ORIGIN BANCORP INC (OBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OBK - US68621T1025 - Common Stock
38.38 USD
-0.05 (-0.13%)
38.38 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to OBK. OBK was compared to 388 industry peers in the Banks industry. OBK has a bad profitability rating. Also its financial health evaluation is rather negative. OBK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
OBK had positive earnings in the past year.
In the past year OBK had a positive cash flow from operations.
In the past 5 years OBK has always been profitable.
OBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.61%, OBK is not doing good in the industry: 71.65% of the companies in the same industry are doing better.
With a Return On Equity value of 4.91%, OBK is not doing good in the industry: 77.32% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 4.91% | ||
| ROIC | N/A |
ROA(3y)0.85%
ROA(5y)0.88%
ROE(3y)7.93%
ROE(5y)8.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of OBK (16.33%) is worse than 73.71% of its industry peers.
OBK's Profit Margin has declined in the last couple of years.
OBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.33% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.97%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OBK has been increased compared to 1 year ago.
Compared to 5 years ago, OBK has more shares outstanding
Compared to 1 year ago, OBK has an improved debt to assets ratio.
2.2 Solvency
OBK has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.71, OBK is doing good in the industry, outperforming 74.74% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that OBK is not too dependend on debt financing.
OBK has a better Debt to Equity ratio (0.08) than 72.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for OBK have decreased strongly by -11.93% in the last year.
Measured over the past 5 years, OBK shows a small growth in Earnings Per Share. The EPS has been growing by 1.44% on average per year.
OBK shows a small growth in Revenue. In the last year, the Revenue has grown by 1.61%.
Measured over the past years, OBK shows a quite strong growth in Revenue. The Revenue has been growing by 10.07% on average per year.
EPS 1Y (TTM)-11.93%
EPS 3Y-18.77%
EPS 5Y1.44%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)1.61%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%20.97%
3.2 Future
The Earnings Per Share is expected to grow by 17.07% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.44% on average over the next years.
EPS Next Y0.87%
EPS Next 2Y22.48%
EPS Next 3Y17.07%
EPS Next 5YN/A
Revenue Next Year8.6%
Revenue Next 2Y7.32%
Revenue Next 3Y6.44%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
OBK is valuated rather expensively with a Price/Earnings ratio of 17.93.
77.32% of the companies in the same industry are cheaper than OBK, based on the Price/Earnings ratio.
OBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.40, the valuation of OBK can be described as very reasonable.
OBK's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.46. OBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.93 | ||
| Fwd PE | 10.4 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OBK indicates a somewhat cheap valuation: OBK is cheaper than 74.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OBK does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as OBK's earnings are expected to grow with 17.07% in the coming years.
PEG (NY)20.7
PEG (5Y)12.43
EPS Next 2Y22.48%
EPS Next 3Y17.07%
5. Dividend
5.1 Amount
OBK has a Yearly Dividend Yield of 1.56%. Purely for dividend investing, there may be better candidates out there.
OBK's Dividend Yield is slightly below the industry average, which is at 2.74.
OBK's Dividend Yield is slightly below the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
5.2 History
The dividend of OBK is nicely growing with an annual growth rate of 19.25%!
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)19.25%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
OBK pays out 32.13% of its income as dividend. This is a sustainable payout ratio.
OBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP32.13%
EPS Next 2Y22.48%
EPS Next 3Y17.07%
38.38
-0.05 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.21%
Inst Owner ChangeN/A
Ins Owners6.06%
Ins Owner Change2.51%
Market Cap1.19B
Revenue(TTM)365.42M
Net Income(TTM)59.68M
Analysts82.22
Price Target43.45 (13.21%)
Short Float %1.19%
Short Ratio2.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
Yearly Dividend0.6
Dividend Growth(5Y)19.25%
DP32.13%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-40.62%
Min EPS beat(2)-41.21%
Max EPS beat(2)-40.03%
EPS beat(4)1
Avg EPS beat(4)-22.78%
Min EPS beat(4)-41.21%
Max EPS beat(4)2.18%
EPS beat(8)3
Avg EPS beat(8)-12.89%
EPS beat(12)5
Avg EPS beat(12)-8.05%
EPS beat(16)8
Avg EPS beat(16)-4.01%
Revenue beat(2)1
Avg Revenue beat(2)-4.22%
Min Revenue beat(2)-15.24%
Max Revenue beat(2)6.81%
Revenue beat(4)1
Avg Revenue beat(4)-5.23%
Min Revenue beat(4)-15.24%
Max Revenue beat(4)6.81%
Revenue beat(8)3
Avg Revenue beat(8)-3.65%
Revenue beat(12)3
Avg Revenue beat(12)-4.32%
Revenue beat(16)6
Avg Revenue beat(16)-2.77%
PT rev (1m)-1.39%
PT rev (3m)-3.18%
EPS NQ rev (1m)3.9%
EPS NQ rev (3m)-2.14%
EPS NY rev (1m)-12.07%
EPS NY rev (3m)-17.9%
Revenue NQ rev (1m)0.31%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.93 | ||
| Fwd PE | 10.4 | ||
| P/S | 3.25 | ||
| P/FCF | 8.79 | ||
| P/OCF | 8.23 | ||
| P/B | 0.98 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY5.58%
EPS(NY)3.69
Fwd EY9.61%
FCF(TTM)4.37
FCFY11.37%
OCF(TTM)4.67
OCFY12.16%
SpS11.8
BVpS39.22
TBVpS33.94
PEG (NY)20.7
PEG (5Y)12.43
Graham Number43.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 4.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.33% | ||
| GM | N/A | ||
| FCFM | 37% |
ROA(3y)0.85%
ROA(5y)0.88%
ROE(3y)7.93%
ROE(5y)8.86%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.97%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.42% | ||
| Cap/Sales | 2.55% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 226.51% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC22.33%
ROIC/WACCN/A
Cap/Depr(3y)117.51%
Cap/Depr(5y)106.08%
Cap/Sales(3y)5.42%
Cap/Sales(5y)4.17%
Profit Quality(3y)130.78%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-11.93%
EPS 3Y-18.77%
EPS 5Y1.44%
EPS Q2Q%-16.67%
EPS Next Y0.87%
EPS Next 2Y22.48%
EPS Next 3Y17.07%
EPS Next 5YN/A
Revenue 1Y (TTM)1.61%
Revenue growth 3Y8.5%
Revenue growth 5Y10.07%
Sales Q2Q%20.97%
Revenue Next Year8.6%
Revenue Next 2Y7.32%
Revenue Next 3Y6.44%
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 1Y2.49%
FCF growth 3Y-19.63%
FCF growth 5Y11.39%
OCF growth 1Y-5.13%
OCF growth 3Y-14.16%
OCF growth 5Y11.98%
ORIGIN BANCORP INC / OBK FAQ
What is the fundamental rating for OBK stock?
ChartMill assigns a fundamental rating of 3 / 10 to OBK.
Can you provide the valuation status for ORIGIN BANCORP INC?
ChartMill assigns a valuation rating of 4 / 10 to ORIGIN BANCORP INC (OBK). This can be considered as Fairly Valued.
What is the profitability of OBK stock?
ORIGIN BANCORP INC (OBK) has a profitability rating of 2 / 10.
What are the PE and PB ratios of ORIGIN BANCORP INC (OBK) stock?
The Price/Earnings (PE) ratio for ORIGIN BANCORP INC (OBK) is 17.93 and the Price/Book (PB) ratio is 0.98.
What is the earnings growth outlook for ORIGIN BANCORP INC?
The Earnings per Share (EPS) of ORIGIN BANCORP INC (OBK) is expected to grow by 0.87% in the next year.