Origin Bancorp, Inc. (OBK) Stock

Origin Bancorp, Inc. (OBK) is a Financials stock trading at $52.71 (as of 2026-08-20), with a market capitalization of $1.63B and a trailing P/E of 22.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Origin Bancorp, Inc. is a bank holding company for Origin Bank that provides banking and financial services. It offers deposit accounts and various lending products, as well as insurance and digital and treasury-related services, serving small and medium-sized businesses, municipalities, and retail customers in Texas, Louisiana, and Mississippi.

Understand Origin Bancorp, Inc.: how it makes money

Origin Bancorp is a bank holding company that offers deposit products and makes commercial, real estate, consumer, and mortgage-related loans to customers in Texas, Louisiana, and Mississippi, and it makes money primarily through the interest it earns on its loan portfolio.

A large part of the profit model comes from originating and holding loans (commercial, real estate, and mortgage-related) and funding them with customer deposits, so results tend to be driven by the economics of lending and deposit-funded balance sheet management.

Business quality (Mixed): The provided data includes only company-level revenue and operating margin, with no operating KPI metrics listed, so it is harder to assess the underlying drivers of performance from this snapshot alone.

Valuation: At 20× earnings, OBK trades 59% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Diversified lending categories: It provides a range of loan products, including commercial and commercial real estate, construction and land development, consumer, residential real estate, and mortgage-related lending, which can support multiple sources of loan-related earnings.
Broad deposit and liquidity base: It offers multiple deposit types, including checking accounts, savings deposits, money market accounts, and time deposits, which can help fund its lending activity.

Bear case

Credit and concentration risk: Because it focuses on lending to businesses, municipalities, and retail customers, with exposure across several loan categories (including commercial real estate and mortgage-related loans), weaker borrower performance could pressure earnings.
Rate and funding cost sensitivity: Its lending economics depend on interest earned on loans versus interest paid on deposits, so changes in interest rate conditions that affect deposit and loan pricing could impact results.

Valuation — source: SEC EDGAR (first-party)
Price	$52.71
Market Cap	$1.63B
P/E Ratio	22.2
EV / EBITDA	10.3
Price / Book	1.29
Price / Sales	3.05
FCF Yield	15.2%
DCF Value (model)	$32.48
DCF Upside vs Price	-38.4%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$537.96M
Net Margin	14.0%
Revenue Growth (YoY)	-4.7%
EPS Growth (YoY)	-1.6%
FCF Growth (YoY)	74.8%

Valuation vs Sector & Industry
Stock P/E	22.2
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	46.7%
vs Industry	71.9%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($102.42M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Drake D. Mills
Employees	1,031
Country	US
IPO Date	2018-05-08

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.