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Upturn AI SWOT - About
Origin Bancorp, Inc. (OBK)
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Upturn Advisory Summary
09/15/2025: OBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $44
1 Year Target Price $44
| 2 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.47% | Avg. Invested days 32 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.11B USD | Price to earnings Ratio 15.87 | 1Y Target Price 44 |
Price to earnings Ratio 15.87 | 1Y Target Price 44 | ||
Volume (30-day avg) 5 | Beta 0.84 | 52 Weeks Range 28.56 - 40.82 | Updated Date 09/15/2025 |
52 Weeks Range 28.56 - 40.82 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.70% | Basic EPS (TTM) 2.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.52% | Operating Margin (TTM) 27% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 6.08% |
Valuation
Trailing PE 15.87 | Forward PE - | Enterprise Value 982874048 | Price to Sales(TTM) 3.24 |
Enterprise Value 982874048 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 3.78 | Enterprise Value to EBITDA - | Shares Outstanding 31224700 | Shares Floating 29319073 |
Shares Outstanding 31224700 | Shares Floating 29319073 | ||
Percent Insiders 5.92 | Percent Institutions 63.53 |
Upturn AI SWOT
Origin Bancorp, Inc.
Company Overview
History and Background
Origin Bancorp, Inc. was founded in 1912 as Bank of Choudrant in Choudrant, Louisiana. It has grown through organic expansion and strategic acquisitions to become a regional financial institution operating primarily in Louisiana, Texas, Mississippi, and Alabama.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and treasury management services to businesses of various sizes.
- Retail Banking: Offers traditional retail banking products and services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team includes Drake Mills (Chairman, President and CEO). The organizational structure consists of various departments overseeing lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and real estate loans. Competitors include regional and national banks like Hancock Whitney (HWC), Cadence Bank (CADE) and Truist Financial (TFC). Origin does not provide a breakdown of market share or revenue based on product.
- Mortgage Loans: Offers mortgage loans to individuals for purchasing or refinancing residential properties. Competitors include regional and national banks such as Hancock Whitney (HWC), Cadence Bank (CADE) and Truist Financial (TFC). Origin does not provide a breakdown of market share or revenue based on product.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Competitors include regional and national banks such as Hancock Whitney (HWC), Cadence Bank (CADE) and Truist Financial (TFC). Origin does not provide a breakdown of market share or revenue based on product.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. There is also consolidation within the industry.
Positioning
Origin Bancorp, Inc. is positioned as a community-focused regional bank with a strong presence in the Southern United States. Its competitive advantages include local market knowledge, personalized customer service, and a focus on relationship banking.
Total Addressable Market (TAM)
The TAM for banking services in the Southern US is estimated to be in the hundreds of billions of dollars. Origin Bancorp, Inc. captures a small portion of this TAM with potential for growth by expanding its reach and services.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southern United States
- Experienced management team
- Relationship-focused banking approach
- Diversified revenue streams
Weaknesses
- Smaller size compared to national banks
- Limited geographic diversification
- Exposure to regional economic conditions
- Reliance on traditional banking model
Opportunities
- Expanding into new markets within the South
- Acquiring smaller community banks
- Investing in technology to improve customer experience
- Offering new products and services
Threats
- Increasing competition from national banks and fintech companies
- Rising interest rates and inflation
- Economic downturn in the Southern United States
- Regulatory changes
Competitors and Market Share
Key Competitors
- HWC
- CADE
- WTFC
- IBOC
- BOH
Competitive Landscape
Origin Bancorp, Inc. faces competition from larger national banks and smaller community banks. It differentiates itself through its local market knowledge and personalized customer service.
Major Acquisitions
Brazos Bancshares, Inc.
- Year: 2022
- Acquisition Price (USD millions): 217
- Strategic Rationale: Expanded Origin's presence in the Houston, Texas market and increased its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Origin Bancorp, Inc. has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by expansion into new markets, increased lending activity, and improved operational efficiency. Analyst estimates can provide specific revenue and earnings growth projections.
Recent Initiatives: Recent initiatives include investing in technology to enhance digital banking capabilities and expanding its presence in key markets.
Summary
Origin Bancorp, Inc. is a regional bank with a solid presence in the Southern US, focusing on relationship banking and organic growth supplemented by acquisitions. Its strengths lie in its local market expertise and diversified services. However, it faces competition from larger institutions and needs to manage economic and regulatory challenges effectively. Strategic initiatives should concentrate on tech investments and regional expansions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news sources
- Analyst reports (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is estimated and may not be precise.
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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