OBK

Origin Bancorp, Inc.

Fundamental data last updated:November 6, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

Not Scheduled

Business Summary

Origin Bancorp, Inc. acts as the parent organization for Origin Bank, delivering a comprehensive range of banking and financial services. Its diverse clientele includes small to mid-sized businesses, municipal entities, and individual consumers across its operating regions of Texas, Louisiana, and Mississippi. The bank's offerings encompass various deposit accounts, such as interest-bearing and non-interest-bearing checking accounts, savings deposits, money market accounts, and time deposits. On the lending side, Origin Bank provides a broad spectrum of loan products, including commercial and residential real estate, construction and land development, consumer, commercial and industrial, mortgage warehouse, residential mortgage, and Paycheck Protection Program (PPP) loans. Beyond core banking, the company also offers personal and commercial property and casualty insurance products. Customers benefit from an extensive suite of digital and convenience services, such as internet banking, voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automated account transfer services. Additionally, advanced services like treasury management, mortgage origination and servicing, peer-to-peer electronic payment solutions, and personal financial management tools are available. Established in 1912, the firm's corporate headquarters are located in Ruston, Louisiana.

 


VALUATION

P/E

12.40

Market Cap ($M USD)

$1.60B

Forward P/E

12.67

PEG

0.16

PRICE TO SALES

3.55

PRICE TO BOOK

1.26

EV / EBITDA

11.62

5-Year Average P/E

Free Cash Flow Yield

10.97%

DCF Value

$37.78

Graham Number

$62.20

Price to FCF

9.12

EV to FCF

8.64

Earnings Yield

8.08%

FCF Yield

10.97%

DIVIDEND

Yield

1.54%

Annual Payout

$0.80

Payout Ratio

17.03%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$4.19

Next Year EPS Growth Estimate

$4.09

Next Year Revenue Growth Estimate

$436.46M

Return on Equity (ROE)

10.20%

FREE CASH FLOW

Operating Margin

26.41%

Debt-to-Equity

0.00

Piotroski F-Score

6

Altman Z-Score

0.30

Return on Invested Capital (ROIC)

22.81%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

-0.65

Interest Coverage

0.88

Gross Profit margin

68.81%

FCF PER SHARE

$5.70

REVENUE PER SHARE

$14.64

Gainseekers Quantitative Analysis

Summary

OBK Origin Bancorp, Inc. appears to be mispriced by the market, trading above its DCF Value and Graham Number, suggesting potential overvaluation. The Forward P/E of 11.03 indicates optimism for future earnings growth, yet the Altman Z-score of 0.29 raises red flags about financial distress. With an Earnings Yield of 5.55%, the stock offers a moderate return relative to its price, but this is overshadowed by structural risks. The market’s current pricing suggests a disconnect between perceived growth potential and underlying financial health.

AI Exposure / Tech Reliance

As a regional bank, OBK is positioned in an industry that is gradually integrating AI for enhanced customer service and operational efficiency. However, the traditional nature of banking may slow its adaptation to rapid tech shifts compared to fintech disruptors. Its resilience will depend on strategic investments in technology to maintain competitiveness.

The Bull Case

For the value or GARP investor, OBK offers compelling reasons to buy. The Piotroski F-Score of 7 indicates strong financial health, while a robust FCF Yield of 11.33% suggests efficient cash generation. Despite a modest ROIC of 1.04%, the company's operating margin of 17.66% highlights effective cost management. These metrics suggest a company with solid pricing power and capital efficiency, making it an attractive investment.

The Bear Case

Despite some strengths, OBK faces significant structural risks. The Altman Z-score signals potential financial distress, and the stock's proximity to its 52-week high suggests technical overextension. High valuation multiples, such as a Price/Book of 1.15 and Price/Sales of 2.42, further imply that the stock may be overvalued. Investors should be cautious of these risks overshadowing the company's growth prospects.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$57.00

Institutional Ownership %

1-Year Beta

0.74

Insider Buying % (6 Mo)

Distance to 52-Week High

7.22%

Distance to 52-Week Low

38.02%

EARNINGS SURPRISE %

9.44%

50-DAY SMA

$53.41

200-DAY SMA

$47.44

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.