ORIGIN BANCORP INC (OBNK) Fundamental Analysis & Valuation

NASDAQ:OBNK • US68621T1025

Current stock price

28.61 USD
-0.54 (-1.85%)
At close:
28.61 USD
0 (0%)
After Hours:

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

1

1. OBNK Profitability Analysis

1.1 Basic Checks

  • OBNK had positive earnings in the past year.
  • In the past year OBNK had a positive cash flow from operations.
OBNK Yearly Net Income VS EBIT VS OCF VS FCFOBNK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 0 50M 100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.88%, OBNK is doing worse than 65.89% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.20%, OBNK is doing worse than 68.69% of the companies in the same industry.
Industry RankSector Rank
ROA 0.88%
ROE 9.2%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
OBNK Yearly ROA, ROE, ROICOBNK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 5 10

1.3 Margins

  • OBNK's Profit Margin of 25.54% is on the low side compared to the rest of the industry. OBNK is outperformed by 60.98% of its industry peers.
  • In the last couple of years the Profit Margin of OBNK has grown nicely.
  • OBNK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.54%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.52%
PM growth 5Y33.83%
GM growth 3YN/A
GM growth 5YN/A
OBNK Yearly Profit, Operating, Gross MarginsOBNK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. OBNK Health Analysis

2.1 Basic Checks

  • OBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OBNK has more shares outstanding than it did 1 year ago.
  • The debt/assets ratio for OBNK has been reduced compared to a year ago.
OBNK Yearly Shares OutstandingOBNK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M
OBNK Yearly Total Debt VS Total AssetsOBNK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2B 4B 6B 8B

2.2 Solvency

  • OBNK has a debt to FCF ratio of 1.44. This is a very positive value and a sign of high solvency as it would only need 1.44 years to pay back of all of its debts.
  • OBNK's Debt to FCF ratio of 1.44 is fine compared to the rest of the industry. OBNK outperforms 61.45% of its industry peers.
  • A Debt/Equity ratio of 0.20 indicates that OBNK is not too dependend on debt financing.
  • OBNK has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.44
Altman-Z N/A
ROIC/WACCN/A
WACC7.52%
OBNK Yearly LT Debt VS Equity VS FCFOBNK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OBNK Yearly Current Assets VS Current LiabilitesOBNK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 50M 100M 150M

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

5

3. OBNK Growth Analysis

3.1 Past

  • The earnings per share for OBNK have decreased strongly by -26.71% in the last year.
  • OBNK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 49.43% yearly.
  • OBNK shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.31%.
  • Measured over the past years, OBNK shows a quite strong growth in Revenue. The Revenue has been growing by 15.83% on average per year.
EPS 1Y (TTM)-26.71%
EPS 3Y12.84%
EPS 5Y49.43%
EPS Q2Q%-9.2%
Revenue 1Y (TTM)30.31%
Revenue growth 3Y14.73%
Revenue growth 5Y15.83%
Sales Q2Q%36.72%

3.2 Future

  • Based on estimates for the next years, OBNK will show a small growth in Earnings Per Share. The EPS will grow by 3.24% on average per year.
  • OBNK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.84% yearly.
EPS Next Y7.7%
EPS Next 2Y3.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.25%
Revenue Next 2Y8.84%
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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
OBNK Yearly Revenue VS EstimatesOBNK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
OBNK Yearly EPS VS EstimatesOBNK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

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4

4. OBNK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.91 indicates a reasonable valuation of OBNK.
  • Compared to the rest of the industry, the Price/Earnings ratio of OBNK indicates a slightly more expensive valuation: OBNK is more expensive than 64.95% of the companies listed in the same industry.
  • OBNK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.78.
  • With a Price/Forward Earnings ratio of 8.16, the valuation of OBNK can be described as very reasonable.
  • OBNK's Price/Forward Earnings is on the same level as the industry average.
  • OBNK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.54.
Industry RankSector Rank
PE 8.91
Fwd PE 8.16
OBNK Price Earnings VS Forward Price EarningsOBNK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • OBNK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 6.07
EV/EBITDA N/A
OBNK Per share dataOBNK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)0.18
EPS Next 2Y3.24%
EPS Next 3YN/A

More info and screens

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

4

5. OBNK Dividend Analysis

5.1 Amount

  • OBNK has a Yearly Dividend Yield of 2.10%.
  • The stock price of OBNK dropped by -27.83% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • OBNK's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.89, OBNK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.1%

