.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% |
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | 1.5% | ||
| Q3 25 | 10.0% | -2.2% | ||
| Q2 25 | 22.3% | 5.1% | ||
| Q1 25 | 30.4% | 4.2% | ||
| Q4 24 | 23.0% | 0.0% | ||
| Q3 24 | 26.1% | 5.4% | ||
| Q2 24 | 27.7% | 14.0% |
| Q1 26 | 26.6% | — | ||
| Q4 25 | 28.5% | 20.0% | ||
| Q3 25 | 7.9% | -3.6% | ||
| Q2 25 | 17.5% | 3.4% | ||
| Q1 25 | 23.8% | 3.0% | ||
| Q4 24 | 18.2% | 3.8% | ||
| Q3 24 | 20.5% | 3.8% | ||
| Q2 24 | 21.8% | 11.5% |
| Q1 26 | $0.89 | — | ||
| Q4 25 | $0.95 | $0.44 | ||
| Q3 25 | $0.27 | $-0.06 | ||
| Q2 25 | $0.47 | $0.06 | ||
| Q1 25 | $0.71 | $0.12 | ||
| Q4 24 | $0.45 | $0.08 | ||
| Q3 24 | $0.60 | $0.10 | ||
| Q2 24 | $0.67 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $76.6M |
| Total Assets | $10.2B | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $424.2M | $85.5M | ||
| Q3 25 | $626.9M | $70.7M | ||
| Q2 25 | $334.1M | — | ||
| Q1 25 | $486.2M | — | ||
| Q4 24 | $470.2M | $23.2M | ||
| Q3 24 | $321.2M | $46.4M | ||
| Q2 24 | $288.1M | $8.3M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $76.6M | ||
| Q3 25 | $1.2B | $63.4M | ||
| Q2 25 | $1.2B | $9.5M | ||
| Q1 25 | $1.2B | $9.4M | ||
| Q4 24 | $1.1B | $7.1M | ||
| Q3 24 | $1.1B | $7.7M | ||
| Q2 24 | $1.1B | $5.2M |
| Q1 26 | $10.2B | — | ||
| Q4 25 | $9.7B | $184.9M | ||
| Q3 25 | $9.8B | $165.4M | ||
| Q2 25 | $9.7B | $139.5M | ||
| Q1 25 | $9.8B | $113.5M | ||
| Q4 24 | $9.7B | $96.6M | ||
| Q3 24 | $10.0B | $67.3M | ||
| Q2 24 | $9.9B | $28.9M |
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 | — | $16.3M |
| Free Cash FlowOCF − Capex | — | $15.8M |
| FCF MarginFCF / Revenue | — | 25.9% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $158.9M | $16.3M | ||
| Q3 25 | $59.3M | $-18.4M | ||
| Q2 25 | $20.6M | $16.3M | ||
| Q1 25 | $35.6M | $20.6M | ||
| Q4 24 | $108.5M | $-21.6M | ||
| Q3 24 | $39.6M | $38.6M | ||
| Q2 24 | $11.9M | $-4.3M |
| Q1 26 | — | — | ||
| Q4 25 | $151.1M | $15.8M | ||
| Q3 25 | $56.8M | $-24.9M | ||
| Q2 25 | $19.6M | $5.4M | ||
| Q1 25 | $34.8M | $5.8M | ||
| Q4 24 | $86.4M | $-28.4M | ||
| Q3 24 | $32.2M | $38.6M | ||
| Q2 24 | $6.5M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | 146.0% | 25.9% | ||
| Q3 25 | 51.7% | -59.3% | ||
| Q2 25 | 23.5% | 12.3% | ||
| Q1 25 | 37.0% | 5.8% | ||
| Q4 24 | 110.3% | -56.7% | ||
| Q3 24 | 35.5% | 55.1% | ||
| Q2 24 | 6.8% | -49.4% |
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 0.9% | ||
| Q3 25 | 2.3% | 15.3% | ||
| Q2 25 | 1.2% | 24.8% | ||
| Q1 25 | 0.8% | 15.0% | ||
| Q4 24 | 28.1% | 13.4% | ||
| Q3 24 | 8.1% | 0.1% | ||
| Q2 24 | 5.6% | 13.8% |
| Q1 26 | — | — | ||
| Q4 25 | 5.38× | 1.34× | ||
| Q3 25 | 6.88× | — | ||
| Q2 25 | 1.41× | 11.02× | ||
| Q1 25 | 1.59× | 6.93× | ||
| Q4 24 | 7.60× | -11.32× | ||
| Q3 24 | 2.13× | 14.60× | ||
| Q2 24 | 0.57× | -3.09× |
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% |
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
