ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis
USA - NYSE:OBK - US68621T1025 - Common Stock
34.66 USD
-0.14 (-0.4%)
34.66 USD
0 (0%)
Overall OBK gets a fundamental rating of 3 out of 10. We evaluated OBK against 390 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.
In the past year OBK had a positive cash flow from operations.
In the past 5 years OBK has always been profitable.
In the past 5 years OBK always reported a positive cash flow from operatings.
1.2 Ratios
OBK has a Return On Assets of 0.72%. This is in the lower half of the industry: OBK underperforms 60.00% of its industry peers.
The Return On Equity of OBK (5.80%) is worse than 71.28% 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
The Profit Margin of OBK (20.19%) is worse than 64.36% of its industry peers.
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.
Compared to 1 year ago, OBK has more shares outstanding
Compared to 5 years ago, OBK has more shares outstanding
OBK has a better debt/assets ratio than last year.
2.2 Solvency
OBK has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.
OBK has a better Debt to FCF ratio (0.87) than 73.59% of its industry peers.
OBK has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of OBK (0.08) is better than 74.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.41%
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.
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%.
Measured over the past years, OBK shows a quite strong growth in Revenue. The Revenue has been growing by 10.07% on average per year.
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
Based on estimates for the next years, OBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.69% on average per year.
The Revenue is expected to grow by 5.82% on average over the next years.
EPS Next Y16.81%
EPS Next 2Y21.68%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue Next Year7.62%
Revenue Next 2Y7.36%
Revenue Next 3Y5.82%
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
Based on the Price/Earnings ratio of 16.20, the valuation of OBK can be described as correct.
Based on the Price/Earnings ratio, OBK is valued a bit more expensive than the industry average as 74.36% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of OBK to the average of the S&P500 Index (26.10), we can say OBK is valued slightly cheaper.
The Price/Forward Earnings ratio is 9.52, 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.
When comparing the Price/Forward Earnings ratio of OBK to the average of the S&P500 Index (22.52), we can say OBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.2 | ||
| Fwd PE | 9.52 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OBK is valued a bit cheaper than 66.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 13.69% in the coming years.
PEG (NY)0.96
PEG (5Y)11.23
EPS Next 2Y21.68%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
OBK has a Yearly Dividend Yield of 1.72%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.45, OBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.35, OBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
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
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 slower than its dividend. This means the dividend growth is not sustainable.
DP27%
EPS Next 2Y21.68%
EPS Next 3Y13.69%
34.66
-0.14 (-0.4%)
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 Change1.34%
Market Cap1.08B
Revenue(TTM)365.42M
Net Income(TTM)69.93M
Analysts82.22
Price Target44.06 (27.12%)
Short Float %1.03%
Short Ratio1.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
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)0%
PT rev (3m)8.91%
EPS NQ rev (1m)-8.18%
EPS NQ rev (3m)1.69%
EPS NY rev (1m)-4.93%
EPS NY rev (3m)-9.22%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)2.48%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.2 | ||
| Fwd PE | 9.52 | ||
| P/S | 3.12 | ||
| P/FCF | 9.74 | ||
| P/OCF | 8.61 | ||
| P/B | 0.9 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY6.17%
EPS(NY)3.64
Fwd EY10.51%
FCF(TTM)3.56
FCFY10.27%
OCF(TTM)4.02
OCFY11.61%
SpS11.09
BVpS38.62
TBVpS33.33
PEG (NY)0.96
PEG (5Y)11.23
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
WACC23.41%
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 Y16.81%
EPS Next 2Y21.68%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue 1Y (TTM)1.61%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%20.97%
Revenue Next Year7.62%
Revenue Next 2Y7.36%
Revenue Next 3Y5.82%
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 5 / 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 16.2 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 16.81% in the next year.