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Upturn AI SWOT - About
Origin Bancorp, Inc. (OBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/20/2025: 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
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $40.2
Year Target Price $40.2
| 2 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.66% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.11B USD | Price to earnings Ratio 14.72 | 1Y Target Price 40.4 |
Price to earnings Ratio 14.72 | 1Y Target Price 40.4 | ||
Volume (30-day avg) - | Beta 0.82 | 52 Weeks Range 28.67 - 40.98 | Updated Date 06/30/2025 |
52 Weeks Range 28.67 - 40.98 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 1.68% | Basic EPS (TTM) 2.43 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.71% | Operating Margin (TTM) 34.99% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 6.75% |
Valuation
Trailing PE 14.72 | Forward PE - | Enterprise Value 722959232 | Price to Sales(TTM) 3.17 |
Enterprise Value 722959232 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 3.38 | Enterprise Value to EBITDA - | Shares Outstanding 31159800 | Shares Floating 29258397 |
Shares Outstanding 31159800 | Shares Floating 29258397 | ||
Percent Insiders 6 | Percent Institutions 63.33 |
Analyst Ratings
Rating 4.2 | Target Price 40.2 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
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 in Ruston, Louisiana, as Bank of Ruston. It has grown through organic expansion and strategic acquisitions, evolving into a regional financial institution.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and treasury management services to businesses.
- Personal Banking: Offers personal loans, mortgages, checking accounts, savings accounts, and other retail banking products.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership and Structure
The leadership team consists of Drake Mills (Chairman, President & CEO) and other senior executives. The organizational structure includes various departments overseeing lending, operations, finance, and technology.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver. Market share data is not publicly available, but Origin targets small to medium-sized businesses primarily in the South. Competitors include regional banks like Hancock Whitney (HWC) and Cadence Bank (CADE).
- Mortgages: Residential mortgages are another key product. Market share is dependent on region, but they have a competitive offering within that region. Competitors include larger national banks like Bank of America (BAC) and Wells Fargo (WFC).
- Deposit Accounts: Checking, savings, and money market accounts are offered to both individuals and businesses. Competitors include local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is a major trend as banks seek scale and efficiency.
Positioning
Origin Bancorp, Inc. is a regional bank focusing on community banking relationships, operating primarily in Louisiana, Texas, and Mississippi. It aims to provide personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in Origin's operating region is estimated in the billions of dollars annually. Origin's strategy focuses on capturing market share through relationship banking and targeted growth initiatives.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-focused banking model
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Vulnerable to regional economic downturns
Opportunities
- Expansion into new markets within the South
- Increased digital banking adoption
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic slowdown
Competitors and Market Share
Key Competitors
- HWC
- CADE
- FFWM
Competitive Landscape
Origin Bancorp, Inc. competes with larger regional and national banks, as well as smaller community banks. Its advantage lies in its local presence and relationship-focused approach.
Major Acquisitions
Fidelity Bancorp Holding Company
- Year: 2021
- Acquisition Price (USD millions): 142.5
- Strategic Rationale: Expanded footprint in Louisiana and Texas.
Growth Trajectory and Initiatives
Historical Growth: Origin Bancorp, Inc. has experienced steady growth through organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth in loan portfolio, deposits and earnings, assuming a stable economic environment.
Recent Initiatives: Recent initiatives include expansion into new markets, investments in digital banking technology, and enhancements to wealth management services.
Summary
Origin Bancorp, Inc. is a financially stable regional bank with a strong local presence, however, it is a smaller company and susceptible to local economic factors. Its relationship-focused banking model and digital initiatives are working well, but it should be cautious of competition from larger institutions and changing customer preferences.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
Financial data is based on estimates and may be subject to change. Market share data is based on available information and may not be precise. This analysis is for informational purposes only and should not be considered financial advice.
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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