Origin Bancorp (OBK) AI Stock Analysis

• Market Cap: $1.17B
• Dividend Yield: 1.59%
• Average Volume (3M): 143.91K
• Price to Earnings (P/E): 15.4
• Beta (1Y): 1.07
• Revenue Growth: -4.22%
• EPS Growth: -14.67%
• Country: US
• Employees: 1,031
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.47
• Shares Outstanding: 31,159,765
• 10 Day Avg. Volume: 113,434
• 30 Day Avg. Volume: 143,905
• 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: 0.58
• Enterprise Value/Revenue: 0.28
• Enterprise Value/Gross Profit: 1.94
• Enterprise Value/Ebitda: 1.47
• 1Y Price Target: $41.50
• Price Target Upside: 10.76% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 74 Outperform
• Price Target: $42.00 ▲(12.09%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. (OBK) is a financial holding company that operates through its wholly-owned subsidiary, Origin Bank. Founded in 1912 and headquartered in Ruston, Louisiana, the company offers a wide range of banking and financial services primarily in the states of Louisiana, Texas, and Mississippi. Origin Bank provides various personal and commercial banking products, including deposit accounts, lending solutions, mortgage banking services, and wealth management offerings. Its primary sectors include retail banking, commercial banking, and mortgage lending, serving a diverse clientele ranging from individuals to businesses of all sizes.

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: 37.47
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 37.47 is above the 20-day moving average (MA) of 37.36, above the 50-day MA of 35.53, and above the 200-day MA of 34.58, indicating a bullish trend. The MACD of 0.69 indicates Positive momentum. The RSI at 56.76 is Neutral, neither overbought nor oversold. The STOCH value of 64.80 is Neutral, 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
BFC	81 Outperform	$1.26B	19.13	11.24%	4.10%	17.31%	-12.46%
PFBC	79 Outperform	$1.26B	10.23	17.20%	3.13%	-2.96%	-7.14%
PEBO	76 Outperform	$1.07B	10.28	9.25%	5.54%	2.32%	-16.87%
OBK	74 Outperform	$1.17B	15.44	6.08%	1.59%	-4.22%	-14.67%
FSUN	73 Outperform	$1.08B	12.61	8.55%	―	8.74%	-11.36%
OCFC	72 Outperform	$1.06B	11.93	5.51%	4.39%	1.38%	-10.46%
Sector *	64 Neutral	$6.69B	10.23	7.22%	190.13%	24.15%	5.15%

Origin Bancorp Corporate Events

Origin Bancorp Announces Quarterly Dividend Amid Earnings Drop

On July 23, 2025, Origin Bancorp announced a quarterly cash dividend of $0.15 per share, payable on August 29, 2025. The company reported a decrease in net income for the second quarter of 2025, with earnings of $14.6 million compared to $22.4 million in the previous quarter. Despite this, the company has been executing its ‘Optimize Origin’ initiative, which aims to improve financial performance through various strategies, including branch consolidation and balance sheet optimization. Origin Bancorp also reported an increase in net interest income and expanded its net interest margin, reflecting strategic financial adjustments.

The most recent analyst rating on (OBK) stock is a Buy with a $40.00 price target. To see the full list of analyst forecasts on Origin Bancorp stock, see the OBK Stock Forecast page.

Origin Bancorp to Release Q2 2025 Financial Results

Origin Bancorp, Inc. announced that it will release its second quarter 2025 financial results after market close on July 23, 2025, and will host an investor conference call on July 24, 2025, to discuss these results. The call will be led by key executives including Drake Mills, William J. Wallace, IV, and Lance Hall. This announcement is significant as it provides stakeholders with insights into the company’s financial performance and strategic direction.

The most recent analyst rating on (OBK) stock is a Buy with a $41.00 price target. To see the full list of analyst forecasts on Origin Bancorp stock, see the OBK Stock Forecast page.