OBK
Financial ServicesOrigin Bancorp, Inc. · Banks - Regional · $1B
What is Origin Bancorp, Inc.?
Origin Bancorp is a Louisiana-based bank holding company serving small and medium-sized businesses, municipalities, and retail clients across Texas, Louisiana, and Mississippi. Its subsidiary, Origin Bank, has deep roots in community banking dating back to 1912.
Origin Bancorp generates revenue primarily through traditional banking activities — accepting deposits and extending loans across commercial real estate, construction, consumer, and residential categories. The company also earns fee income through treasury management services, mortgage origination, and insurance products. Its focus on small and mid-sized business clients in the Gulf South region shapes its lending mix and deposit base.
Origin Bancorp, Inc. was incorporated in 2018 and is headquartered in Ruston, Louisiana.
- Commercial and industrial lending
- Commercial real estate and construction loans
- Treasury management and cash management services
- Personal and commercial insurance products
Is OBK a Good Stock to Buy?
UQS Score rates OBK as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Valuation pillar stands out as Attractive relative to peers, suggesting the market may be pricing in more pessimism than the fundamentals strictly warrant. The Quality pillar registers as Neutral, indicating the bank's core operations are neither a standout strength nor a significant drag.
The Moat, Growth, and Risk pillars all register as Weak — pointing to limited competitive differentiation, constrained expansion prospects, and elevated risk considerations for a regional bank of this size.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does OBK pay dividends?
Yes — Origin Bancorp, Inc. pays a dividend.
Origin Bancorp pays a regular dividend, consistent with many community and regional banks that return capital to shareholders through income distributions. For a small-cap bank, maintaining a dividend signals a degree of earnings stability. Investors focused on income should review the current yield and payout details on Origin Bancorp's investor relations page.
When does OBK report earnings?
Origin Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's recent results reflect the broader pressures facing regional lenders — including net interest margin compression and credit quality monitoring in a shifting rate environment. Growth trends have been modest relative to larger peers.
For the most recent quarter's results and guidance, visit Origin Bancorp's investor relations page directly.
OBK Price History
+11.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Origin Bancorp, Inc.?
Based on Origin Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
OBK Long-term Outlook
With Growth and Risk pillars both rated Weak, the near-term fundamental outlook for OBK carries notable uncertainty. The Attractive Valuation label suggests limited downside may already be reflected in the share price, but a re-rating would likely require improvement in loan growth or credit quality trends. Regional banks in the Gulf South face ongoing competition from larger national lenders.
Growth drivers
- Potential loan growth tied to Gulf South regional economic activity
- Fee income expansion through treasury management and mortgage services
- Deposit franchise stability in core community markets
Key risks
- Weak Moat rating signals limited pricing power versus larger bank competitors
- Elevated Risk pillar reflects credit and interest rate sensitivity typical of community banks
- Small-cap size limits capital flexibility compared to regional or national peers
OBK vs Peers
Origin Bancorp competes with other community and regional bank holding companies, each with distinct geographic footprints and business mixes.
ConnectOne operates primarily in the New York metro market, giving it exposure to a higher-density commercial lending environment than Origin's Gulf South focus.
Republic Bancorp is a Kentucky-based community bank known for its tax refund solutions business, a niche revenue stream that sets it apart from traditional regional lenders.
Westamerica operates in Northern and Central California and is recognized for a conservative, low-cost deposit model that has historically supported above-average efficiency among community banks.
Frequently Asked Questions
What does Origin Bancorp do?
Origin Bancorp is a bank holding company for Origin Bank, providing loans, deposits, treasury management, insurance, and mortgage services to small and medium-sized businesses, municipalities, and retail customers across Texas, Louisiana, and Mississippi.
Does OBK pay dividends?
Yes, Origin Bancorp pays a regular dividend. This is common among community bank holding companies that prioritize returning a portion of earnings to shareholders. Check the company's investor relations page for the current dividend rate and payment schedule.
When does OBK report earnings?
Origin Bancorp reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact schedule and most recent results, refer to the investor relations section of Origin Bancorp's official website.
Is OBK a good stock to buy?
UQS Score rates OBK as Below Average, driven by Weak ratings across the Moat, Growth, and Risk pillars. The Valuation pillar is Attractive, which may interest value-oriented investors, but the overall profile warrants careful consideration. Pro members can view the complete pillar breakdown.
Is OBK overvalued?
Based on the UQS Valuation pillar, OBK is rated Attractive — meaning the current price appears reasonable or even discounted relative to the bank's fundamentals. That said, an attractive valuation alone does not offset weaknesses in other pillars like Growth and Moat.
How does OBK compare to its competitors?
Compared to peers like ConnectOne Bancorp, Republic Bancorp, and Westamerica Bancorporation, Origin Bancorp operates in a distinct Gulf South regional market. Each competitor brings different geographic exposure and business model nuances. UQS Pro members can view side-by-side pillar comparisons.
What is OBK's market cap bracket?
Origin Bancorp is classified as a small-cap company. This places it in a segment of the market that can offer growth potential but also carries higher volatility and liquidity risk compared to large-cap or mega-cap financial institutions.
Who founded Origin Bancorp?
Origin Bank traces its banking history back to 1912, making it one of the longer-standing community banking institutions in the Gulf South. The holding company structure, Origin Bancorp, Inc., was established more recently. Founding details are widely available through the company's official history.
Is OBK a long-term quality investment?
As a long-term quality indicator, OBK's Below Average UQS Score — with Weak ratings on Moat, Growth, and Risk — suggests the bank faces structural challenges that could limit compounding potential over time. The Attractive Valuation may provide a margin of safety, but quality concerns remain central.
What sector does OBK belong to?
Origin Bancorp operates in the Financial Services sector, specifically as a community bank holding company. Regional and community banks like OBK are sensitive to interest rate cycles, credit conditions, and local economic trends in their operating markets.
Unlock Full OBK Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS Score and all five pillar scores for OBK
- ✓Access full financial metrics and trend data
- ✓Compare OBK side-by-side with regional bank peers
- ✓See the complete risk and valuation breakdown
- ✓Get alerts when OBK's UQS Score changes
Pro Analysis
OBK — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 44.7 | 57.7 | 20.0 | 32.3 | 36.4 | 88.8 | +0.6 |
| May 7, 2026 | 44.1 | 55.6 | 20.0 | 32.3 | 36.4 | 88.6 | 0.0 |
| May 3, 2026 | 44.1 | 55.6 | 20.0 | 32.3 | 36.4 | 88.1 | 0.0 |
| Apr 19, 2026 | 44.1 | 55.6 | 20.0 | 32.3 | 36.4 | 88.6 | -0.1 |
| Apr 18, 2026 | 44.2 | 55.6 | 20.0 | 32.3 | 36.4 | 89.1 | -1.2 |
| Apr 14, 2026 | 45.4 | 55.6 | 20.0 | 32.3 | 36.4 | 97.3 | -0.1 |
| Apr 12, 2026 | 45.5 | 55.6 | 20.0 | 32.3 | 36.4 | 97.5 | -0.3 |
| Apr 2, 2026 | 45.8 | 55.6 | 20.0 | 32.3 | 36.4 | 100.0 | — |
OBK — Pillar Breakdown
Quality
— 57.7/100 (25%)Origin Bancorp, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 32.3/100 (20%)Origin Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)Origin Bancorp, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 88.8/100 (15%)Origin Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Origin Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for OBK.
Score Composition
Financial Data
More Stock Analysis
How is the OBK UQS Score Calculated?
The UQS (Unified Quality Score) for Origin Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Origin Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Origin Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.