Origin Bancorp, Inc. (OBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Origin Bancorp, Inc. stock (OBK) is currently trading at $40.96. Origin Bancorp, Inc. PE ratio is 16.73. Origin Bancorp, Inc. PS ratio (Price-to-Sales) is 3.64. Analyst consensus price target for OBK is $48.20. WallStSmart rates OBK as Moderate Buy.
- OBK PE ratio analysis and historical PE chart
- OBK PS ratio (Price-to-Sales) history and trend
- OBK intrinsic value — DCF, Graham Number, EPV models
- OBK stock price prediction 2025 2026 2027 2028 2029 2030
- OBK fair value vs current price
- OBK insider transactions and insider buying
- Is OBK undervalued or overvalued?
- Origin Bancorp, Inc. financial analysis — revenue, earnings, cash flow
- OBK Piotroski F-Score and Altman Z-Score
- OBK analyst price target and Smart Rating
Origin Bancorp, Inc.
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OBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Origin Bancorp, Inc. (OBK)
OBK trades at a significant discount to its Graham intrinsic value of $112.32, offering a 61% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Origin Bancorp, Inc. (OBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Origin Bancorp, Inc. (OBK) Key Strengths (5)
Keeps $40 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 109.00% year-over-year
Keeps $22 of every $100 in revenue as net profit
65.17% held by institutions, strong professional interest
Origin Bancorp, Inc. (OBK) Areas to Watch (4)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.64x sales
Solid revenue growth at 19.60% per year
Origin Bancorp, Inc. (OBK) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.6/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (1.00) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.10%, Profit Margin at 22.00%. Growth metrics are encouraging with EPS Growth at 109.00%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.64) suggest expensive pricing. Growth concerns include Revenue Growth at 19.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.29%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.29% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 19.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OBK's Price-to-Sales ratio of 3.64x sits near its historical average of 3.64x (50th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 49% below its historical high of 7.16x set in Jun 2018, and 129% above its historical low of 1.59x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~1.8x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Origin Bancorp, Inc. (OBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Origin Bancorp, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 342M with 20% growth year-over-year. Profit margins are strong at 22.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 22.0% and operating margin of 40.1% demonstrate strong pricing power and operational efficiency.
Generating 40M in free cash flow and 43M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Origin Bancorp, Inc..
Bottom Line
Origin Bancorp, Inc. offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:04:31 AM
About Origin Bancorp, Inc.(OBK)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Origin Bancorp, Inc. is a prominent financial institution headquartered in Ruston, Louisiana, known for its comprehensive portfolio of banking and financial services tailored to individuals and businesses. Through its subsidiary, Origin Bank, the company delivers a robust suite of offerings including commercial banking, mortgage lending, and wealth management, underscoring its commitment to exceptional customer service and community involvement. With a strategic focus on leveraging advanced technology to enhance client engagement and operational capabilities, Origin Bancorp is well-positioned to capitalize on growth opportunities in the dynamic financial sector.