No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| FFINFirst Financial Bankshares, Inc. | 4.68B | 32.65 | 20.93 | 18.79% | 30.24% | 14.14% | 6.26% | 0.12 |
| FHNFirst Horizon Corporation | 11.85B | 24.44 | 17.97 | 4.71% | 15.7% | 9.58% | 10.33% | 0.50 |
| AUBAtlantic Union Bankshares Corporation | 5.47B | 38.36 | 17.13 | 28.8% | 15.53% | 4.22% | 5.51% | 0.17 |
| UCBUnited Community Banks, Inc. | 4.09B | 33.91 | 16.62 | 14.65% | 17.05% | 8.83% | 7.4% | 0.13 |
| SNVSynovus Financial Corp. | 6.95B | 50.05 | 16.52 | 1.16% | 14.09% | 13.7% | 11.01% | 0.35 |
| PNFPPinnacle Financial Partners, Inc. | 14.67B | 97.65 | 16.38 | 15.32% | 16.65% | 9.1% | 5.5% | 0.39 |
| CADECadence Bank | 8.27B | 44.40 | 16.03 | 32.37% | 18.03% | 9.08% | 9.39% | 0.01 |
| ABCBAmeris Bancorp | 5.56B | 81.41 | 15.69 | 9.75% | 21.97% | 9.91% | 2.53% | 0.11 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 120.68M | 130.31M | 153.45M | 173.71M | 191.54M | 216.25M | 275.28M | 299.56M | 300.37M |
| NII Growth % | - | 0.08% | 0.18% | 0.13% | 0.1% | 0.13% | 0.27% | 0.09% | 0% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 139.15M | 152.59M | 188.1M | 227.08M | 228.7M | 241.66M | 326.6M | 523.39M | 564.59M |
| Interest Expense | 18.47M | 22.29M | 34.64M | 53.37M | 37.17M | 25.4M | 51.33M | 223.83M | 264.22M |
| Loan Loss Provision | 30.08M | 8.34M | 1.01M | 9.57M | 59.9M | -10.77M | 24.69M | 16.75M | 7.45M |
| Non-Interest Income | 37.99M | 24.32M | 37.38M | 42.31M | 58.26M | 48.8M | 51.18M | 53.3M | 52.22M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | 177.15M | 176.92M | 225.47M | 269.39M | 286.96M | 290.46M | 377.78M | 576.69M | 616.8M |
| Revenue Growth % | - | -0% | 0.27% | 0.19% | 0.07% | 0.01% | 0.3% | 0.53% | 0.07% |
| Non-Interest Expense | 112.83M | 125.81M | 127.37M | 139.91M | 145.54M | 143.39M | 194.32M | 230.18M | 247.87M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | 15.77M | 20.48M | 62.44M | 66.55M | 44.35M | 132.43M | 107.44M | 105.92M | 97.26M |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.3% | 2.05% | 0.07% | -0.33% | 1.99% | -0.19% | -0.01% | -0.08% |
| Pretax Income | 15.77M | 20.48M | 62.44M | 66.55M | 44.35M | 132.43M | 107.44M | 105.92M | 97.26M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | 2.92M | 5.81M | 10.84M | 12.67M | 8M | 23.89M | 19.73M | 22.12M | 20.77M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | 12.85M | 14.67M | 51.6M | 53.88M | 36.36M | 108.55M | 87.72M | 83.8M | 76.49M |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.14% | 2.52% | 0.04% | -0.33% | 1.99% | -0.19% | -0.04% | -0.09% |
| Net Income (Continuing) | 12.85M | 14.67M | 51.6M | 53.88M | 36.36M | 108.55M | 87.72M | 83.8M | 76.49M |
| EPS (Diluted) | 0.37 | 0.45 | 2.20 | 2.28 | 1.55 | 4.60 | 3.28 | 2.71 | 2.45 |
| EPS Growth % | - | 0.22% | 3.89% | 0.04% | -0.32% | 1.97% | -0.29% | -0.17% | -0.1% |
| EPS (Basic) | 0.37 | 0.45 | 2.21 | 2.30 | 1.56 | 4.63 | 3.29 | 2.72 | 2.46 |
| Diluted Shares Outstanding | 22.02M | 22.02M | 22.19M | 23.67M | 23.51M | 23.61M | 26.76M | 30.93M | 31.2M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 259.88M | 187.19M | 116.68M | 291.52M | 377.21M | 705.62M | 358.97M | 280.44M | 470.25M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 3.54B | 3.71B | 4.41B | 4.71B | 6.88B | 6.78B | 8.71B | 8.85B | 8.61B |
| Investments Growth % | - | 0.05% | 0.19% | 0.07% | 0.46% | -0.01% | 0.28% | 0.02% | -0.03% |
