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OBK stock logo

OBK

Origin Bancorp, Inc.

$41.8
0.08
 (0.19%)
Exchange:  NYSE
Market Cap:  1.295B
Shares Outstanding:  22.025M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Drake D. Mills
Full Time Employees:  1031
Address: 
500 South Service Road East
Ruston
LA
71270
US
Website:  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, 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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/29 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue576,691616,800598,601
Gross Profit336,104345,133348,505
EBITDA123,551114,059113,396
Operating Income105,92397,25998,799
Net Income83,80076,49275,197

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets9,722,5849,678,7029,724,722
Total Liabilities8,659,6798,533,4578,478,037
Total Stockholders Equity1,062,9051,145,2451,246,685
Total Debt277,877172,40335,594
Cash and Cash Equivalents280,441470,24973,122

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow129,921108,48198,966
Capital Expenditure-26,830-22,0470
Free Cash Flow103,09186,43498,966
Net Income83,80076,49275,197
Net Change in Cash-78,531189,808-15,145

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)446,397.558Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)462,537.241Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)454,467.400Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)123,654.027Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)128,124.788Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)125,889.408Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)125,406.654Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)137,641.502Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)129,740.250Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)126,997.091Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)131,588.722Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)129,292.907Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.180Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.430Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.040Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
615.218M  ?P/S
 (TTM)
: 
2.37
?Net Income
 (TTM)
: 
76.492M  ?P/E
 (TTM)
: 
18.73
?Enterprise Value
 (TTM)
: 
1.382B  ?EV/FCF
 (TTM)
: 
9.3
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0.25
?ROE
 (TTM)
: 
0.06  ?ROIC
 (TTM)
: 
-0.05
?Net Debt
 (TTM)
: 
97.343M  ?Debt/Equity
 (TTM)
: 
0.03
?P/B
 (TTM)
: 
1.13  ?Current Ratio
 (TTM)
: 
0.05

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.89Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Solid Financial Performance: Origin Bancorp reported positive earnings per share in the third quarter of 2025, as highlighted in the earnings call transcript. Key financial results indicate stable revenue and net income, supported by consistent operating cash flow from cash flow statements, reflecting operational resilience.
  • Strong Sector Positioning: Performance metrics show OBK's stock performance over 1-year and 5-year periods aligning with or exceeding industry averages in the banking sector, as per industry and sector data, indicating competitive strength within its niche.
  • Effective Management Strategy: The earnings call transcript emphasizes management's focus on strategic vision and growth potential, with proactive measures to address operational challenges, showcasing adaptability and forward-thinking leadership.
  • Healthy Balance Sheet Metrics: Balance sheet data reveals a reasonable debt-to-equity ratio (TTM) from key metrics, alongside substantial cash and cash equivalents, providing financial flexibility for future investments or debt management.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates OBK intrinsic value between $30.93 – $40.76 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate OBK Intrinsic Value

Common questions about OBK valuation

Is Origin Bancorp, Inc. (OBK) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Origin Bancorp, Inc. (OBK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is OBK a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OBK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is OBK’s P/E ratio?

You can see OBK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for OBK?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is OBK a good long-term investment?

Whether OBK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

OBK

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.19
Chart data temporarily unavailable.
Daily snapshot

Trading Metrics:

Open: 41.23   Previous Close: 41.72
Day Low: 41.03   Day High: 41.82
Year Low: 28.8   Year High: 46.02
Price Avg 50: 42.2   Price Avg 200: 38.01
Volume: 150130   Average Volume: 213538

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OBK full analysis

27/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Origin Bancorp, also known by its ticker OBK. If you’re a long-term investor looking to build wealth and grow your portfolio, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, where it shines, and where the risks lie. Let’s break it down with a full SWOT analysis, blending recent news, financials, and performance trends to give you a clear picture of whether this…

Listen to full analysis (audio file)

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See in Nexus

Relevant news

Origin Bancorp (OBK) is a Great Momentum Stock: Should You Buy?
15-04-2026 13:01
Origin Bancorp (OBK) is a Great Momentum Stock: Should You Buy?
What Makes Origin Bancorp (OBK) a Strong Momentum Stock: Buy Now?
06-02-2026 13:02
What Makes Origin Bancorp (OBK) a Strong Momentum Stock: Buy Now?
Origin Bancorp, Inc. (OBK) Q4 2025 Earnings Call Transcript
29-01-2026 13:52
Origin Bancorp, Inc. (OBK) Q4 2025 Earnings Call Transcript
Origin Bancorp (OBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
28-01-2026 20:30
Origin Bancorp (OBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

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