(OBK) Origin Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 1.471m USD | Total Return: 45.4% in 12m
Avg Turnover: 7.69M
EPS Trend: 73.3%
Qual. Beats: 0
Rev. Trend: 55.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
Origin Bancorp, Inc. (OBK) is a regional bank holding company headquartered in Louisiana, providing comprehensive financial services across Texas, Louisiana, and Mississippi. The firm focuses on small to medium-sized businesses (SMBs), municipalities, and retail clients through a diversified portfolio of commercial real estate, industrial, and residential mortgage loans.
The company operates within the regional banking sector, where revenue is primarily driven by the net interest margin-the spread between interest earned on loans and interest paid on deposits. In addition to traditional lending, OBK utilizes a fee-based model by offering ancillary services such as property and casualty insurance, treasury management, and mortgage servicing.
Investors can evaluate the firms specific risk profile and capital ratios by reviewing the detailed financial metrics on ValueRay. The company’s geographic concentration in the Gulf South makes its performance sensitive to regional economic trends and energy sector fluctuations.
- Commercial real estate concentration in Texas markets dictates asset quality and valuation
- Net interest margin fluctuates based on Federal Reserve interest rate policy shifts
- Mortgage warehouse lending volume drives noninterest income and overall loan growth
- Expansion into high-growth Dallas and Houston markets influences long-term revenue potential
- Credit loss provisions for small business loans impact quarterly earnings per share
| Net Income: 80.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.09 > 1.0 |
| NWC/Revenue: -311.0% < 20% (prev -1.15k%; Δ 841.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 176.2m > Net Income 80.5m |
| Net Debt (-92.7m) to EBITDA (120.9m): -0.77 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (31.2m) vs 12m ago -0.66% < -2% |
| Gross Margin: 59.56% > 18% (prev 0.57%; Δ 5.90k% > 0.5%) |
| Asset Turnover: 5.99% > 50% (prev 6.27%; Δ -0.27% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBITDA TTM 120.9m / Interest Expense TTM 196.9m) |
| A: -0.18 (Total Current Assets 121.8m - Total Current Liabilities 1.98b) / Total Assets 10.2b |
| B: 0.06 (Retained Earnings 633.9m / Total Assets 10.2b) |
| C: 0.01 (EBIT TTM 105.5m / Avg Total Assets 9.97b) |
| D: 0.08 (Book Value of Equity 727.5m / Total Liabilities 8.93b) |
| Altman-Z'' = -0.84 = CCC |
As of May 24, 2026, the stock is trading at USD 47.59 with a total of 102,325 shares traded.
Over the past week, the price has changed by +4.07%,
over one month by +6.22%,
over three months by +12.93% and
over the past year by +45.39%.
Origin Bancorp has received a consensus analysts rating of 4.20. Therefore, it is recommended to buy OBK.
- StrongBuy: 2
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 52 | 9.3% |
P/S = 4.1788
P/B = 1.1226
Revenue TTM = 597.5m USD
EBIT TTM = 105.5m USD
EBITDA TTM = 120.9m USD
Long Term Debt = 29.2m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 29.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -92.7m USD (calculated: Debt 29.2m - CCE 121.8m)
Enterprise Value = 1.38b USD (1.47b + Debt 29.2m - CCE 121.8m)
Interest Coverage Ratio = 0.54 (Ebit TTM 105.5m / Interest Expense TTM 196.9m)
EV/FCF = 14.88x (Enterprise Value 1.38b / FCF TTM 92.6m)
FCF Yield = 6.72% (FCF TTM 92.6m / Enterprise Value 1.38b)
FCF Margin = 15.50% (FCF TTM 92.6m / Revenue TTM 597.5m)
Net Margin = 13.47% (Net Income TTM 80.5m / Revenue TTM 597.5m)
Gross Margin = 59.56% ((Revenue TTM 597.5m - Cost of Revenue TTM 241.6m) / Revenue TTM)
Gross Margin QoQ = 66.90% (prev 68.32%)
Tobins Q-Ratio = 0.14 (Enterprise Value 1.38b / Total Assets 10.2b)
Interest Expense / Debt = 675.0% (Interest Expense 196.9m / Debt 29.2m)
Taxrate = 21.50% (7.58m / 35.3m)
NOPAT = 82.8m (EBIT 105.5m * (1 - 21.50%))
Current Ratio = 0.01 (Total Current Assets 121.8m / Total Current Liabilities 10.4b)
Debt / Equity = 0.02 (Debt 29.2m / totalStockholderEquity, last quarter 1.26b)
Debt / EBITDA = -0.77 (Net Debt -92.7m / EBITDA 120.9m)
Debt / FCF = -1.00 (Net Debt -92.7m / FCF TTM 92.6m)
Total Stockholder Equity = 1.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.81% (Net Income 80.5m / Total Assets 10.2b)
RoE = 6.53% (Net Income TTM 80.5m / Total Stockholder Equity 1.23b)
RoCE = 8.37% (EBIT 105.5m / Capital Employed (Equity 1.23b + L.T.Debt 29.2m))
RoIC = 1.01% (NOPAT 82.8m / Invested Capital 8.18b)
WACC = 8.76% (E(1.47b)/V(1.50b) * Re(8.93%) + (debt cost/tax rate unavailable))
Discount Rate = 8.93% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 37.78 | Cagr: 0.30%
[DCF] Terminal Value 76.66% ; FCFF base≈87.5m ; Y1≈100.3m ; Y5≈147.5m
[DCF] Fair Price = 70.06 (EV 2.07b - Net Debt -92.7m = Equity 2.17b / Shares 30.9m; r=8.76% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 73.30 | EPS CAGR: 7.69% | SUE: 0.0 | # QB: 0
Revenue Correlation: 55.76 | Revenue CAGR: 3.47% | SUE: 0.55 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.00 | Chg30d=+6.60% | Revisions=+50% | Analysts=5
EPS next Quarter (2026-09-30): EPS=1.03 | Chg30d=+4.02% | Revisions=+50% | Analysts=5
EPS current Year (2026-12-31): EPS=3.95 | Chg30d=+3.12% | Revisions=+56% | GrowthEPS=+13.6% | GrowthRev=+11.0%
EPS next Year (2027-12-31): EPS=4.25 | Chg30d=+1.92% | Revisions=+50% | GrowthEPS=+7.7% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: +56%