ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OBK - US68621T1025 - Common Stock
39.49 USD
+0.24 (+0.61%)
39.49 USD
0 (0%)
OBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 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
OBK had positive earnings in the past year.
OBK had a positive operating cash flow in the past year.
Each year in the past 5 years OBK has been profitable.
Each year in the past 5 years OBK had a positive operating cash flow.
1.2 Ratios
The Return On Assets of OBK (0.61%) is worse than 71.32% of its industry peers.
OBK's Return On Equity of 4.91% is on the low side compared to the rest of the industry. OBK is outperformed by 77.00% 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
With a Profit Margin value of 16.33%, OBK is not doing good in the industry: 73.64% 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) | 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.
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
OBK has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.
OBK has a Debt to FCF ratio of 0.71. This is in the better half of the industry: OBK outperforms 74.94% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that OBK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.08, OBK is in the better half of the industry, outperforming 73.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.05%
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%.
The Earnings Per Share has been growing slightly by 1.44% on average over the past years.
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 17.07% yearly.
The Revenue is expected to grow by 6.44% on average over the next years.
EPS Next Y0.87%
EPS Next 2Y22.48%
EPS Next 3Y17.07%
EPS Next 5YN/A
Revenue Next Year8.6%
Revenue Next 2Y7.32%
Revenue Next 3Y6.44%
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.
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 18.45 indicates a rather expensive valuation of OBK.
Based on the Price/Earnings ratio, OBK is valued a bit more expensive than the industry average as 77.26% of the companies are valued more cheaply.
OBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.70, the valuation of OBK can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OBK is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.70. OBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.45 | ||
| Fwd PE | 10.7 |
4.2 Price Multiples
OBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OBK is cheaper than 74.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as OBK's earnings are expected to grow with 17.07% in the coming years.
PEG (NY)21.29
PEG (5Y)12.79
EPS Next 2Y22.48%
EPS Next 3Y17.07%
5. Dividend
5.1 Amount
OBK has a Yearly Dividend Yield of 1.60%. Purely for dividend investing, there may be better candidates out there.
OBK's Dividend Yield is slightly below the industry average, which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, OBK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.6% |
5.2 History
On average, the dividend of OBK grows each year by 19.25%, which is quite nice.
OBK has been paying a dividend for over 5 years, so it has already some track record.
As OBK did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)19.25%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
32.13% 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.
DP32.13%
EPS Next 2Y22.48%
EPS Next 3Y17.07%
39.49
+0.24 (+0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.69%
Inst Owner ChangeN/A
Ins Owners6.11%
Ins Owner Change2.51%
Market Cap1.22B
Revenue(TTM)365.42M
Net Income(TTM)59.68M
Analysts82.22
Price Target43.45 (10.03%)
Short Float %1.25%
Short Ratio2.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.6% |
Yearly Dividend0.6
Dividend Growth(5Y)19.25%
DP32.13%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
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)-1.39%
PT rev (3m)-3.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-17.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.45 | ||
| Fwd PE | 10.7 | ||
| P/S | 3.35 | ||
| P/FCF | 9.05 | ||
| P/OCF | 8.46 | ||
| P/B | 1.01 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY5.42%
EPS(NY)3.69
Fwd EY9.34%
FCF(TTM)4.37
FCFY11.05%
OCF(TTM)4.67
OCFY11.81%
SpS11.8
BVpS39.22
TBVpS33.94
PEG (NY)21.29
PEG (5Y)12.79
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
WACC22.05%
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 Y0.87%
EPS Next 2Y22.48%
EPS Next 3Y17.07%
EPS Next 5YN/A
Revenue 1Y (TTM)1.61%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%20.97%
Revenue Next Year8.6%
Revenue Next 2Y7.32%
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.
What is the valuation status of ORIGIN BANCORP INC (OBK) stock?
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.
Can you provide the financial health for OBK stock?
The financial health rating of ORIGIN BANCORP INC (OBK) is 3 / 10.
What is the expected EPS growth for ORIGIN BANCORP INC (OBK) stock?
The Earnings per Share (EPS) of ORIGIN BANCORP INC (OBK) is expected to grow by 0.87% in the next year.