Origin Bancorp (OBK) AI Stock Analysis

• Market Cap: $1.22B
• Dividend Yield: 1.53%
• Average Volume (3M): 138.41K
• Price to Earnings (P/E): 17.3
• Beta (1Y): 1.08
• Revenue Growth: -4.48%
• EPS Growth: -14.67%
• Country: US
• Employees: 1,031
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 0.47
• Shares Outstanding: 31,224,718
• 10 Day Avg. Volume: 101,837
• 30 Day Avg. Volume: 138,409
• PEG Ratio: -1.42
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 1.68
• P/FCF Ratio: 11.99
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 2.00
• Enterprise Value/Gross Profit: 3.49
• Enterprise Value/Ebitda: 10.64
• 1Y Price Target: $44.00
• Price Target Upside: 12.56% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 74 Outperform
• Price Target: $41.00 ▲(4.89% Upside)

Origin Bancorp's overall stock score reflects solid financial performance and a cautiously optimistic earnings outlook. While technical indicators are mixed, the company's strategic initiatives and stable valuation support a positive view. The main risk is stagnant revenue growth, which requires strategic focus.

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 generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include commercial and consumer loans, mortgage originations, and various banking fees associated with account services, wire transfers, and ATM usage. Additionally, the company earns income from its wealth management services and investment products. Significant partnerships with local businesses and real estate developers further contribute to its earnings by providing tailored financial services that meet the specific needs of its clientele.

Origin Bancorp Financial Statement Overview

Summary

Origin Bancorp's financial health is solid, reflecting strong profitability, stable leverage, and robust cash flow generation. While profitability margins are high, revenue growth appears stagnant, which may need strategic attention. The balance sheet shows conservative debt management, enhancing stability. Cash flow metrics indicate efficient operations but highlight some volatility in financing activities.

Income Statement

Origin Bancorp demonstrates strong profitability with high gross and net profit margins, indicative of effective cost management and revenue generation. The TTM gross profit margin is approximately 57.27%, with a net profit margin of 12.47%. However, the revenue growth is relatively flat, showing a slight decline from the previous year. While EBIT and EBITDA margins are healthy at 15.85% and 18.79% respectively, the stagnation in revenue growth could pose a future risk if not addressed.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.09 in the TTM period, suggesting conservative leverage. The equity ratio is 12.10%, indicating a reasonable buffer against liabilities and a strong equity base. Return on Equity (ROE) is solid at 6.46%, showcasing efficient use of equity capital to generate profits. Overall, the balance sheet suggests prudent financial management and stability.

Cash Flow

Cash flow from operations remains strong, with an operating cash flow to net income ratio of 1.53, indicating robust cash generation relative to net income. Free cash flow has grown modestly, with a growth rate of 10.51% compared to the previous year, highlighting effective capital expenditure management. The free cash flow to net income ratio is 1.25, reflecting good alignment between cash generation and reported earnings. Despite these positives, the significant swings in financing cash flow suggest potential volatility.

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: 39.09
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 39.09 is above the 20-day moving average (MA) of 37.53, above the 50-day MA of 37.17, and above the 200-day MA of 35.20, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 64.65 is Neutral, neither overbought nor oversold. The STOCH value of 80.90 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
BFC	81 Outperform	$1.27B	18.51	11.22%	4.06%	17.15%	-12.46%
PFBC	79 Outperform	$1.28B	9.90	17.20%	3.08%	-2.96%	-6.62%
FSUN	74 Outperform	$1.08B	12.30	8.48%	―	6.59%	-3.66%
OBK	74 Outperform	$1.22B	17.29	6.08%	1.53%	-4.48%	-14.67%
OCFC	72 Outperform	$1.07B	12.89	5.28%	4.28%	-0.91%	-14.86%
PEBO	71 Outperform	$1.11B	10.50	9.25%	5.20%	2.33%	-16.87%
Sector *	68 Neutral	$18.05B	11.73	10.24%	3.73%	9.66%	1.70%

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.