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ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis

NYSE:OBK - New York Stock Exchange, Inc. - US68621T1025 - Common Stock - Currency: USD

37.51  -0.02 (-0.05%)

After market: 37.51 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to OBK. OBK was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of OBK have multiple concerns. OBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

OBK had positive earnings in the past year.
In the past year OBK had a positive cash flow from operations.
OBK had positive earnings in each of the past 5 years.
OBK had a positive operating cash flow in each of the past 5 years.
OBK Yearly Net Income VS EBIT VS OCF VS FCFOBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

1.2 Ratios

OBK's Return On Assets of 0.78% is in line compared to the rest of the industry. OBK outperforms 46.31% of its industry peers.
OBK has a Return On Equity of 6.46%. This is in the lower half of the industry: OBK underperforms 66.41% of its industry peers.
Industry RankSector Rank
ROA 0.78%
ROE 6.46%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.88%
ROE(3y)7.93%
ROE(5y)8.86%
ROIC(3y)N/A
ROIC(5y)N/A
OBK Yearly ROA, ROE, ROICOBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

The Profit Margin of OBK (21.23%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of OBK has declined.
The Operating Margin and Gross Margin are not available for OBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.23%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.97%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
OBK Yearly Profit, Operating, Gross MarginsOBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

OBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OBK has more shares outstanding
Compared to 5 years ago, OBK has more shares outstanding
Compared to 1 year ago, OBK has an improved debt to assets ratio.
OBK Yearly Shares OutstandingOBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
OBK Yearly Total Debt VS Total AssetsOBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

OBK has a debt to FCF ratio of 0.98. This is a very positive value and a sign of high solvency as it would only need 0.98 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.98, OBK is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
OBK has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.08, OBK is doing good in the industry, outperforming 75.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.98
Altman-Z N/A
ROIC/WACCN/A
WACC22.58%
OBK Yearly LT Debt VS Equity VS FCFOBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OBK Yearly Current Assets VS Current LiabilitesOBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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4

3. Growth

3.1 Past

The earnings per share for OBK have decreased strongly by -14.50% in the last year.
Measured over the past 5 years, OBK shows a small growth in Earnings Per Share. The EPS has been growing by 1.44% on average per year.
Looking at the last year, OBK shows a decrease in Revenue. The Revenue has decreased by -4.07% in the last year.
Measured over the past years, OBK shows a quite strong growth in Revenue. The Revenue has been growing by 10.07% on average per year.
EPS 1Y (TTM)-14.5%
EPS 3Y-18.77%
EPS 5Y1.44%
EPS Q2Q%-29.85%
Revenue 1Y (TTM)-4.07%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%-13.34%

3.2 Future

Based on estimates for the next years, OBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.13% on average per year.
OBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.38% yearly.
EPS Next Y28.67%
EPS Next 2Y19.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.43%
Revenue Next 2Y7.38%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
OBK Yearly Revenue VS EstimatesOBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
OBK Yearly EPS VS EstimatesOBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

OBK is valuated correctly with a Price/Earnings ratio of 16.75.
74.05% of the companies in the same industry are cheaper than OBK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of OBK to the average of the S&P500 Index (26.93), we can say OBK is valued slightly cheaper.
OBK is valuated reasonably with a Price/Forward Earnings ratio of 10.74.
OBK's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.31, OBK is valued rather cheaply.
Industry RankSector Rank
PE 16.75
Fwd PE 10.74
OBK Price Earnings VS Forward Price EarningsOBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of OBK is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.95
EV/EBITDA N/A
OBK Per share dataOBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as OBK's earnings are expected to grow with 19.13% in the coming years.
PEG (NY)0.58
PEG (5Y)11.61
EPS Next 2Y19.13%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.70%, OBK has a reasonable but not impressive dividend return.
OBK's Dividend Yield is slightly below the industry average, which is at 3.54.
OBK's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.7%

