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Upturn AI SWOT - About
Origin Bancorp, Inc. (OBK)
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Upturn Advisory Summary
08/14/2025: OBK (1-star) is a SELL. SELL since 5 days. Profits (4.51%). Updated daily EoD!
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 -22.14% | Avg. Invested days 35 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 16.82 | 1Y Target Price 44 |
Price to earnings Ratio 16.82 | 1Y Target Price 44 | ||
Volume (30-day avg) 5 | Beta 0.81 | 52 Weeks Range 28.56 - 40.82 | Updated Date 08/15/2025 |
52 Weeks Range 28.56 - 40.82 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.60% | Basic EPS (TTM) 2.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-07-23 | When After Market | Estimate 0.78 | Actual 0.86 |
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 16.82 | Forward PE - | Enterprise Value 1048758144 | Price to Sales(TTM) 3.44 |
Enterprise Value 1048758144 | Price to Sales(TTM) 3.44 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 31224700 | Shares Floating 29323445 |
Shares Outstanding 31224700 | Shares Floating 29323445 | ||
Percent Insiders 5.99 | Percent Institutions 63.34 |
Upturn AI SWOT
Origin Bancorp, Inc.
Company Overview
History and Background
Origin Bancorp, Inc. was founded in 1912 as a community bank in Ruston, Louisiana. It has grown through organic expansion and strategic acquisitions, focusing on serving small to medium-sized businesses and individuals across Louisiana, Texas, and Mississippi.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, deposit, and treasury management services to businesses.
- Personal Banking: Provides deposit accounts, loans, and other financial services to individuals and families.
- Mortgage Lending: Originates and services residential mortgage loans.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
Drake Mills serves as the Chairman, President, and CEO. The company has a traditional hierarchical structure with executive leadership overseeing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for working capital, equipment purchases, and real estate development. Market share is difficult to pinpoint precisely due to the fragmented nature of the regional banking market, but Origin Bancorp competes with national banks like Bank of America and regional players like Hancock Whitney. Revenue from commercial loans is a significant portion of the company's total revenue. Competitors: Bank of America (BAC), Hancock Whitney (HWC), Regions Financial (RF).
- Residential Mortgages: Offer various mortgage products including fixed-rate, adjustable-rate, and government-backed loans. Competes with national mortgage lenders and other regional banks. The Mortgage Bankers Association provides market share data by lender type but not specific institutions. Competitors: Rocket Companies (RKT), United Wholesale Mortgage (UWMC).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competes with all banks and credit unions for deposit market share. Competitors: Chase (JPM), Wells Fargo (WFC), local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and evolving customer preferences for digital banking services. Regional banks are facing competition from larger national banks and fintech companies.
Positioning
Origin Bancorp is positioned as a relationship-focused community bank offering personalized service and local expertise. Its competitive advantages include strong local ties, experienced bankers, and a focus on small to medium-sized businesses.
Total Addressable Market (TAM)
The TAM for banking services in Origin Bancorp's footprint (Louisiana, Texas, Mississippi) is estimated to be in the hundreds of billions of dollars. Origin Bancorp's TAM is the total deposits and loan balances available in its regions of operation. They are positioned to capture a small but hopefully growing share by focusing on relationship banking.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Relationship-focused approach
- Solid asset quality
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating expenses as a percentage of assets compared to larger banks
- Reliance on traditional banking channels
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets within its footprint
- Increased adoption of digital banking services
- Acquisitions of smaller community banks
- Growth in wealth management business
- Increased demand for commercial lending
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic slowdown
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- HWC
- RF
- BOKF
Competitive Landscape
Origin Bancorp competes with larger national and regional banks as well as smaller community banks. Its advantages include local expertise and personalized service, while its disadvantages include limited scale and geographic reach.
Major Acquisitions
BT Holdings, Inc.
- Year: 2023
- Acquisition Price (USD millions): 333
- Strategic Rationale: Expanded Origin's presence in the Dallas-Fort Worth market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be based on revenue, asset, and earnings growth over the past several years. Without data access, this is a general overview.
Future Projections: Future growth projections depend on analyst estimates, which require accessing financial data feeds. These estimates would include revenue growth, earnings growth, and stock price targets.
Recent Initiatives: Recent strategic initiatives may include acquisitions, branch expansions, new product launches, or investments in technology.
Summary
Origin Bancorp is a regional bank with a solid presence in the South. It leverages relationship banking and local expertise. Challenges include competition and expansion limitations. Strategic acquisitions help the company expand and increase market share, strengthening its position in a competitive landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst reports (where available)
- Publicly available news sources
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data are estimates and may not be precise. Financial data cannot be updated in real time.
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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