Origin Bancorp, Inc. (OBNK), Discounted Cash Flow Valuation

Origin Bancorp ، Inc. (OBNK) Profile

US | Financial Services | Banks - Regional | NASDAQ
28.61 -0.54 (-1.85%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
880.64M
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
482.34M
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
76.49M
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
31.2M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
2.46
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
13.55
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
1.81%
Exchange Name of stock exchange where the trading item trades.
NASDAQ
Avg Volume The average number of shares traded each day over the past 30 days.
114.23K
Open The opening trade price over the trading day.
29.56
Previous Close The last closing price.
29.15
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.89
1 day delta The range between the high and low prices over the past day.
28.46-30.29
52 weeks The range between the high and low prices over the past 52 weeks.
25.59-47.28

Total Valuation

Origin Bancorp, Inc. has a market cap or net worth of 987.78M. The enterprise value is 683.67M.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
987.78M
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
683.67M

Valuation Ratios

The trailing PE ratio is 12.87. Origin Bancorp, Inc.'s PEG ratio is 10.46.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
12.87
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
2.05
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
0.86
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
11.43
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
10.46

Enterprise Valuation

The stock's EV/EBITDA ratio is 26.6, with a EV/FCF ratio of 7.91.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
1.42
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
26.6
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
6.3
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
7.91

Financial Efficiency

Return on equity (ROE) is 6.85% and return on invested capital (ROIC) is 0.71%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
6.85%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
0.79%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
0.71%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.06
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 100.07%, with operating and profit margins of 18.06% and 15.86%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
100.07%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
18.06%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
20.16%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
15.86%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
5.33%

Income Statement

In the last 12 months, Origin Bancorp, Inc. had revenue of 482.34M and earned 76.49M in profits. Earnings per share (EPS) was 2.46.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
482.34M
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
482.66M
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
87.11M
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
97.26M
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
76.49M
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
25.7M
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
12.74M
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
2.46

Financial Position

The company has a trailing 12 months (ttm) current ratio of 0, with a ttm Debt / Equity ratio of 0.15.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
0
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
0
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0.15
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
1.12

Dividends & Yields

This stock pays an annual dividend of 0.6, which amounts to a dividend yield of 1.90%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
0.6
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
1.90%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
7.77%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
8.75%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
-0.04%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
30.42%

Balance Sheet

The company has 470.25M in cash and 166.14M in debt, giving a net cash position of 304.11M.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
470.25M
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
166.14M
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
304.11M
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
1.15B
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
36.79
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
1.57B

Cash Flow

In the last 12 months, operating cash flow of the company was 108.48M and capital expenditures -22.05M, giving a free cash flow of 86.43M.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
108.48M
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-22.05M
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
86.43M
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
2.78

