Origin Bancorp, Inc. OBK R2K

Financial Services · Banks - Regional · United States

https://www.origin.bank

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, Alabama, and Mississippi. It provides 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, and residential mortgage loans. The company offers personal and commercial property, and casualty insurance products; and internet banking and voice response information, mobile applications, cash management, business credit cards, overdraft protection, direct deposit, safe deposit boxes, automatic account transfers, peer-to-peer electronic pay solutions, and personal financial management solutions; and mobile and online banking, treasury management, mortgage origination and servicing facilities, commercial and consumer loans, and insurance services. The company was founded in 1991 and is headquartered in Ruston, Louisiana.

Market & Price

Market Cap

$1.47B

Current Price

$47.66

High / Low (52W)

$48.16 / $31.99

Beta

0.73

Valuation

Stock P/E

18.47

Industry PE

12.01

Forward P/E

11.21

PEG Ratio

Book Value

$40.81

Price to Book

1.17

P/S

4.20

EV/EBITDA

Dividend Yield

2.10%

Profitability & Returns

ROCE

ROE

6.59%

ROA

0.81%

Profit Margin

22.97%

Op Margin

38.45%

EPS (Latest Qtr)

$0.89

EPS (TTM)

$2.58

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$40.43M

Total Assets

$9.72B

Current Assets

Working Capital

Ownership

Promoter Holding

4.05%

Chg in Prom Hold

FII / Inst Holding

68.50%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$833.52M

Total Revenue (TTM)

$350.40M

EBITDA

Free Cash Flow

Operating Cash Flow

$176.24M

Shares Outstanding

30.90M

Gross Margin

0.00%

Payout Ratio

23.26%

Growth (CAGR)

Revenue 5Y

6.02%

Profit 5Y

-5.00%

Revenue (YoY)

9.30%

Earnings (YoY)

25.40%

PROS

Excellent profit margin of 23.0%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -5.0% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OBK Origin Bancorp, Inc. R2K	47.66	18.47	$1.47B	2.10%	-	6.59%	6.02%	-5.00%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	95.15M	84.74M	108.30M	100.78M	104.66M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	54.08M	52.50M	52.44M	47.95M	44.05M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28.55M	18.66M	10.98M	37.45M	35.28M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.14M	4.01M	2.36M	7.93M	7.58M
Net Income	7.25M	3.82M	-2.17M	5.77M	13.41M	12.70M	12.32M	13.18M	14.15M	12.28M	14.62M	12.83M	753.00K	4.96M	13.10M	17.55M	25.51M	27.73M	26.98M	20.68M	21.31M	16.24M	24.30M	21.76M	24.31M	22.63M	20.99M	18.60M	-	22.41M	14.65M	8.62M	29.52M	27.69M
Diluted EPS	0.30	0.13	-0.17	0.23	0.60	0.53	0.52	0.55	0.60	0.52	0.62	0.55	0.03	0.21	0.56	0.75	1.08	1.17	1.14	0.87	0.90	0.57	0.79	0.70	0.79	0.73	0.67	0.60	-	0.71	0.47	0.27	0.95	0.89

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	326.45M	352.45M	352.06M	388.99M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	51.33M	223.83M	264.22M	206.97M
Pretax Income	-	-	-	-	-	-	107.44M	105.92M	97.26M	95.64M
Tax Provision	-	-	-	-	-	-	19.73M	22.12M	20.77M	20.44M
Net Income	12.85M	14.67M	51.60M	53.88M	36.36M	-	87.72M	83.80M	76.49M	75.20M
Diluted EPS	0.46	0.50	2.20	2.28	1.55	-	3.28	2.71	2.45	2.40

Compounded Sales Growth

5 Years:	6.02%
1 Year:	9.30%

Compounded Profit Growth

5 Years:	-5.00%
1 Year:	25.40%

Stock Price Performance

1 Year:	+42.23%
6 Months:	+31.99%
3 Months:	+15.19%
1 Month:	+2.15%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Aug 2022	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	4.15B	4.82B	5.32B	7.63B	-	9.84B	9.69B	9.72B	9.68B	9.72B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	276.22M	259.88M	187.19M	116.68M	291.52M	377.21M	-	-	358.97M	280.44M	470.25M	424.22M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	141.76M	-	209.20M	-	-	-
Total Liabilities	-	-	3.70B	4.27B	4.73B	6.98B	-	-	8.74B	8.66B	8.53B	8.48B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	208.50M	200.75M	166.14M	22.46M
Total Debt	-	-	-	-	-	-	-	-	788.50M	270.75M	166.14M	22.46M
Total Equity	372.93M	420.09M	420.35M	549.78M	599.26M	647.15M	-	-	949.94M	1.06B	1.15B	1.25B
Shares Outstanding	-	-	-	-	-	-	-	-	30.75M	30.99M	31.20M	30.95M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	54.58M	61.99M	77.83M	61.55M	887.00K	-	145.65M	129.92M	108.48M	158.92M
Investing Cash Flow	-154.71M	-197.65M	-764.93M	-291.19M	-2.12B	-	-455.99M	-130.03M	231.94M	-113.69M
Financing Cash Flow	83.79M	62.97M	616.59M	404.47M	2.20B	-	-36.31M	-78.42M	-150.61M	-91.27M
Capital Expenditure	-7.92M	-3.03M	-5.48M	-11.15M	-7.20M	-	-8.47M	-26.83M	-22.05M	-10.37M
Free Cash Flow	46.65M	58.96M	72.34M	50.40M	-6.31M	-	137.18M	103.09M	86.43M	148.55M
Net Change in Cash	-	-	-	-	-	-	-346.65M	-78.53M	189.81M	-46.03M
Share Buybacks	-	0	0	10.06M	723.00K	1.26M	0	0	0	15.81M
Dividends Paid	5.76M	7.00M	5.94M	5.86M	8.85M	11.53M	15.89M	18.57M	18.75M	18.87M

Ratios (Annual)

Figures in %.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	26.9%	23.8%	21.7%	19.3%
ROE %	3.1%	3.5%	9.4%	9.0%	5.6%	-	9.2%	7.9%	6.7%	6.0%
ROCE %	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.05%

Institutions

68.50%

Public Float

71.39%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.99%	2.47M	$117.74M
2	Dimensional Fund Advisors LP	4.61%	1.43M	$67.93M
3	Vanguard Capital Management LLC	4.30%	1.33M	$63.40M
4	Silvercrest Asset Management Group, LLC	3.66%	1.13M	$53.87M
5	State Street Corporation	3.19%	984.88K	$46.94M
6	Goldman Sachs Group Inc	2.87%	886.77K	$42.26M
7	Royce & Associates LP	2.74%	847.23K	$40.38M
8	Geode Capital Management, LLC	2.31%	713.67K	$34.01M
9	Kennedy Capital Management, LLC	2.27%	703.03K	$33.51M
10	American Century Companies Inc	2.11%	653.53K	$31.15M

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OBK · Financial Services