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ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis

NYSE:OBK - New York Stock Exchange, Inc. - US68621T1025 - Common Stock

35.47  -0.22 (-0.62%)

Fundamental Rating

3

Taking everything into account, OBK scores 3 out of 10 in our fundamental rating. OBK was compared to 405 industry peers in the Banks industry. OBK may be in some trouble as it scores bad on both profitability and health. OBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year OBK was profitable.
OBK had a positive operating cash flow in the past year.
OBK had positive earnings in each of the past 5 years.
In the past 5 years OBK always reported a positive cash flow from operatings.
OBK Yearly Net Income VS EBIT VS OCF VS FCFOBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.76%, OBK is in line with its industry, outperforming 47.24% of the companies in the same industry.
OBK has a worse Return On Equity (6.60%) than 62.31% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 6.6%
ROIC N/A
ROA(3y)1.05%
ROA(5y)0.93%
ROE(3y)10.66%
ROE(5y)9.32%
ROIC(3y)N/A
ROIC(5y)N/A
OBK Yearly ROA, ROE, ROICOBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

OBK has a Profit Margin (21.03%) which is in line with its industry peers.
In the last couple of years the Profit Margin of OBK has remained more or less at the same level.
OBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y18.12%
PM growth 5Y-1.31%
GM growth 3YN/A
GM growth 5YN/A
OBK Yearly Profit, Operating, Gross MarginsOBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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3

2. Health

2.1 Basic Checks

OBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
OBK has more shares outstanding than it did 1 year ago.
The number of shares outstanding for OBK has been increased compared to 5 years ago.
The debt/assets ratio for OBK has been reduced compared to a year ago.
OBK Yearly Shares OutstandingOBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
OBK Yearly Total Debt VS Total AssetsOBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of OBK is 2.00, which is an excellent value as it means it would take OBK, only 2.00 years of fcf income to pay off all of its debts.
OBK has a Debt to FCF ratio of 2.00. This is in the better half of the industry: OBK outperforms 60.30% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that OBK is not too dependend on debt financing.
The Debt to Equity ratio of OBK (0.14) is better than 65.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2
Altman-Z N/A
ROIC/WACCN/A
WACC16.55%
OBK Yearly LT Debt VS Equity VS FCFOBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OBK Yearly Current Assets VS Current LiabilitesOBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

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3

3. Growth

3.1 Past

OBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.77%.
Measured over the past 5 years, OBK shows a small growth in Earnings Per Share. The EPS has been growing by 4.25% on average per year.
OBK shows a decrease in Revenue. In the last year, the revenue decreased by -4.07%.
The Revenue has been growing by 12.95% on average over the past years. This is quite good.
EPS 1Y (TTM)-24.77%
EPS 3Y20.47%
EPS 5Y4.25%
EPS Q2Q%-24.05%
Revenue 1Y (TTM)-4.07%
Revenue growth 3Y11.79%
Revenue growth 5Y12.95%
Sales Q2Q%13.78%

3.2 Future

The Earnings Per Share is expected to grow by 2.42% on average over the next years.
Based on estimates for the next years, OBK will show a small growth in Revenue. The Revenue will grow by 3.63% on average per year.
EPS Next Y-6.73%
EPS Next 2Y-3.36%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue Next Year-0.68%
Revenue Next 2Y1.2%
Revenue Next 3Y3.63%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
OBK Yearly Revenue VS EstimatesOBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
OBK Yearly EPS VS EstimatesOBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

OBK is valuated correctly with a Price/Earnings ratio of 14.60.
60.05% of the companies in the same industry are cheaper than OBK, based on the Price/Earnings ratio.
OBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.29.
A Price/Forward Earnings ratio of 14.01 indicates a correct valuation of OBK.
65.08% of the companies in the same industry are cheaper than OBK, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.44, OBK is valued a bit cheaper.
Industry RankSector Rank
PE 14.6
Fwd PE 14.01
OBK Price Earnings VS Forward Price EarningsOBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

OBK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.47
EV/EBITDA N/A
OBK Per share dataOBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.43
EPS Next 2Y-3.36%
EPS Next 3Y2.42%

