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ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis

NYSE:OBK - US68621T1025 - Common Stock

38.65 USD
-0.44 (-1.13%)
Last: 9/5/2025, 8:04:01 PM
38.65 USD
0 (0%)
After Hours: 9/5/2025, 8:04:01 PM
Fundamental Rating

3

Taking everything into account, OBK scores 3 out of 10 in our fundamental rating. OBK was compared to 395 industry peers in the Banks industry. OBK may be in some trouble as it scores bad on both profitability and health. OBK is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years OBK had a positive operating cash flow.
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

Looking at the Return On Assets, with a value of 0.72%, OBK is in line with its industry, outperforming 40.76% 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 70.89% of its industry peers.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 20.19%, OBK is doing worse than 63.04% of the companies in the same industry.
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 RankSector 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
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
OBK has more shares outstanding than it did 5 years ago.
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

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.
Looking at the Debt to FCF ratio, with a value of 0.87, OBK is in the better half of the industry, outperforming 74.68% 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's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. OBK outperforms 74.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.87
Altman-Z N/A
ROIC/WACCN/A
WACC22.12%
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.
OBK shows a decrease in Revenue. In the last year, the revenue decreased by -4.07%.
The Revenue has been growing by 10.07% on average over the past years. This is quite good.
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

The Earnings Per Share is expected to grow by 22.03% on average over the next years. This is a very strong growth
Based on estimates for the next years, OBK will show a small growth in Revenue. The Revenue will grow by 7.38% on average per year.
EPS Next Y29.11%
EPS Next 2Y22.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.52%
Revenue Next 2Y7.38%
Revenue Next 3YN/A
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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 17.25, which indicates a rather expensive current valuation of OBK.
OBK's Price/Earnings ratio is a bit more expensive when compared to the industry. OBK is more expensive than 73.92% 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 27.06.
A Price/Forward Earnings ratio of 10.55 indicates a reasonable valuation of OBK.
The rest of the industry has a similar Price/Forward Earnings ratio as OBK.
OBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.
Industry RankSector Rank
PE 17.25
Fwd PE 10.55
OBK Price Earnings VS Forward Price EarningsOBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

OBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OBK is cheaper than 63.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.86
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

OBK's 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 22.03% in the coming years.
PEG (NY)0.59
PEG (5Y)11.96
EPS Next 2Y22.03%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

OBK has a Yearly Dividend Yield of 1.53%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.18, OBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.32, OBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.53%

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

27.00% of the earnings are spent on dividend by OBK. This is a low number and sustainable payout ratio.
OBK's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP27%
EPS Next 2Y22.03%
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 (9/5/2025, 8:04:01 PM)

After market: 38.65 0 (0%)

38.65

-0.44 (-1.13%)

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 Change1.34%
Market Cap1.21B
Analysts82.22
Price Target44.88 (16.12%)
Short Float %1%
Short Ratio2.05
Dividend
Industry RankSector Rank
Dividend Yield 1.53%
Yearly Dividend0.6
Dividend Growth(5Y)19.25%
DP27%
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)-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)8.91%
PT rev (3m)9.45%
EPS NQ rev (1m)6.83%
EPS NQ rev (3m)14.63%
EPS NY rev (1m)0.34%
EPS NY rev (3m)0.66%
Revenue NQ rev (1m)-0.58%
Revenue NQ rev (3m)2.54%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)-0.31%
Valuation
Industry RankSector Rank
PE 17.25
Fwd PE 10.55
P/S 3.48
P/FCF 10.86
P/OCF 9.6
P/B 1
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)2.24
EY5.8%
EPS(NY)3.66
Fwd EY9.48%
FCF(TTM)3.56
FCFY9.21%
OCF(TTM)4.02
OCFY10.41%
SpS11.09
BVpS38.62
TBVpS33.33
PEG (NY)0.59
PEG (5Y)11.96
Profitability
Industry RankSector 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
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 0.87
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
WACC22.12%
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 Y29.11%
EPS Next 2Y22.03%
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 Year7.52%
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-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%