Origin Bancorp (OBK) AI Stock Analysis

• Market Cap: $1.18B
• Dividend Yield: 1.6%
• Average Volume (3M): 166.66K
• Price to Earnings (P/E): 15.6
• Beta (1Y): 1.08
• Revenue Growth: 0.76%
• EPS Growth: -7.88%
• Country: US
• Employees: 1,031
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.71
• Shares Outstanding: 31,159,765
• 10 Day Avg. Volume: 191,068
• 30 Day Avg. Volume: 166,656
• PEG Ratio: -34.44
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 11.12
• Enterprise Value/Market Cap: 0.57
• Enterprise Value/Revenue: 0.28
• Enterprise Value/Gross Profit: 1.94
• Enterprise Value/Ebitda: 1.47
• 1Y Price Target: $40.33
• Price Target Upside: 6.27% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 74 Outperform
• Price Target: $42.00 ▲(10.67%Upside)

Origin Bancorp's overall stock score reflects strong financial performance and positive earnings call highlights. However, technical indicators suggest potential overbought conditions, and valuation metrics indicate moderate attractiveness. Economic uncertainty and increased non-performing loans present additional risks.

Origin Bancorp Business Overview & Revenue Model

Company Description

Origin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, residential mortgage, and paycheck protection program loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit box, U.S. savings bonds, and automatic account transfer services; and treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. The company was founded in 1912 and is headquartered in Ruston, Louisiana.

How the Company Makes Money

Origin Bancorp makes money primarily through the interest income generated from its lending activities, which include personal loans, commercial loans, and real estate loans. The bank earns interest on the funds it lends to customers while paying interest on deposits, with the difference constituting the net interest income, a major revenue stream. Additionally, Origin Bancorp generates non-interest income through fees and service charges associated with deposit accounts, transaction processing, and wealth management services. Mortgage banking activities, including the origination and sale of mortgage loans, also contribute to the company's revenue. Strategic partnerships with financial service providers and investment in digital banking solutions further enhance its ability to attract and retain customers, boosting its overall earnings.

Origin Bancorp Financial Statement Overview

Summary

Origin Bancorp's financial health presents a stable yet mixed outlook. The income statement highlights strong revenue gains in 2024 but faces profitability challenges. The balance sheet demonstrates improved leverage and financial stability, though high liabilities are a concern. Cash flow remains a strong point, with effective cash generation and management. The company should focus on maintaining revenue growth while improving profitability and addressing liability challenges to ensure sustained financial health.

Income Statement

Origin Bancorp shows a mixed performance in its income statement. The Gross Profit Margin remains robust at 100%, which is typical for banking due to the nature of revenue recognition. However, the Net Profit Margin has seen fluctuations, with a decrease from 2022 to 2024, indicating profitability challenges. Revenue growth has been inconsistent, with a significant increase in 2024 but slight declines in prior years. The EBIT Margin has improved significantly in 2024, signaling better operational efficiency despite previous volatility.

Balance Sheet

The company's balance sheet reflects a stable equity base with a positive Equity Ratio, enhancing financial stability. The Debt-to-Equity Ratio has improved over time, showing reduced financial leverage. However, the total liabilities remain high relative to assets, which poses a risk of financial strain. The Return on Equity has been declining, which might concern investors regarding the company's ability to generate returns on shareholder investments.

Cash Flow

The cash flow statement indicates strong performance with consistent positive Operating Cash Flow, showcasing the company's ability to generate cash from operations effectively. The Free Cash Flow has seen significant improvement in 2024, reflecting better cash management and operational efficiency. However, Free Cash Flow to Net Income Ratio shows variability, suggesting inconsistencies in cash conversion against net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	611.59M	616.80M	576.69M	377.78M	290.46M	286.96M
Gross Profit	350.18M	345.13M	336.10M	301.76M	275.82M	189.89M
EBITDA	114.92M	114.06M	123.55M	119.75M	139.26M	51.23M
Net Income	76.27M	76.49M	83.80M	87.72M	108.55M	36.36M
Balance Sheet
Total Assets	9.75B	9.68B	9.72B	9.69B	7.86B	7.63B
Cash, Cash Equivalents and Short-Term Investments	1.31B	1.57B	1.53B	2.00B	2.21B	1.38B
Total Debt	102.09M	172.40M	277.88M	841.00M	467.22M	1.14B
Total Liabilities	8.57B	8.53B	8.66B	8.74B	7.13B	6.98B
Stockholders Equity	1.18B	1.15B	1.06B	949.94M	730.21M	647.15M
Cash Flow
Free Cash Flow	95.52M	86.43M	103.09M	137.18M	166.47M	-6.31M
Operating Cash Flow	116.91M	108.48M	129.92M	145.65M	171.49M	887.00K
Investing Cash Flow	335.59M	231.94M	-130.03M	-455.99M	12.85M	-2.12B
Financing Cash Flow	-257.81M	-150.61M	-78.42M	-36.31M	144.07M	2.20B

Origin Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OBK, the sentiment is Positive. The current price of 37.95 is above the 20-day moving average (MA) of 35.35, above the 50-day MA of 34.01, and above the 200-day MA of 34.16, indicating a bullish trend. The MACD of 0.87 indicates Negative momentum. The RSI at 72.73 is Negative, neither overbought nor oversold. The STOCH value of 91.74 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OBK.

Origin Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBC	78 Outperform	$1.22B	9.70	17.21%	3.28%	0.94%	-8.61%
BFC	76 Outperform	$1.23B	18.19	10.82%	1.45%	18.79%	-11.25%
PEBO	74 Outperform	$1.14B	10.15	10.12%	5.11%	7.34%	-4.94%
OBK	74 Outperform	$1.18B	15.56	6.75%	1.60%	0.76%	-7.88%
FSUN	73 Outperform	$1.05B	12.23	8.55%	―	8.74%	-11.36%
OCFC	71 Outperform	$1.10B	12.29	5.51%	4.26%	1.38%	-10.46%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%

Origin Bancorp Corporate Events

Origin Bancorp to Announce Q1 2025 Financial Results

On April 10, 2025, Origin Bancorp, Inc. announced it will release its first quarter 2025 financial results after market close on April 23, 2025, followed by an investor conference call on April 24, 2025. The call, hosted by key executives, will discuss the company’s financial performance and operations, potentially impacting stakeholders’ insights into the company’s market positioning and future strategies.