ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OBK - US68621T1025 - Common Stock
37.13 USD
-0.25 (-0.67%)
Overall OBK gets a fundamental rating of 3 out of 10. We evaluated OBK against 387 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.
1. Profitability
1.1 Basic Checks
In the past year OBK was profitable.
In the past year OBK had a positive cash flow from operations.
OBK had positive earnings in each of the past 5 years.
In the past 5 years OBK always reported a positive cash flow from operatings.
1.2 Ratios
OBK's Return On Assets of 0.61% is on the low side compared to the rest of the industry. OBK is outperformed by 71.58% of its industry peers.
OBK has a Return On Equity of 4.91%. This is in the lower half of the industry: OBK underperforms 78.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 4.91% | ||
| 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
1.3 Margins
OBK's Profit Margin of 16.33% is on the low side compared to the rest of the industry. OBK is outperformed by 73.90% of its industry peers.
OBK's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for OBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.33% | ||
| 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
2. Health
2.1 Basic Checks
OBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OBK has been increased compared to 1 year ago.
Compared to 5 years ago, OBK has more shares outstanding
Compared to 1 year ago, OBK has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OBK is 0.71, which is an excellent value as it means it would take OBK, only 0.71 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.71, OBK is in the better half of the industry, outperforming 76.74% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that OBK is not too dependend on debt financing.
OBK has a Debt to Equity ratio of 0.08. This is in the better half of the industry: OBK outperforms 73.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.93%.
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.
OBK shows a small growth in Revenue. In the last year, the Revenue has grown by 1.61%.
OBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.07% yearly.
EPS 1Y (TTM)-11.93%
EPS 3Y-18.77%
EPS 5Y1.44%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)1.61%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%20.97%
3.2 Future
OBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.09% yearly.
OBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.44% yearly.
EPS Next Y14.71%
EPS Next 2Y21.06%
EPS Next 3Y17.09%
EPS Next 5YN/A
Revenue Next Year7.96%
Revenue Next 2Y7.02%
Revenue Next 3Y6.44%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.35 indicates a rather expensive valuation of OBK.
Compared to the rest of the industry, the Price/Earnings ratio of OBK indicates a slightly more expensive valuation: OBK is more expensive than 76.49% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.41, OBK is valued a bit cheaper.
The Price/Forward Earnings ratio is 10.30, which indicates a very decent valuation of OBK.
OBK's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of OBK to the average of the S&P500 Index (35.40), we can say OBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.35 | ||
| Fwd PE | 10.3 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OBK indicates a somewhat cheap valuation: OBK is cheaper than 77.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as OBK's earnings are expected to grow with 17.09% in the coming years.
PEG (NY)1.18
PEG (5Y)12.03
EPS Next 2Y21.06%
EPS Next 3Y17.09%
5. Dividend
5.1 Amount
OBK has a Yearly Dividend Yield of 1.64%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, OBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.32, OBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
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
5.3 Sustainability
OBK pays out 32.13% of its income as dividend. This is a sustainable payout ratio.
The dividend of OBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP32.13%
EPS Next 2Y21.06%
EPS Next 3Y17.09%
NYSE:OBK (12/5/2025, 10:34:02 AM)
37.13
-0.25 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.51%
Inst Owner ChangeN/A
Ins Owners5.93%
Ins Owner Change1.5%
Market Cap1.15B
Revenue(TTM)365.42M
Net Income(TTM)59.68M
Analysts82.22
Price Target44.06 (18.66%)
Short Float %1.28%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
Yearly Dividend0.6
Dividend Growth(5Y)19.25%
DP32.13%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-40.62%
Min EPS beat(2)-41.21%
Max EPS beat(2)-40.03%
EPS beat(4)1
Avg EPS beat(4)-22.78%
Min EPS beat(4)-41.21%
Max EPS beat(4)2.18%
EPS beat(8)3
Avg EPS beat(8)-12.89%
EPS beat(12)5
Avg EPS beat(12)-8.05%
EPS beat(16)8
Avg EPS beat(16)-4.01%
Revenue beat(2)1
Avg Revenue beat(2)-4.22%
Min Revenue beat(2)-15.24%
Max Revenue beat(2)6.81%
Revenue beat(4)1
Avg Revenue beat(4)-5.23%
Min Revenue beat(4)-15.24%
Max Revenue beat(4)6.81%
Revenue beat(8)3
Avg Revenue beat(8)-3.65%
Revenue beat(12)3
Avg Revenue beat(12)-4.32%
Revenue beat(16)6
Avg Revenue beat(16)-2.77%
PT rev (1m)0%
PT rev (3m)-1.82%
EPS NQ rev (1m)-4.12%
EPS NQ rev (3m)-5.81%
EPS NY rev (1m)-1.79%
EPS NY rev (3m)-11.15%
Revenue NQ rev (1m)-0.86%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.35 | ||
| Fwd PE | 10.3 | ||
| P/S | 3.15 | ||
| P/FCF | 8.51 | ||
| P/OCF | 7.96 | ||
| P/B | 0.95 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY5.76%
EPS(NY)3.61
Fwd EY9.71%
FCF(TTM)4.37
FCFY11.76%
OCF(TTM)4.67
OCFY12.57%
SpS11.8
BVpS39.22
TBVpS33.94
PEG (NY)1.18
PEG (5Y)12.03
Graham Number43.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 4.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.33% | ||
| GM | N/A | ||
| FCFM | 37% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.42% | ||
| Cap/Sales | 2.55% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 226.51% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC22.56%
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)-11.93%
EPS 3Y-18.77%
EPS 5Y1.44%
EPS Q2Q%-16.67%
EPS Next Y14.71%
EPS Next 2Y21.06%
EPS Next 3Y17.09%
EPS Next 5YN/A
Revenue 1Y (TTM)1.61%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%20.97%
Revenue Next Year7.96%
Revenue Next 2Y7.02%
Revenue Next 3Y6.44%
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 1Y2.49%
FCF growth 3Y-19.63%
FCF growth 5Y11.39%
OCF growth 1Y-5.13%
OCF growth 3Y-14.16%
OCF growth 5Y11.98%
ORIGIN BANCORP INC / OBK FAQ
What is the fundamental rating for OBK stock?
ChartMill assigns a fundamental rating of 3 / 10 to OBK.
Can you provide the valuation status for ORIGIN BANCORP INC?
ChartMill assigns a valuation rating of 4 / 10 to ORIGIN BANCORP INC (OBK). This can be considered as Fairly Valued.
What is the profitability of OBK stock?
ORIGIN BANCORP INC (OBK) has a profitability rating of 2 / 10.
What are the PE and PB ratios of ORIGIN BANCORP INC (OBK) stock?
The Price/Earnings (PE) ratio for ORIGIN BANCORP INC (OBK) is 17.35 and the Price/Book (PB) ratio is 0.95.
What is the earnings growth outlook for ORIGIN BANCORP INC?
The Earnings per Share (EPS) of ORIGIN BANCORP INC (OBK) is expected to grow by 14.71% in the next year.