OBK Stock Analysis: Origin Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.629m USD | 12M Return: 54.6% | US68621T1025 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.27M
EPS Trend: 84.7%
Qual. Beats: 1
Rev. Trend: 39.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 8.4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Origin Bancorp, Inc. (OBK) is the holding company for Origin Bank, a community-focused regional bank that provides banking and financial services to small and medium-sized businesses, municipalities, and retail customers across Texas, Louisiana, Alabama, and Mississippi. Its deposit offerings include noninterest and interest-bearing checking accounts, savings, money market, and time deposit accounts, while its lending portfolio spans commercial real estate, construction and land development, commercial and industrial, consumer, residential real estate, mortgage warehouse, and residential mortgage loans.
Beyond core banking, the company distributes personal and commercial property and casualty insurance, and delivers digital and treasury services such as internet and mobile banking, voice response, cash management, business credit cards, peer-to-peer electronic payments, and personal financial management tools. Origin Bancorp was founded in 1991 and is headquartered in Ruston, Louisiana.
As a regional bank in the community banking segment, Origin earns the majority of its revenue from net interest income generated through its loan and deposit franchise, with noninterest income supplemented by insurance commissions and treasury management fees. Its concentration in Texas, Louisiana, Alabama, and Mississippi ties its performance to the economic conditions of the Gulf South, where energy, agriculture, and small business activity are notable drivers of loan demand.
- Net interest margin expands on asset-sensitive loan repricing
- Commercial real estate and construction loan portfolio grows double digits
- Energy sector exposure in Louisiana and Texas pressures credit quality
| Net Income: 99.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.58 > 1.0 |
| NWC/Revenue: -1.43k% < 20% (prev -1.22k%; Δ -206.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 195.6m > Net Income 99.7m |
| Net Debt (11.9m) to EBITDA (145.1m): 0.08 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (31.2m) vs 12m ago -0.54% < -2% |
| Gross Margin: 62.41% > 18% (prev 58.46%; Δ 3.95% > 0.5%) |
| Asset Turnover: 6.13% > 50% (prev 6.05%; Δ 0.08% > 0%) |
| Interest Coverage Ratio: 0.69 > 6 (EBIT TTM 130.0m / Interest Expense TTM 188.0m) |
| A: -0.85 (Total Current Assets 125.0m - Total Current Liabilities 8.84b) / Total Assets 10.3b |
| B: 0.06 (Retained Earnings 656.7m / Total Assets 10.3b) |
| C: 0.01 (EBIT TTM 130.0m / Avg Total Assets 9.98b) |
| D: 0.14 (Book Value of Equity 1.28b / Total Liabilities 9.00b) |
| Altman-Z'' = -5.12 = D |
As of September 27, 2026, the stock is trading at USD 53.64 with a total of 139,899 shares traded. Over the past week, the price has changed by -0.17%, over one month by +1.40%, over three months by +5.23% and over the past year by +54.63%.
Current recommended Stop Loss: 52.20 (which is 2.7% or 1.5 ATR below the current price).
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 | 58.8 | 9.6% |
P/E Trailing = 16.6593
P/S = 4.3181
P/B = 1.2804
Revenue TTM = 611.3m USD
EBIT TTM = 130.0m USD
EBITDA TTM = 145.1m USD
Long Term Debt = 21.9m USD (from longTermDebt, last quarter)
Short Term Debt = 136.9m USD (from shortTermDebt, last quarter)
Debt = 136.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 11.9m USD (calculated: Debt 136.9m - CCE 125.0m)
Enterprise Value = 1.64b USD (1.63b + Debt 136.9m - CCE 125.0m)
Interest Coverage Ratio = 0.69 (Ebit TTM 130.0m / Interest Expense TTM 188.0m)
EV/FCF = 9.36x (Enterprise Value 1.64b / FCF TTM 175.4m)
FCF Yield = 10.69% (FCF TTM 175.4m / Enterprise Value 1.64b)
FCF Margin = 28.69% (FCF TTM 175.4m / Revenue TTM 611.3m)
Net Margin = 16.31% (Net Income TTM 99.7m / Revenue TTM 611.3m)
Gross Margin = 62.41% ((Revenue TTM 611.3m - Cost of Revenue TTM 229.8m) / Revenue TTM)
Gross Margin QoQ = 71.16% (prev 66.90%)
Tobins Q-Ratio = 0.16 (Enterprise Value 1.64b / Total Assets 10.3b)
Interest Expense / Debt = 137.3% (Interest Expense 188.0m / Debt 136.9m)
Taxrate = 21.41% (27.1m / 126.8m)
NOPAT = 102.2m (EBIT 130.0m * (1 - 21.41%))
Current Ratio = 0.01 (Total Current Assets 125.0m / Total Current Liabilities 8.84b)
Debt / Equity = 0.11 (Debt 136.9m / totalStockholderEquity, last quarter 1.28b)
Debt / EBITDA = 0.08 (Net Debt 11.9m / EBITDA 145.1m)
Debt / FCF = 0.07 (Net Debt 11.9m / FCF TTM 175.4m)
Total Stockholder Equity = 1.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 99.7m / Total Assets 10.3b)
RoE = 7.97% (Net Income TTM 99.7m / Total Stockholder Equity 1.25b)
RoCE = 10.21% (EBIT 130.0m / Capital Employed (Equity 1.25b + L.T.Debt 21.9m))
RoIC = 6.62% (NOPAT 102.2m / Invested Capital 1.54b)
WACC = 7.39% (E(1.63b)/V(1.77b) * Re(8.01%) + (debt cost/tax rate unavailable))
Discount Rate = 8.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 6.64 | Cagr: 0.11%
[DCF] Terminal Value 77.97% ; FCFF base≈148.7m ; Y1≈170.4m ; Y5≈250.8m
[DCF] Fair Price = 122.0 (EV 3.77b - Net Debt 11.9m = Equity 3.76b / Shares 30.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 84.72 | EPS CAGR: 11.08% | SUE: 0.94 | # QB: 1
Revenue Correlation: 39.02 | Revenue CAGR: 1.37% | SUE: 0.53 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.06 | Chg30d=+0.00% | Revisions=+29% | Analysts=5
EPS current Year (2026-12-31): EPS=4.09 | Chg30d=-0.05% | Revisions=+17% | GrowthEPS=+17.6% | GrowthRev=+11.6%
EPS next Year (2027-12-31): EPS=4.37 | Chg30d=+0.18% | Revisions=+57% | GrowthEPS=+7.0% | GrowthRev=+6.7%
[Analyst] Revisions Ratio: +50% (up=9, down=2)