ORIGIN BANCORP INC (OBK) Fundamental Analysis & Valuation

NYSE:OBK • US68621T1025

Current stock price

45.37 USD
+1.58 (+3.61%)
At close:
45.37 USD
0 (0%)
After Hours:

This OBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. OBK Profitability Analysis

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M

1.2 Ratios

  • The Return On Assets of OBK (0.77%) is worse than 67.37% of its industry peers.
  • OBK has a worse Return On Equity (6.03%) than 77.37% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 6.03%
ROIC N/A
ROA(3y)0.81%
ROA(5y)0.94%
ROE(3y)6.86%
ROE(5y)8.94%
ROIC(3y)N/A
ROIC(5y)N/A
OBK Yearly ROA, ROE, ROICOBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • OBK's Profit Margin of 19.24% is on the low side compared to the rest of the industry. OBK is outperformed by 73.68% of its industry peers.
  • OBK's Profit Margin has improved 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) 19.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.97%
PM growth 5Y6.25%
GM growth 3YN/A
GM growth 5YN/A
OBK Yearly Profit, Operating, Gross MarginsOBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. OBK Health Analysis

2.1 Basic Checks

  • OBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OBK has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for OBK has been increased compared to 5 years ago.
  • The debt/assets ratio for OBK has been reduced compared to a year ago.
OBK Yearly Shares OutstandingOBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
OBK Yearly Total Debt VS Total AssetsOBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of OBK is 0.21, which is an excellent value as it means it would take OBK, only 0.21 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.21, OBK belongs to the top of the industry, outperforming 88.68% of the companies in the same industry.
  • A Debt/Equity ratio of 0.03 indicates that OBK is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.03, OBK belongs to the best of the industry, outperforming 86.05% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACC19.32%
OBK Yearly LT Debt VS Equity VS FCFOBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. OBK Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.91% over the past year.
  • The Earnings Per Share has been growing by 11.15% on average over the past years. This is quite good.
  • The Revenue has grown by 9.86% in the past year. This is quite good.
  • Measured over the past years, OBK shows a quite strong growth in Revenue. The Revenue has been growing by 8.81% on average per year.
EPS 1Y (TTM)6.91%
EPS 3Y-7.19%
EPS 5Y11.15%
EPS Q2Q%106.52%
Revenue 1Y (TTM)9.86%
Revenue growth 3Y5.52%
Revenue growth 5Y8.81%
Sales Q2Q%32.57%

3.2 Future

  • OBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.49% yearly.
  • OBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.35% yearly.
EPS Next Y45.1%
EPS Next 2Y25.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.94%
Revenue Next 2Y7.35%
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 stable: in the next years the growth will be about the same than in the last years.
OBK Yearly Revenue VS EstimatesOBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 1 2 3 4

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5

4. OBK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 17.25 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 77.63% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 26.91. OBK is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.89, 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 23.68. OBK is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.25
Fwd PE 11.89
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

  • Based on the Price/Free Cash Flow ratio, OBK is valued a bit cheaper than the industry average as 77.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.31
EV/EBITDA N/A
OBK Per share dataOBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • OBK's earnings are expected to grow with 25.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)1.55
EPS Next 2Y25.49%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. OBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.49%, OBK has a reasonable but not impressive dividend return.
  • OBK's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to the average S&P500 Dividend Yield of 1.89, OBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.49%

5.2 History

  • On average, the dividend of OBK grows each year by 9.91%, which is quite nice.
  • 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)9.91%
Div Incr Years0
Div Non Decr Years7
OBK Yearly Dividends per shareOBK Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 25.10% of the earnings are spent on dividend by OBK. This is a low number and sustainable payout ratio.
  • OBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.1%
EPS Next 2Y25.49%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M
OBK Dividend Payout.OBK Dividend Payout, showing the Payout Ratio.OBK Dividend Payout.PayoutRetained Earnings

More info and screens

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OBK Fundamentals: All Metrics, Ratios and Statistics

ORIGIN BANCORP INC

NYSE:OBK (4/9/2026, 8:04:00 PM)

After market: 45.37 0 (0%)