| Long-Term Investments | 3.17B | 3.3B | 3.84B | 4.21B | 5.88B | 5.28B | 7.07B | 7.6B | 7.51B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 0 |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 22.19M | 22.19M | 26.74M | 26.74M | 26.74M | 34.37M | 128.68M | 128.68M | 128.68M |
| Intangible Assets | 32.05M | 26.33M | 31.23M | 25.5M | 17.4M | 33.18M | 70.65M | 61.09M | 37.47M |
| PP&E (Net) | 86.74M | 77.41M | 75.01M | 80.46M | 81.76M | 80.69M | 100.2M | 118.98M | 126.62M |
| Other Assets | 48.17M | 41.93M | 74.86M | 77.77M | 100.14M | 83.54M | 106.42M | 280.42M | 302.4M |
| Total Current Assets | 703.21M | 675.6M | 776.09M | 903.52M | 1.52B | 2.35B | 2.21B | 1.53B | 1.57B |
| Total Non-Current Assets | 3.37B | 3.48B | 4.05B | 4.42B | 6.11B | 5.51B | 7.48B | 8.19B | 8.11B |
| Total Assets | 4.07B | 4.15B | 4.82B | 5.32B | 7.63B | 7.86B | 9.69B | 9.72B | 9.68B |
| Asset Growth % | - | 0.02% | 0.16% | 0.1% | 0.43% | 0.03% | 0.23% | 0% | -0% |
| Return on Assets (ROA) | 0% | 0% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 119.94M | 153.98M | 454.87M | 426.86M | 1.14B | 467.22M | 841M | 277.88M | 172.4M |
| Net Debt | -139.94M | -33.21M | 338.19M | 135.34M | 764.58M | -238.4M | 482.02M | -2.56M | -297.85M |
| Long-Term Debt | 119.94M | 153.98M | 454.87M | 282.28M | 427.9M | 414.42M | 208.5M | 200.75M | 166.14M |
| Short-Term Debt | 0 | 0 | 0 | 144.58M | 713.89M | 52.8M | 632.49M | 77.12M | 6.26M |
| Other Liabilities | 28.56M | 34.99M | 0 | 0 | 0 | 0 | 0 | 130.68M | 137.93M |
| Total Current Liabilities | 3.5B | 3.54B | 3.82B | 4.44B | 6.55B | 6.72B | 8.53B | 8.33B | 8.23B |
| Total Non-Current Liabilities | 148.5M | 188.97M | 454.87M | 282.28M | 427.9M | 414.42M | 208.5M | 331.43M | 304.07M |
| Total Liabilities | 3.65B | 3.73B | 4.27B | 4.73B | 6.98B | 7.13B | 8.74B | 8.66B | 8.53B |
| Total Equity | 420.09M | 420.35M | 549.78M | 599.26M | 647.15M | 730.21M | 949.94M | 1.06B | 1.15B |
| Equity Growth % | - | 0% | 0.31% | 0.09% | 0.08% | 0.13% | 0.3% | 0.12% | 0.08% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.03% | 0.03% | 0.11% | 0.09% | 0.06% | 0.16% | 0.1% | 0.08% | 0.07% |
| Book Value per Share | 19.07 | 19.09 | 24.77 | 25.31 | 27.52 | 30.93 | 35.50 | 34.36 | 36.70 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 97.42M | 97.59M | 118.63M | 117.41M | 117.53M | 118.73M | 153.73M | 154.93M | 155.99M |
| Additional Paid-in Capital | 145.07M | 146.06M | 242.04M | 235.62M | 237.34M | 242.11M | 520.67M | 528.58M | 537.37M |
| Retained Earnings | 137.45M | 145.12M | 191.59M | 239.9M | 266.63M | 363.63M | 435.42M | 500.42M | 557.92M |
| Accumulated OCI | 3.46M | 1.31M | -2.48M | 6.33M | 25.65M | 5.73M | -159.88M | -121.02M | -106.03M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 65.26M | 65.26M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 54.58M | 61.99M | 77.83M | 61.55M | 887K | 171.49M | 145.65M | 129.92M | 108.48M |
| Operating CF Growth % | - | 0.14% | 0.26% | -0.21% | -0.99% | 192.33% | -0.15% | -0.11% | -0.17% |
| Net Income | 12.85M | 14.67M | 51.6M | 53.88M | 36.36M | 108.55M | 87.72M | 83.8M | 76.49M |
| Depreciation & Amortization | 7.85M | 5.85M | 5.87M | 6.71M | 6.88M | 6.83M | 12.3M | 17.63M | 16.8M |
| Deferred Taxes | 1.4M | 4.93M | 5.64M | -2.6M | -11.88M | 6.28M | 18.31M | 27.71M | -1.47M |
| Other Non-Cash Items | 31.64M | 35.7M | 13.97M | 2.07M | -31.87M | 42.04M | 27.76M | -4.29M | 6.51M |
| Working Capital Changes | -708K | -631K | -713K | -755K | -917K | 5.5M | -3.89M | -207K | 2.98M |
| Cash from Investing | -154.71M | -197.65M | -764.93M | -291.19M | -2.12B | 12.85M | -455.99M | -130.03M | 231.94M |
