Stocks · Financial Services · Banks - Regional
Origin Bancorp, Inc. OBK
$53.62 +1.90% Close, Oct 2, 2026 · NYSE · Market cap $1.66B
Strong growthStrong trend
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.20, up 42.9% year over year.
- The stock is in an uptrend: above its 200-day average for 216 trading days, with the 50-day average above the 200-day.
- The shares trade at 16.8× trailing earnings, higher than 81% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 43%
- EPS growth (TTM, YoY)Top 24%
- FCF growth (TTM, YoY)Top 27%
- Revenue growth, 3-year CAGRTop 43%
- Revenue growth accelerationTop 15%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 14%
- Gross marginBottom 42%
- Operating marginBottom 48%
- Cash conversion (OCF / net income)Top 19%
- Accruals (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 37%
- Interest coverBottom 37%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 47%
- Free-cash-flow yieldTop 32%
- EBITDA / enterprise valueTop 39%
- Sales / enterprise valueTop 40%
- P/E vs own 5-year history (lower is better)Bottom 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 5%
- 6-month returnTop 11%
- 1-year return vs S&P 500Top 5%
- Distance from 52-week highTop 16%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 13%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 12%
- Upside to consensus price targetBottom 19%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 29%
- Maximum drawdown, 3 yearsTop 48%
- Beta vs S&P 500 (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Top 37%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -2.2% | 4.5% | ↑ |
| EPS growth (YoY) | 5.7% | 42.9% | ↑ |
| Gross margin | 58.5% | 62.4% | ↑ |
| Operating margin | 15.2% | 21.3% | ↑ |
| FCF margin | 18.6% | 28.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.5% | -2.2% | ↑ | Bottom 43% |
| EPS growth (TTM, YoY) | 42.9% | 5.7% | ↑ | Top 24% |
| Gross margin | 62.4% | 58.5% | ↑ | Bottom 42% |
| Operating margin | 21.3% | 15.2% | ↑ | Bottom 48% |
| Net margin | 16.3% | 12.0% | ↑ | — |
| Free-cash-flow margin | 28.7% | 18.6% | ↑ | — |
| Return on invested capital | -1.2% | — | Bottom 14% | |
| Revenue growth, 3-year CAGR | 16.6% | — | Top 43% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.36×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.32%
- Net buyback yield (TTM)
- 1.42%
- Shareholder yield
- 2.74%
- Share count change, 1 year
- -0.5%
- Share count change, 3-year CAGR
- +0.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -13.3%
- Average 2-day reaction, last 8
- -0.1%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $56.00
- Target vs current price
- +4.4%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 80%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +9.4% | -0.3% | +6.6% | +3.4% | — |
| Apr 22, 2026 | -1.1% | -1.2% | +4.4% | +1.0% | +15.3% |
| Jan 28, 2026 | +8.0% | -0.7% | +8.0% | +5.0% | +13.6% |
| Oct 22, 2025 | -69.7% | +0.4% | +1.7% | -0.8% | +18.1% |
| Jul 23, 2025 | -39.7% | -0.2% | -0.1% | -2.8% | -10.4% |
| Apr 23, 2025 | +4.4% | +2.0% | +2.6% | +8.9% | +22.5% |
| Jan 22, 2025 | -11.5% | -0.9% | +8.9% | +10.5% | -14.9% |
| Oct 23, 2024 | -6.3% | +0.3% | -1.6% | +6.2% | +11.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.09 | $1.00 | +9.4% | $107.6M |
| Apr 22, 2026 | $0.89 | $0.90 | -1.1% | $104.0M |
| Jan 28, 2026 | $0.95 | $0.88 | +8.0% | $103.4M |
