ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis
USA - NYSE:OBK - US68621T1025 - Common Stock
34.81 USD
-0.1 (-0.29%)
34.81 USD
0 (0%)
OBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. OBK may be in some trouble as it scores bad on both profitability and health. 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.
In the past 5 years OBK has always been profitable.
Each year in the past 5 years OBK had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.72%, OBK is doing worse than 60.57% of the companies in the same industry.
OBK's Return On Equity of 5.80% is on the low side compared to the rest of the industry. OBK is outperformed by 71.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 5.8% | ||
| 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
With a Profit Margin value of 20.19%, OBK is not doing good in the industry: 64.69% of the companies in the same industry are doing better.
OBK's Profit Margin has declined in the last couple of years.
OBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.19% | ||
| 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.
OBK has more shares outstanding than it did 1 year ago.
OBK has more shares outstanding than it did 5 years ago.
OBK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of OBK is 0.87, which is an excellent value as it means it would take OBK, only 0.87 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of OBK (0.87) is better than 72.94% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that OBK is not too dependend on debt financing.
The Debt to Equity ratio of OBK (0.08) is better than 74.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for OBK have decreased strongly by -11.93% in the last year.
OBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.44% yearly.
Looking at the last year, OBK shows a small growth in Revenue. The Revenue has grown by 1.61% in the last year.
The Revenue has been growing by 10.07% on average over the past years. This is quite good.
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.
Based on estimates for the next years, OBK will show a small growth in Revenue. The Revenue will grow by 6.44% on average per year.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
OBK is valuated correctly with a Price/Earnings ratio of 16.27.
OBK's Price/Earnings ratio is a bit more expensive when compared to the industry. OBK is more expensive than 74.74% of the companies in the same industry.
OBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.89.
The Price/Forward Earnings ratio is 9.65, which indicates a very decent valuation of OBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OBK is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, OBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.27 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OBK is valued a bit cheaper than 68.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.78 | ||
| 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)1.11
PEG (5Y)11.28
EPS Next 2Y21.06%
EPS Next 3Y17.09%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.71%, OBK has a reasonable but not impressive dividend return.
OBK's Dividend Yield is slightly below the industry average, which is at 3.38.
OBK's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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
27.00% of the earnings are spent on dividend by OBK. This is a low number and sustainable payout ratio.
The dividend of OBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27%
EPS Next 2Y21.06%
EPS Next 3Y17.09%
34.81
-0.1 (-0.29%)
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 Change2.8%
Market Cap1.09B
Revenue(TTM)365.42M
Net Income(TTM)69.93M
Analysts82.22
Price Target44.06 (26.57%)
Short Float %1.03%
Short Ratio1.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
Yearly Dividend0.6
Dividend Growth(5Y)19.25%
DP27%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-18.93%
Min EPS beat(2)-40.03%
Max EPS beat(2)2.18%
EPS beat(4)1
Avg EPS beat(4)-14.28%
Min EPS beat(4)-40.03%
Max EPS beat(4)2.18%
EPS beat(8)4
Avg EPS beat(8)-5.01%
EPS beat(12)6
Avg EPS beat(12)-4.37%
EPS beat(16)9
Avg EPS beat(16)-0.5%
Revenue beat(2)0
Avg Revenue beat(2)-7.88%
Min Revenue beat(2)-15.24%
Max Revenue beat(2)-0.51%
Revenue beat(4)0
Avg Revenue beat(4)-7.89%
Min Revenue beat(4)-15.24%
Max Revenue beat(4)-0.51%
Revenue beat(8)2
Avg Revenue beat(8)-5.9%
Revenue beat(12)3
Avg Revenue beat(12)-4.87%
Revenue beat(16)5
Avg Revenue beat(16)-3.23%
PT rev (1m)-1.82%
PT rev (3m)-1.82%
EPS NQ rev (1m)-8.08%
EPS NQ rev (3m)-3.26%
EPS NY rev (1m)-6.63%
EPS NY rev (3m)-10.85%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.27 | ||
| Fwd PE | 9.65 | ||
| P/S | 3.14 | ||
| P/FCF | 9.78 | ||
| P/OCF | 8.65 | ||
| P/B | 0.9 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY6.15%
EPS(NY)3.61
Fwd EY10.36%
FCF(TTM)3.56
FCFY10.22%
OCF(TTM)4.02
OCFY11.56%
SpS11.09
BVpS38.62
TBVpS33.33
PEG (NY)1.11
PEG (5Y)11.28
Graham Number43.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 5.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.19% | ||
| GM | N/A | ||
| FCFM | 32.07% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.87 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 81.57% | ||
| Cap/Sales | 4.2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 158.86% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC23.35%
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 1Y-27.2%
FCF growth 3Y-19.63%
FCF growth 5Y11.39%
OCF growth 1Y-24.36%
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 16.27 and the Price/Book (PB) ratio is 0.9.
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.