OBKMEDIUM SIGNALOPERATIONAL10-K

OBK transferred its stock listing from Nasdaq to NYSE under new symbol "OBK" and expanded into insurance services through its Forth Insurance subsidiary.

The exchange transfer to NYSE represents a strategic move that could enhance institutional investor access and trading liquidity for the regional bank. The addition of insurance agency services through Forth Insurance demonstrates diversification efforts to expand fee-based revenue streams beyond traditional banking operations.

Comparing 2026-02-25 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

OBK's operating cash flow grew meaningfully to $158.9 million from $108.5 million, indicating stronger operational performance. Capital expenditures declined substantially from $22.0 million to $7.9 million, suggesting either completion of major infrastructure investments or a more conservative spending approach. The combination of higher operating cash flow and reduced capital spending points to improved cash generation and operational efficiency.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
-64.3%
$22.0M$7.9M

Capex reduced 64.3% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Operating Cash Flow
Cash Flow
+46.5%
$108.5M$158.9M

Operating cash flow surged 46.5% — exceptional cash generation, highest quality earnings signal.

LANGUAGE CHANGES
NEW — 2026-02-25
PRIOR — 2025-02-27
ADDED
FORM 10-K DECEMBER 31, 2025 INDEX Page Cautionary Note Regarding Forward-Looking Statements 3 PART I 5 Item 1.
In addition, we provide a broad range of insurance agency products and services through our wholly owned insurance agency subsidiary, Forth Insurance, LLC.
At December 31, 2025, we had total assets of $9.72 billion, total loans held for investment ( LHFI ) of $7.67 billion, total deposits of $8.31 billion and total stockholders equity of $1.25 billion.
Our common stock is traded on the New York Stock Exchange ( NYSE ) under the stock symbol OBK .
At December 31, 2025, our LHFI portfolio was comprised of 32.8% commercial and industrial loans including mortgage warehouse loans, and 40.9% commercial real estate loans, including construction/land/land development loans.
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REMOVED
FORM 10-K DECEMBER 31, 2024 INDEX Page Cautionary Note Regarding Forward-Looking Statements 4 PART I 6 Item 1.
As noted in our Management s Discussion and Analysis of Financial Condition and Results of Operations, Results of Operations, Noninterest Expense section of this report we expect to close six of these banking centers at the end of February 2025.
At December 31, 2024, we had total assets of $9.68 billion, total loans held for investment ( LHFI ) of $7.57 billion, total deposits of $8.22 billion and total stockholders equity of $1.15 billion.
We completed an initial public offering of our common stock in May 2018 and began trading on the Nasdaq Stock Market LLC ( Nasdaq ) under the symbol OBNK .
On May 9, 2023, the Company provided written notice to Nasdaq of its determination to voluntarily withdraw the listing of the Company s common stock from Nasdaq and transfer the listing to the New York Stock Exchange ( NYSE ).
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