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Upturn AI SWOT - About
Origin Bancorp, Inc. (OBK)
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Upturn Advisory Summary
10/17/2025: 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.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $43
1 Year Target Price $43
| 2 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.81% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.03B USD | Price to earnings Ratio 14.73 | 1Y Target Price 43 |
Price to earnings Ratio 14.73 | 1Y Target Price 43 | ||
Volume (30-day avg) 5 | Beta 0.78 | 52 Weeks Range 28.56 - 40.82 | Updated Date 10/18/2025 |
52 Weeks Range 28.56 - 40.82 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 1.85% | Basic EPS (TTM) 2.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.69 | 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 14.73 | Forward PE - | Enterprise Value 902938752 | Price to Sales(TTM) 3.01 |
Enterprise Value 902938752 | Price to Sales(TTM) 3.01 | ||
Enterprise Value to Revenue 3.69 | Enterprise Value to EBITDA - | Shares Outstanding 31224718 | Shares Floating 29319073 |
Shares Outstanding 31224718 | Shares Floating 29319073 | ||
Percent Insiders 5.92 | Percent Institutions 64.24 |
Upturn AI SWOT
Origin Bancorp, Inc.
Company Overview
History and Background
Origin Bancorp, Inc. was founded in 1912 as State National Bank of Ruston. It has grown through acquisitions and organic expansion to become a regional financial institution.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses.
- Personal Banking: Offers deposit accounts, loans, mortgages, and wealth management services to individuals and families.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
Drake Mills serves as the Chairman, President, and CEO. The company has a traditional hierarchical structure with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses for working capital, equipment purchases, and real estate. Specific market share data is difficult to ascertain for Origin Bancorp specifically but competitors include larger national and regional banks such as Hancock Whitney (HWC) and Cadence Bank (CADE).
- Residential Mortgages: Offer mortgage loans for home purchases and refinances. Market share data for residential mortgages varies regionally and is intensely competitive, including Quicken Loans and national banks.
- Deposit Accounts: Provide checking, savings, and money market accounts for businesses and individuals. Market share is highly fragmented with competition from national and community banks, and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Origin Bancorp is a regional bank focused on serving the needs of its customers with a strong emphasis on community banking. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars. Origin Bancorp is positioned to capture a share of this market through its regional focus and customer service approach.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisition of smaller banks
- 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
- Hancock Whitney (HWC)
- Cadence Bank (CADE)
- Texas Capital Bancshares (TCBI)
- Regions Financial (RF)
Competitive Landscape
Origin Bancorp competes with larger regional and national banks, as well as smaller community banks. The competitive landscape is intense, with each bank trying to differentiate itself through customer service, product offerings, and technology.
Major Acquisitions
Brazos Bancshares, Inc.
- Year: 2022
- Acquisition Price (USD millions): 235
- Strategic Rationale: Expanded Origin Bancorp's presence in the Texas market.
Growth Trajectory and Initiatives
Historical Growth: Origin Bancorp has grown through organic expansion and acquisitions over the past years.
Future Projections: Future growth projections depend on economic conditions, interest rates, and the company's ability to execute its strategic plan.
Recent Initiatives: Recent initiatives include expanding digital banking services and acquiring smaller banks.
Summary
Origin Bancorp is a regional bank with a strong presence in its local markets. It has grown through acquisitions and organic expansion. The company faces competition from larger banks and fintech companies. Careful attention to managing costs and expansion is key.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data requires further research via EDGAR.
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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