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4

5. Dividend

5.1 Amount

OBK has a Yearly Dividend Yield of 1.73%.
OBK's Dividend Yield is slightly below the industry average, which is at 3.22.
Compared to the average S&P500 Dividend Yield of 2.28, OBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.73%

5.2 History

The dividend of OBK is nicely growing with an annual growth rate of 18.45%!
OBK has been paying a dividend for over 5 years, so it has already some track record.
As OBK did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)18.45%
Div Incr Years5
Div Non Decr Years6
OBK Yearly Dividends per shareOBK Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

24.77% of the earnings are spent on dividend by OBK. This is a low number and sustainable payout ratio.
OBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.77%
EPS Next 2Y-3.36%
EPS Next 3Y2.42%
OBK Yearly Income VS Free CF VS DividendOBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M
OBK Dividend Payout.OBK Dividend Payout, showing the Payout Ratio.OBK Dividend Payout.PayoutRetained Earnings

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ORIGIN BANCORP INC

NYSE:OBK (1/22/2025, 10:21:29 AM)

35.47

-0.22 (-0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2024-10-23/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners57.29%
Inst Owner ChangeN/A
Ins Owners5.84%
Ins Owner Change0.72%
Market Cap1.11B
Analysts80
Price Target39.17 (10.43%)
Short Float %0.83%
Short Ratio1.99
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
Yearly Dividend0.6
Dividend Growth(5Y)18.45%
DP24.77%
Div Incr Years5
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.08%
Min EPS beat(2)-7.18%
Max EPS beat(2)7.34%
EPS beat(4)2
Avg EPS beat(4)-2.99%
Min EPS beat(4)-31.77%
Max EPS beat(4)19.66%
EPS beat(8)4
Avg EPS beat(8)-0.69%
EPS beat(12)7
Avg EPS beat(12)2.24%
EPS beat(16)11
Avg EPS beat(16)5.21%
Revenue beat(2)1
Avg Revenue beat(2)0.44%
Min Revenue beat(2)-3.85%
Max Revenue beat(2)4.74%
Revenue beat(4)2
Avg Revenue beat(4)-2.07%
Min Revenue beat(4)-9.45%
Max Revenue beat(4)4.74%
Revenue beat(8)2
Avg Revenue beat(8)-3.87%
Revenue beat(12)5
Avg Revenue beat(12)-1.95%
Revenue beat(16)7
Avg Revenue beat(16)-1.63%
PT rev (1m)4.92%
PT rev (3m)-1.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-19%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.16%
Valuation
Industry RankSector Rank
PE 14.6
Fwd PE 14.01
P/S 3.07
P/FCF 13.47
P/OCF 10.23
P/B 0.97
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.43
EY6.85%
EPS(NY)2.53
Fwd EY7.14%
FCF(TTM)2.63
FCFY7.43%
OCF(TTM)3.47
OCFY9.77%
SpS11.54
BVpS36.76
TBVpS31.37
PEG (NY)N/A
PEG (5Y)3.43
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 6.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.03%
GM N/A
FCFM 22.83%
ROA(3y)1.05%
ROA(5y)0.93%
ROE(3y)10.66%
ROE(5y)9.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y18.12%
PM growth 5Y-1.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2
Debt/EBITDA N/A
Cap/Depr 156.27%
Cap/Sales 7.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 108.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.55%
ROIC/WACCN/A
Cap/Depr(3y)98.28%
Cap/Depr(5y)113.27%
Cap/Sales(3y)3.95%
Cap/Sales(5y)3.95%
Profit Quality(3y)144.27%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-24.77%
EPS 3Y20.47%
EPS 5Y4.25%
EPS Q2Q%-24.05%
EPS Next Y-6.73%
EPS Next 2Y-3.36%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.07%
Revenue growth 3Y11.79%
Revenue growth 5Y12.95%
Sales Q2Q%13.78%
Revenue Next Year-0.68%
Revenue Next 2Y1.2%
Revenue Next 3Y3.63%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.67%
FCF growth 3YN/A
FCF growth 5Y7.35%
OCF growth 1Y-10.43%
OCF growth 3Y424.58%
OCF growth 5Y10.8%