Origin Bancorp, Inc. News

May 1, 2023 - seekingalpha.com
Origin Bancorp, Inc. (OBNK) Q1 2023 Earnings Call Transcript
Origin Bancorp, Inc. (NASDAQ:OBNK ) Q1 2023 Earnings Conference Call April 27, 2023 9:00 AM ET Company Participants Chris Reigelman - IR Drake Mills - Chairman, President and CEO Lance Hall - President and CEO, Origin Bank Jim Crotwell - Chief Risk Officer Wally Wallace - CFO Conference Call Participants Matt Olney - Stephens, Inc. Michael Rose - Raymond James Brad Milsaps - Piper Sandler Brady Gailey - KBW Kevin Fitzsimmons - D.A. Davidson Operator Good morning, and welcome to the Origin Bancor...[read more]
Apr 26, 2023 - zacks.com
Origin Bancorp (OBNK) Misses Q1 Earnings and Revenue Estimates
Origin Bancorp (OBNK) came out with quarterly earnings of $0.79 per share, missing the Zacks Consensus Estimate of $0.91 per share. This compares to earnings of $0.87 per share a year ago....[read more]
Apr 10, 2023 - globenewswire.com
Origin Bancorp, Inc. Announces First Quarter 2023 Earnings Release and Conference Call
RUSTON, La., April 10, 2023 (GLOBE NEWSWIRE) -- Origin Bancorp, Inc. (Nasdaq: OBNK) (“Origin”), the financial holding company for Origin Bank, plans to issue first quarter 2023 results after the market closes on Wednesday, April 26, 2023, and hold a conference call to discuss such results on Thursday, April 27, 2023, at 8:00 a.m. Central Time (9:00 am Eastern Time). The conference call will be hosted by Drake Mills, Chairman, President and CEO of Origin, William J. Wallace, IV, Chief Financial O...[read more]
Jan 25, 2023 - zacks.com
Origin Bancorp (OBNK) Misses Q4 Earnings and Revenue Estimates
Origin Bancorp (OBNK) delivered earnings and revenue surprises of -4.04% and 4.87%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?...[read more]
Jan 10, 2023 - globenewswire.com
Origin Bancorp, Inc. Announces Fourth Quarter and 2022 Full Year Earnings Release and Conference Call
RUSTON, La., Jan. 10, 2023 (GLOBE NEWSWIRE) -- Origin Bancorp, Inc. (Nasdaq: OBNK) (“Origin”), the financial holding company for Origin Bank, plans to issue fourth quarter and full year 2022 results after the market closes on Wednesday, January 25, 2023, and hold a conference call to discuss such results on Thursday, January 26, 2023, at 8:00 a.m. Central Time (9:00 am Eastern Time). The conference call will be hosted by Drake Mills, Chairman, President and CEO of Origin, William J. Wallace, IV,...[read more]
Oct 29, 2022 - seekingalpha.com
Origin Bancorp, Inc. (OBNK) Q3 2022 Earnings Call Transcript
Origin Bancorp, Inc. (NASDAQ:OBNK ) Q3 2022 Earnings Conference Call October 27, 2022 9:00 AM ET Company Participants Chris Reigelman - Head, Investor Relations Drake Mills - Chairman, President and Chief Executive Officer Lance Hall - President and Chief Executive Officer, Origin Bank Steve Brolly - Chief Accounting Officer Jim Crotwell - Chief Risk Officer Wally Wallace - Chief Financial Officer Preston Moore - Chief Credit and Banking Officer Conference Call Participants Michael Rose - Raymon...[read more]
Oct 26, 2022 - zacks.com
Origin Bancorp (OBNK) Lags Q3 Earnings Estimates
Origin Bancorp (OBNK) delivered earnings and revenue surprises of -6.56% and 1.59%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?...[read more]
Oct 11, 2022 - globenewswire.com
Origin Bancorp, Inc. Announces Third Quarter 2022 Earnings Release and Conference Call
RUSTON, La., Oct. 11, 2022 (GLOBE NEWSWIRE) -- Origin Bancorp, Inc. (Nasdaq: OBNK) (“Origin”), the financial holding company for Origin Bank, plans to issue third quarter 2022 results after the market closes on Wednesday, October 26, 2022, and hold a conference call to discuss such results on Thursday, October 27, 2022, at 8:00 a.m. Central Time (9:00 am Eastern Time). The conference call will be hosted by Drake Mills, Chairman, President and CEO of Origin, Steve Brolly, Chief Accounting Officer...[read more]
Jul 30, 2022 - seekingalpha.com
Origin Bancorp, Inc's (OBNK) CEO Drake Mills on Q2 2022 Results - Earnings Call Transcript
Origin Bancorp, Inc. (NASDAQ:OBNK ) Q2 2022 Earnings Conference Call July 28, 2022 9:00 AM ET Company Participants Chris Reigelman – Head of Investor Relations Drake Mills – Chairman, President and Chief Executive Officer Lance Hall – President and Chief Executive Officer, Origin Bank Jim Crotwell – Chief Risk Officer Steve Brolly – Chief Financial Officer Conference Call Participants Matt Olney – Stephens Kevin Fitzsimmons – D.A. Davidson Woody Lay – KBW Operator Good morning, ladies and gentle...[read more]
Jul 21, 2022 - globenewswire.com
Origin Bancorp, Inc. Announces Second Quarter 2022 Earnings Release and Conference Call
RUSTON, La., July 21, 2022 (GLOBE NEWSWIRE) -- Origin Bancorp, Inc. (Nasdaq: OBNK) (“Origin”), the financial holding company for Origin Bank, plans to issue second quarter 2022 results after the market closes on Wednesday, July 27, 2022, and hold a conference call to discuss such results on Thursday, July 28, 2022, at 8:00 a.m. Central Time (9:00 am Eastern Time). The conference call will be hosted by Drake Mills, Chairman, President and CEO, Steve Brolly, Chief Financial Officer, and Lance Hall...[read more]

Origin Bancorp, Inc. Details

Country US
City Ruston
Address 500 South Service Road East
Ticker Symbol OBNK
Exchange NASDAQ Global Select
IPO Date May 9, 2018
CEO Mr. Drake D. Mills
Sector Financial Services
Industry Banks - Regional
Employees 1.02K

Origin Bancorp, Inc. Company Description

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, high net worth individuals, 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, residential mortgage, and paycheck protection program loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit box, U.S. savings bonds, and automatic account transfer services; and treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. As of December 31, 2021, it operated 44 banking centers. The company was founded in 1912 and is headquartered in Ruston, Louisiana.

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