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Upturn AI SWOT - About
Origin Bancorp, Inc. (OBK)
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Upturn Advisory Summary
03/20/2025: OBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -35.2% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.12B USD | Price to earnings Ratio 14.62 | 1Y Target Price 44 |
Price to earnings Ratio 14.62 | 1Y Target Price 44 | ||
Volume (30-day avg) 127172 | Beta 0.96 | 52 Weeks Range 27.21 - 41.16 | Updated Date 03/27/2025 |
52 Weeks Range 27.21 - 41.16 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 1.67% | Basic EPS (TTM) 2.45 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.96% | Operating Margin (TTM) 25.57% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 6.93% |
Valuation
Trailing PE 14.62 | Forward PE - | Enterprise Value 871948352 | Price to Sales(TTM) 3.21 |
Enterprise Value 871948352 | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 3.63 | Enterprise Value to EBITDA - | Shares Outstanding 31244000 | Shares Floating 29332505 |
Shares Outstanding 31244000 | Shares Floating 29332505 | ||
Percent Insiders 5.89 | Percent Institutions 60.74 |
Analyst Ratings
Rating 4.4 | Target Price 40 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Origin Bancorp, Inc.
Company Overview
History and Background
Origin Bancorp, Inc. was founded in 1912 as Bank of Bernice in Bernice, Louisiana. Over time, it expanded through organic growth and acquisitions, evolving into Origin Bank and Origin Bancorp, Inc. It has focused on community banking and providing financial services to small and medium-sized businesses.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit. Services also include treasury management and international banking.
- Personal Banking: Offers deposit accounts, loans, and other financial services to individuals and families. Includes mortgage lending, consumer loans, and wealth management services.
- Mortgage Banking: Origin Bank is a mortgage lender and provides origination and servicing of mortgage loans
Leadership and Structure
Origin Bancorp, Inc. is led by Drake Mills, Chairman, President and CEO. The company has a traditional corporate structure with various departments and regional teams reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the acquisition, development, or refinancing of commercial properties. The market share of community banks in this segment is fragmented, with larger national banks and regional players holding significant portions. Competitors include Regions Financial (RF), Hancock Whitney Corporation (HWC), and Cadence Bank (CADE).
- Small Business Loans: Loans for small businesses to finance operations, expansion, or acquisitions. Similar to commercial real estate, the market is fragmented. Competitors include Regions Financial (RF), Hancock Whitney Corporation (HWC), and Cadence Bank (CADE).
- Personal Mortgages: Mortgages for people to purchase their homes. Origin services mortgages and has several competitors in the market like Rocket Mortgage and United Wholesale Mortgage.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Community banks face pressure from larger institutions and fintech companies.
Positioning
Origin Bancorp, Inc. positions itself as a relationship-focused community bank offering personalized service. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the markets Origin serves is substantial, estimated in the billions of dollars. Origin is well-positioned to capture a portion of this market by focusing on relationship-based banking and local expertise.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid asset quality
- Geographic focus in growing markets
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking channels
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Acquisition opportunities
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- RF
- HWC
- CADE
Competitive Landscape
Origin Bancorp, Inc. competes with larger regional and national banks, as well as smaller community banks. Its advantages include local market knowledge and personalized service, while its disadvantages include smaller scale and limited geographic reach.
Major Acquisitions
Fidelity Bancorp Holding Company
- Year: 2021
- Acquisition Price (USD millions): 326.5
- Strategic Rationale: Expanded Origin's presence in the attractive Dallas/Fort Worth market and added scale to its operations.
Growth Trajectory and Initiatives
Historical Growth: Origin Bancorp, Inc. has grown through a combination of organic growth and acquisitions. Past performance has been characterized by steady loan growth and stable asset quality.
Future Projections: Analyst estimates project continued growth in loan volume and earnings, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities, opening new branch locations, and pursuing strategic acquisitions.
Summary
Origin Bancorp shows promise through its solid local customer relationships and growth initiatives. However, they should focus on competition from larger players and keep an eye on economic shifts. Diversifying geographically and embracing digital solutions are vital. This company needs to grow its market share and watch for rising interest rates.
Similar Companies
- RF
- HWC
- CADE
- CBSH
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Origin Bancorp, Inc.
Exchange NYSE | Headquaters Ruston, LA, United States | ||
IPO Launch date 2018-05-08 | Chairman, President & CEO Mr. Drake D. Mills | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1031 | Website https://www.origin.bank |
Full time employees 1031 | 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, 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 1912 and is headquartered in Ruston, Louisiana.
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