| Purchase of Investments | -469.81M | -448.41M | -497.41M | -106.06M | -733.25M | -718.51M | -588.61M | -14.2M | -260.56M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | 3.6M | 844K | -6.14M | 503K | 818K | -7.46M | 69.95M | 0 | 0 |
| Other Investing | -122.25M | -157.14M | -557.35M | -361.07M | -1.59B | 515.92M | -606.43M | -544.52M | 113.65M |
| Cash from Financing | 83.79M | 62.97M | 616.59M | 404.47M | 2.2B | 144.07M | -36.31M | -78.42M | -150.61M |
| Dividends Paid | -5.76M | -7M | -5.94M | -5.86M | -8.85M | -11.53M | -15.89M | -18.57M | -18.75M |
| Share Repurchases | 0 | 0 | -48.26M | -10.06M | -723K | -1.26M | 0 | 0 | 0 |
| Stock Issued | 44.54M | 123K | 95.74M | 166K | 248K | 146K | 2.95M | 3.14M | 1.87M |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 49.77M | 71.13M | 275.23M | 421.88M | 1.51B | 820.42M | -353.11M | 454.63M | -28.87M |
| Net Change in Cash | -16.34M | -72.7M | -70.51M | 174.84M | 85.7M | 328.4M | -346.65M | -78.53M | 189.81M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 276.22M | 259.88M | 187.19M | 116.68M | 291.52M | 377.21M | 705.62M | 358.97M | 280.44M |
| Cash at End | 259.88M | 187.19M | 116.68M | 291.52M | 377.21M | 705.62M | 358.97M | 280.44M | 470.25M |
| Interest Paid | 18.56M | 22.69M | 34.39M | 53.23M | 36.43M | 26.27M | 50.1M | 215.48M | 268.46M |
| Income Taxes Paid | 7.09M | 5.27M | 675K | 10.02M | 24.97M | 21.16M | 6.26M | 383K | 24.17M |
| Free Cash Flow | 46.65M | 58.96M | 72.34M | 50.4M | -6.31M | 166.47M | 137.18M | 103.09M | 86.43M |
| FCF Growth % | - | 0.26% | 0.23% | -0.3% | -1.13% | 27.38% | -0.18% | -0.25% | -0.16% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 3.06% | 3.49% | 10.64% | 9.38% | 5.83% | 15.76% | 10.44% | 8.33% | 6.93% |
| Return on Assets (ROA) | 0.32% | 0.36% | 1.15% | 1.06% | 0.56% | 1.4% | 1% | 0.86% | 0.79% |
| Net Interest Margin | 2.96% | 3.14% | 3.18% | 3.26% | 2.51% | 2.75% | 2.84% | 3.08% | 3.1% |
| Efficiency Ratio | 63.7% | 71.11% | 56.49% | 51.93% | 50.72% | 49.37% | 51.44% | 39.91% | 40.19% |
| Equity / Assets | 10.32% | 10.12% | 11.4% | 11.25% | 8.48% | 9.29% | 9.81% | 10.93% | 11.83% |
| Book Value / Share | 19.07 | 19.09 | 24.77 | 25.31 | 27.52 | 30.93 | 35.5 | 34.36 | 36.7 |
| NII Growth | - | 7.97% | 17.76% | 13.2% | 10.26% | 12.9% | 27.3% | 8.82% | 0.27% |
| Dividend Payout | 44.86% | 47.69% | 11.51% | 10.88% | 24.35% | 10.62% | 18.11% | 22.16% | 24.51% |
| 2024 | |
|---|---|
| Products And Services, Insurance Commission And Fees | 26.76M |
| Products And Services, Insurance Commission And Fees Growth | - |
| Products And Services, Deposit Service Fees | 19.02M |
| Products And Services, Deposit Service Fees Growth | - |
Origin Bancorp, Inc. (OBK) has a price-to-earnings (P/E) ratio of 16.5x. This is roughly in line with market averages.
Origin Bancorp, Inc. (OBK) grew revenue by 7.0% over the past year. This is steady growth.
Yes, Origin Bancorp, Inc. (OBK) is profitable, generating $60.0M in net income for fiscal year 2024 (12.4% net margin).
Yes, Origin Bancorp, Inc. (OBK) pays a dividend with a yield of 1.48%. This makes it attractive for income-focused investors.
Origin Bancorp, Inc. (OBK) has a return on equity (ROE) of 6.9%. This is below average, suggesting room for improvement.
Origin Bancorp, Inc. (OBK) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Origin Bancorp, Inc. (OBK) has an efficiency ratio of 40.2%. This is excellent, indicating strong cost control.