5.2 History

The dividend of OBK is nicely growing with an annual growth rate of 19.25%!
OBK has been paying a dividend for over 5 years, so it has already some track record.
OBK has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)19.25%
Div Incr Years0
Div Non Decr Years6
OBK Yearly Dividends per shareOBK Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

OBK pays out 24.68% of its income as dividend. This is a sustainable payout ratio.
OBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.68%
EPS Next 2Y19.13%
EPS Next 3YN/A
OBK Yearly Income VS Free CF VS DividendOBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M
OBK Dividend Payout.OBK Dividend Payout, showing the Payout Ratio.OBK Dividend Payout.PayoutRetained Earnings

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ORIGIN BANCORP INC

NYSE:OBK (8/14/2025, 8:04:01 PM)

After market: 37.51 0 (0%)

37.51

-0.02 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners63.24%
Inst Owner ChangeN/A
Ins Owners5.95%
Ins Owner Change2.21%
Market Cap1.17B
Analysts82.22
Price Target44.88 (19.65%)
Short Float %1.21%
Short Ratio2.36
Dividend
Industry RankSector Rank
Dividend Yield 1.7%
Yearly Dividend0.6
Dividend Growth(5Y)19.25%
DP24.68%
Div Incr Years0
Div Non Decr Years6
Ex-Date08-15 2025-08-15 (0.15)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.95%
Min EPS beat(2)-12.08%
Max EPS beat(2)2.18%
EPS beat(4)2
Avg EPS beat(4)-2.43%
Min EPS beat(4)-12.08%
Max EPS beat(4)7.34%
EPS beat(8)5
Avg EPS beat(8)0.43%
EPS beat(12)7
Avg EPS beat(12)-0.73%
EPS beat(16)10
Avg EPS beat(16)3.09%
Revenue beat(2)0
Avg Revenue beat(2)-6.24%
Min Revenue beat(2)-11.97%
Max Revenue beat(2)-0.51%
Revenue beat(4)1
Avg Revenue beat(4)-2.9%
Min Revenue beat(4)-11.97%
Max Revenue beat(4)4.74%
Revenue beat(8)2
Avg Revenue beat(8)-4.18%
Revenue beat(12)4
Avg Revenue beat(12)-3.38%
Revenue beat(16)5
Avg Revenue beat(16)-2.62%
PT rev (1m)9.45%
PT rev (3m)9.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)0%
EPS NY rev (3m)2.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)-0.4%
Valuation
Industry RankSector Rank
PE 16.75
Fwd PE 10.74
P/S 3.26
P/FCF 11.95
P/OCF 10.02
P/B 0.99
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)2.24
EY5.97%
EPS(NY)3.49
Fwd EY9.31%
FCF(TTM)3.14
FCFY8.37%
OCF(TTM)3.74
OCFY9.98%
SpS11.51
BVpS37.8
TBVpS32.46
PEG (NY)0.58
PEG (5Y)11.61
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 6.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.23%
GM N/A
FCFM 27.29%
ROA(3y)0.85%
ROA(5y)0.88%
ROE(3y)7.93%
ROE(5y)8.86%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.97%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.98
Debt/EBITDA N/A
Cap/Depr 105.11%
Cap/Sales 5.26%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC22.58%
ROIC/WACCN/A
Cap/Depr(3y)117.51%
Cap/Depr(5y)106.08%
Cap/Sales(3y)5.42%
Cap/Sales(5y)4.17%
Profit Quality(3y)130.78%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.5%
EPS 3Y-18.77%
EPS 5Y1.44%
EPS Q2Q%-29.85%
EPS Next Y28.67%
EPS Next 2Y19.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.07%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%-13.34%
Revenue Next Year7.43%
Revenue Next 2Y7.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-32.4%
FCF growth 3Y-19.63%
FCF growth 5Y11.39%
OCF growth 1Y-26.05%
OCF growth 3Y-14.16%
OCF growth 5Y11.98%