5.2 History

  • On average, the dividend of OBNK grows each year by 23.33%, which is quite nice.
  • OBNK has been paying a dividend for over 5 years, so it has already some track record.
  • OBNK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)23.33%
Div Incr Years4
Div Non Decr Years4
OBNK Yearly Dividends per shareOBNK Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • OBNK pays out 19.06% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of OBNK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP19.06%
EPS Next 2Y3.24%
EPS Next 3YN/A
OBNK Yearly Income VS Free CF VS DividendOBNK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 0 50M 100M 150M
OBNK Dividend Payout.OBNK Dividend Payout, showing the Payout Ratio.OBNK Dividend Payout.PayoutRetained Earnings

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OBNK Fundamentals: All Metrics, Ratios and Statistics

ORIGIN BANCORP INC

NASDAQ:OBNK (5/19/2023, 8:00:02 PM)

After market: 28.61 0 (0%)

28.61

-0.54 (-1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-26
Earnings (Next)07-25
Inst Owners57.59%
Inst Owner Change0%
Ins Owners0.66%
Ins Owner Change0%
Market Cap880.64M
Revenue(TTM)357.68M
Net Income(TTM)91.33M
Analysts81.82
Price Target35.09 (22.65%)
Short Float %0%
Short Ratio0
Dividend
Industry RankSector Rank
Dividend Yield 2.1%
Yearly Dividend0.58
Dividend Growth(5Y)23.33%
DP19.06%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.31%
Min EPS beat(2)-15.08%
Max EPS beat(2)-5.54%
EPS beat(4)2
Avg EPS beat(4)-4.01%
Min EPS beat(4)-15.08%
Max EPS beat(4)2.6%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-5.94%
Min Revenue beat(2)-6.19%
Max Revenue beat(2)-5.69%
Revenue beat(4)1
Avg Revenue beat(4)-2.74%
Min Revenue beat(4)-6.19%
Max Revenue beat(4)1.71%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-10.65%
PT rev (3m)-24.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.68%
EPS NY rev (1m)0%
EPS NY rev (3m)-24.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.63%
Valuation
Industry RankSector Rank
PE 8.91
Fwd PE 8.16
P/S 2.46
P/FCF 6.07
P/OCF 5.57
P/B 0.89
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)3.21
EY11.22%
EPS(NY)3.51
Fwd EY12.26%
FCF(TTM)4.71
FCFY16.47%
OCF(TTM)5.14
OCFY17.96%
SpS11.62
BVpS32.25
TBVpS25.94
PEG (NY)1.16
PEG (5Y)0.18
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 9.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.54%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y2.52%
PM growth 5Y33.83%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.44
Debt/EBITDA N/A
Cap/Depr 88.61%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 158.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC7.52%
ROIC/WACCN/A
Cap/Depr(3y)82.23%
Cap/Depr(5y)101.41%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-26.71%
EPS 3Y12.84%
EPS 5Y49.43%
EPS Q2Q%-9.2%
EPS Next Y7.7%
EPS Next 2Y3.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.31%
Revenue growth 3Y14.73%
Revenue growth 5Y15.83%
Sales Q2Q%36.72%
Revenue Next Year15.25%
Revenue Next 2Y8.84%
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 1Y152.3%
FCF growth 3Y39.62%
FCF growth 5Y18.38%
OCF growth 1Y145.92%
OCF growth 3Y33.22%
OCF growth 5Y18.63%

ORIGIN BANCORP INC / OBNK Fundamental Analysis FAQ

What is the fundamental rating for OBNK stock?

ChartMill assigns a fundamental rating of 2 / 10 to OBNK.


What is the valuation status for OBNK stock?

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


How profitable is ORIGIN BANCORP INC (OBNK) stock?

ORIGIN BANCORP INC (OBNK) has a profitability rating of 0 / 10.


What are the PE and PB ratios of ORIGIN BANCORP INC (OBNK) stock?

The Price/Earnings (PE) ratio for ORIGIN BANCORP INC (OBNK) is 8.91 and the Price/Book (PB) ratio is 0.89.


What is the financial health of ORIGIN BANCORP INC (OBNK) stock?

The financial health rating of ORIGIN BANCORP INC (OBNK) is 0 / 10.