Origin Bancorp Inc. Common Stock (OBK)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank, Origin must be judged on underwriting, margins, and balance-sheet strength, not free cash flow or EBITDA. The filed record is mixed. In fiscal year 2023 (ended 2023-12-31), net income was $83.8M and diluted EPS $2.71. In fiscal year 2024 (ended 2024-12-31), net income was $76.5M and diluted EPS $2.45. In fiscal year 2025 (ended 2025-12-31), net income was $75.2M and diluted EPS $2.40. That is a declining annual trend, yet recent quarters show recovery: fiscal Q1 2026 (quarter ended 2026-03-31) net income was $27.7M and EPS $0.89, and fiscal Q2 2026 (quarter ended 2026-06-30) net income was $33.8M and EPS $1.09. FairStock calculations at the 2026-10-13 close of $51.94 show P/E 16.33, P/B 1.25, ROE 8.02%, dividend yield 1.93%, PEG 0.15, beta 0.74, and Piotroski F-Score 6/9. FairStock also classifies it as a Stalwart, citing 15.6% annual profit growth over five years. The low beta and P/B of 1.25 are not demanding, but an 8% ROE is mediocre for a bank, and the shares sit near the upper end of the 52-week range of $32.13-$55.57. The data does not include CET1, net interest margin, combined ratio, credit quality, or leverage, so I cannot judge the biggest bank risks. At 1.25 times book, the price assumes the rebound continues; I would want a wider margin of safety.

In plain English: Origin Bancorp is a small regional bank that serves businesses and individuals in Texas, Louisiana, Alabama and Mississippi. It makes money from loans and deposits, and its profit has been improving in the latest quarters after a weaker stretch. At the recent price near $52, the stock looks roughly fair to slightly cheap compared with the company's profits and net worth, but it is not a deep bargain if loan problems appear.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer