Origin Bancorp, Inc. (OBK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Origin Bancorp, Inc. stock $30.75, price $53.24, that is 42.2% below the price, quality 56 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Origin Bancorp, Inc.
OBK · USOur calculation puts a fair price 42% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $24.72 – $56.64 · fair‑value band $27.57 – $35.16 · the $53.24 price screens above the $30.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
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, and retail clients in Texas, Louisiana, Alabama, and Mississippi.
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It provides 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, and residential mortgage loans.
The company offers personal and commercial property, and casualty insurance products; and internet banking and voice response information, mobile applications, cash management, business credit cards, overdraft protection, direct deposit, safe deposit boxes, automatic account transfers, peer-to-peer electronic pay solutions, and personal financial management solutions; and mobile and online banking, treasury management, mortgage origination and servicing facilities, commercial and consumer loans, and insurance services.
The company was founded in 1991 and is headquartered in Ruston, Louisiana.
Stock analysis
Origin Bancorp, Inc. (OBK) currently trades at $53.24, while our model-based Fair Value estimate is $30.75, 42% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $36.76 per share, and 0 of the 6 models we run sit above the $53.24 price.
Bear case: the Dividend Discount group reads lowest at $8.72, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $27.57 (bear) to $35.16 (bull), the price of $53.24 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Origin Bancorp, Inc. reported revenue of $599M in FY2025 versus $290M in FY2021, a compound +19.8%/yr. Reported net income was $75.2M in FY2025, compounding −8.8%/yr from FY2021.
Key figures
Market cap $1.7B Small · P/E ratio 16.7 · P/S ratio 4.40 · EPS (TTM) $3.18 · Dividend yield 1.3% · Net margin 26.4% · Return on equity 8.0% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (medium confidence).
What moves the price
The share trades about 6% below its 52-week high and 61% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −42%, OBK screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $199,282, on Aug 7, 2026.
- BuyCecil W. JonesDirector3,700 shares at $53.86$199,282Aug 7, 2026
- SaleMeryl Kennedy FarrDirector2,265 shares at $38.37$86,908Dec 26, 2025
Plus 14 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
OBK screens overvalued: fair value 42% below the price. Compare with China Merchants Bank Co →
Compare Origin Bancorp, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Quality Score by industry
- Return on equity by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs OBK |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs OBK |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs OBK |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs OBK |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs OBK |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs OBK |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs OBK |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs OBK |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs OBK |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs OBK |
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Frequently asked questions
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Key figures of Origin Bancorp, Inc.
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