Origin Bancorp, Inc. (OBK) AI Stock Analysis

Origin Bancorp, Inc. functions as a bank holding company overseeing Origin Bank, providing banking and financial services to small and medium-sized businesses, municipalities, and retail clients across Texas, Louisiana, and Mississippi. Founded in 1912 and based in Ruston, Louisiana, its offerings include noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits. Lending services span commercial real estate, construction, consumer, residential real estate, commercial and industrial loans, and mortgage warehouse facilities. Origin Bancorp also delivers insurance solutions covering personal and commercial property and casualty risks, alongside treasury management, mobile banking, and cash management tools.

Between FY2021 and FY2025, Origin Bancorp's revenue expanded at a five-year CAGR of 15.8%, rising from $290.5M in FY2021 to $598.6M in FY2025 despite a 3.0% decline in the final year. Operating margin compressed from 45.6% in FY2021 to 16.5% in FY2025, while net income shifted from $108.5M to $75.2M. However, EPS rose to $3.48 in FY2025 from $3.01 in FY2024. For the latest quarter ended June 30, 2026, the company posted quarterly revenue growth of 33.3% year-over-year and quarterly earnings growth of 132.1% year-over-year, supported by a trailing twelve-month profit margin of 26.4%.

As of June 30, 2026, Origin Bancorp held $125.0M in cash and short-term investments alongside total debt of $136.9M, leaving net debt at $11.9M. Shareholders' equity stood at $1.28B against total assets of $10.28B, yielding a debt-to-equity ratio of 0.11 and a current ratio of 0.01. During FY2025, the bank generated $158.9M in operating cash flow and $151.1M in free cash flow. Capital allocation in FY2025 included $7.9M in capital expenditures, $15.8M in share buybacks, and $18.9M in dividends paid.

Origin Bancorp carries a market cap of $1.59B and an enterprise value of $1.20B. The stock trades at a trailing P/E of 16.2x and a price-to-sales multiple of 4.2x, compared to the median of its US-listed Financial Services peers of 12.1x trailing P/E and 3.2x price-to-sales. Price-to-book stands at 1.3x. Over the past year, OBK shares returned 62.1%, outperforming the S&P 500 return of 16.8%, though its five-year return of 29.7% trailed the S&P 500 five-year return of 83.0%.

Origin Bancorp pays a forward annual dividend of $1.00 per share, representing a dividend yield of 1.94%. The payout ratio is 20.8%, supported by 9 consecutive years of dividend payments. Over the past five years, the dividend has grown at an annualized rate of 9.7%, with distributions made on a quarterly frequency and the last ex-dividend date on August 14, 2026.

Wall Street coverage consists of 2 Strong Buy, 2 Buy, and 2 Hold ratings. The mean price target of $59.20 implies 14.7% upside relative to the last close of $51.60. For the fiscal year ending December 31, 2026, analysts estimate EPS of $4.10, an increase of 17.9%, on revenue of $436.5M. The bank has beaten EPS estimates in 3 of the last 4 quarters, with the next earnings release scheduled for October 28, 2026.

This page is an AI-written research summary of Origin Bancorp, Inc. (OBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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