| Oct 22, 2025 | $0.27 | $0.89 | -69.7% | $108.3M |
| Jul 23, 2025 | $0.47 | $0.78 | -39.7% | $84.7M |
| Apr 23, 2025 | $0.71 | $0.68 | +4.4% | $95.2M |
| Jan 22, 2025 | $0.46 | $0.52 | -11.5% | $77.6M |
| Oct 23, 2024 | $0.60 | $0.64 | -6.3% | $90.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 16.8× | 11.7× | 81th | Bottom 47% |
| P/E (forward) | 13.1× | — | — | — |
| EV / EBITDA | 12.3× | — | — | Top 39% |
| EV / Sales | 2.79× | — | — | Top 40% |
| Free-cash-flow yield | 10.58% | — | — | Top 32% |
| Earnings yield | 5.97% | — | — | Bottom 47% |
P/E over the past five years
Range 8.8× – 18.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +56.2%
- Earnings per share growth (TTM)
- +42.9%
- Change in P/E multiple
- +7.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 216
- 50-day average slope (20 days)
- +1.5%
- 200-day average slope (20 days)
- +3.7%
- Distance from 50-day average
- -0.2%
- Distance from 200-day average
- +14.2%
- RSI (14)
- 52.5
- Relative volume
- 1.18×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.90
- Correlation with S&P 500
- 0.51
- Current drawdown from 1-year high
- -2.9%
- Maximum drawdown, 3 years
- -28.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 15, 2022 | May 11, 2023 | -44.0% | 186 days | 741 days (Apr 27, 2026) |
| Nov 11, 2021 | May 19, 2022 | -20.6% | 130 days | 59 days (Aug 15, 2022) |
| Jun 8, 2021 | Sep 14, 2021 | -15.5% | 68 days | 36 days (Nov 3, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.66B
- P/E (TTM)
- 16.8
- EPS, diluted (TTM)
- $3.20
- Revenue (TTM)
- $611.3M
- Dividend yield
- 1.49%
- 52-week range
- $32.13 – $55.57
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $290.5M | $377.8M | $576.7M | $616.8M | $598.6M |
| Gross profit | $275.8M | $301.8M | $336.1M | $345.1M | $348.5M |
| Operating income | $132.4M | $107.4M | $105.9M | $97.3M | $98.8M |
| Net income | $108.5M | $87.7M | $83.8M | $76.5M | $75.2M |
| EPS (diluted) | $4.60 | $3.28 | $2.71 | $2.45 | $2.40 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $159.5M | $139.1M | $149.2M | $137.2M | $160.7M | $151.4M | $148.1M | $151.1M |
| Net income | $18.6M | $14.3M | $22.4M | $14.6M | $8.6M | $29.5M | $27.7M | $33.8M |
| EPS (diluted) | $0.60 | $0.46 | $0.71 | $0.47 | $0.27 | $0.95 | $0.89 | $1.09 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $171.5M | $145.6M | $129.9M | $108.5M | $158.9M |
| Capital expenditure | -$5.0M | -$8.5M | -$26.8M | -$22.0M | -$7.9M |
| Free cash flow | $166.5M | $137.2M | $103.1M | $86.4M | $151.1M |
| Dividends paid | -$11.5M | -$15.9M | -$18.6M | -$18.7M | -$18.9M |
| Net share buybacks | -$1.1M | $2.9M | $3.1M | $1.9M | -$14.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $125.0M
- Total assets
- $10.28B
- Total liabilities
- $9.00B
- Total debt
- $136.9M
- Net debt
- $49.6M
- Shareholders’ equity
- $1.28B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.25 | Aug 31, 2026 |
| May 15, 2026 | $0.25 | May 29, 2026 |
| Feb 13, 2026 | $0.15 | Feb 27, 2026 |
| Nov 14, 2025 | $0.15 | Nov 28, 2025 |
| Aug 15, 2025 | $0.15 | Aug 29, 2025 |
| May 15, 2025 | $0.15 | May 30, 2025 |
| Feb 14, 2025 | $0.15 | Feb 28, 2025 |
| Nov 15, 2024 | $0.15 | Nov 29, 2024 |
Short interest
- Shares sold short
- 719,604
- Days to cover
- 5.03
- Change vs previous report
- +2.6%
FINRA short interest, settlement date Sep 15, 2026.