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Company Analysis

Origin Bancorp, Inc. OBK

A comprehensive view of key metrics, scores, and financial health for Origin Bancorp, Inc.

Overview of Origin Bancorp, Inc.

OBK NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Origin Bancorp, Inc. (OBK), is a Small Cap company, in the Banks - Regional industry, last closed at $51.22, about 16.9% overvalued vs fair value, +47.2% 1Y return, ranked 336/1078 in sector.
Metrics P/E 15.7× Rev Growth 10.5% ROE 6.3% Gross Margin 89.6% Div Yield 1.62%
USD 51.22
-1.06%
(Delayed)
• Vol 90d: 17.9%
52-Week Range
Market Cap
$1.58B
Enterprise Value
$1.18B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 94%
Confidence: 93%
Updated: Oct 24
Top Beats
No strong beats yet

Quick Facts

Website https://www.origin.bank
HQ Ruston, LA
Employees 988
Fiscal year Dec 31

Next Events

Earnings Oct 28 Call: Oct 29

Fair Value Snapshot

Bear Base Bull
$24
$43
$80
Current: $51.22 -17% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$538.0M
-4.7%%
Interest Expense
$207.0M
Net Interest Income
$331.0M
10.2%%
Total Revenue
$389.0M
10.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.0%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$34.7M
46.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Origin Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
40
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.95), exceeding regulatory minimums.
  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.61).

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.26).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.29).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
28
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing OBK's balance between Growth (24.2%), Profitability (26.2%), and Safety (49.6%). Growth 24% Safety 50% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

35th percentile vs peers
35
Key Signals
NII Growth YoY 10.2% 50p Equity Growth YoY 8.9% 48p Asset Growth YoY 0.5% 19p EPS Growth YoY -2.1% 22p
Strengths
  • Debt/Assets in top 20% of peers (0.2%, 96th percentile)
  • D/E Ratio in top 20% of peers (1.8%, 95th percentile)
  • Dividends/Tangible Equity in top 20% of peers (1.8%, 81th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (0.5%)
  • Growth below peer median (percentile: 35)

Profitability

38th percentile vs peers
38
Key Signals
Strengths
Risks
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Safety

72th percentile vs peers
73
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Origin Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$42.56
- - -
-16.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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