45.37

+1.58 (+3.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners65.06%
Inst Owner ChangeN/A
Ins Owners6.14%
Ins Owner Change2.81%
Market Cap1.41B
Revenue(TTM)390.83M
Net Income(TTM)75.20M
Analysts82.22
Price Target49.16 (8.35%)
Short Float %1.47%
Short Ratio1.98
Dividend
Industry RankSector Rank
Dividend Yield 1.49%
Yearly Dividend0.61
Dividend Growth(5Y)9.91%
DP25.1%
Div Incr Years0
Div Non Decr Years7
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-15.52%
Min EPS beat(2)-41.21%
Max EPS beat(2)10.17%
EPS beat(4)2
Avg EPS beat(4)-17.22%
Min EPS beat(4)-41.21%
Max EPS beat(4)10.17%
EPS beat(8)4
Avg EPS beat(8)-7.64%
EPS beat(12)6
Avg EPS beat(12)-6.82%
EPS beat(16)8
Avg EPS beat(16)-5.01%
Revenue beat(2)2
Avg Revenue beat(2)4.58%
Min Revenue beat(2)2.36%
Max Revenue beat(2)6.81%
Revenue beat(4)2
Avg Revenue beat(4)-1.65%
Min Revenue beat(4)-15.24%
Max Revenue beat(4)6.81%
Revenue beat(8)4
Avg Revenue beat(8)-2.17%
Revenue beat(12)4
Avg Revenue beat(12)-3.73%
Revenue beat(16)6
Avg Revenue beat(16)-2.98%
PT rev (1m)0%
PT rev (3m)13.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.9%
EPS NY rev (1m)0%
EPS NY rev (3m)3.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.73%
Valuation
Industry RankSector Rank
PE 17.25
Fwd PE 11.89
P/S 3.6
P/FCF 9.31
P/OCF 8.84
P/B 1.13
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)2.63
EY5.8%
EPS(NY)3.82
Fwd EY8.41%
FCF(TTM)4.88
FCFY10.75%
OCF(TTM)5.13
OCFY11.31%
SpS12.62
BVpS40.24
TBVpS35.01
PEG (NY)0.38
PEG (5Y)1.55
Graham Number48.8
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 6.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.24%
GM N/A
FCFM 38.65%
ROA(3y)0.81%
ROA(5y)0.94%
ROE(3y)6.86%
ROE(5y)8.94%
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-9.97%
PM growth 5Y6.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.21
Debt/EBITDA N/A
Cap/Depr 46.8%
Cap/Sales 2.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 200.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC19.32%
ROIC/WACCN/A
Cap/Depr(3y)110.08%
Cap/Depr(5y)94.57%
Cap/Sales(3y)5.24%
Cap/Sales(5y)4.01%
Profit Quality(3y)145.63%
Profit Quality(5y)149.34%
High Growth Momentum
Growth
EPS 1Y (TTM)6.91%
EPS 3Y-7.19%
EPS 5Y11.15%
EPS Q2Q%106.52%
EPS Next Y45.1%
EPS Next 2Y25.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.86%
Revenue growth 3Y5.52%
Revenue growth 5Y8.81%
Sales Q2Q%32.57%
Revenue Next Year8.94%
Revenue Next 2Y7.35%
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 1Y74.76%
FCF growth 3Y3.28%
FCF growth 5YN/A
OCF growth 1Y46.49%
OCF growth 3Y2.96%
OCF growth 5Y181.44%

ORIGIN BANCORP INC / OBK Fundamental Analysis FAQ

What is the fundamental rating for OBK stock?

ChartMill assigns a fundamental rating of 4 / 10 to OBK.


What is the valuation status for OBK stock?

ChartMill assigns a valuation rating of 5 / 10 to ORIGIN BANCORP INC (OBK). This can be considered as Fairly Valued.


How profitable is ORIGIN BANCORP INC (OBK) stock?

ORIGIN BANCORP INC (OBK) has a profitability rating of 3 / 10.


What is the valuation of ORIGIN BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ORIGIN BANCORP INC (OBK) is 17.25 and the Price/Book (PB) ratio is 1.13.


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 45.1% in the next year.