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Origin Bancorp

OBK
59
Banks - Regional · Financial Services
Exchange
New York Stock Exchange
Winston Score
59
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Good
Capital Strength
Exceptional
Asset Quality
Good
Valuation
Good
Dividends
Good
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Winston Score History

The full picture

Origin Bancorp is a regional bank headquartered in Ruston, Louisiana. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals, small businesses, and mid-sized companies. The bank operates primarily across Louisiana, Mississippi, and Texas, serving communities that larger national banks often overlook.

Origin makes money by collecting interest on loans and charging fees for banking services. With roughly $10 billion in total assets, it is a mid-sized community bank competing on local relationships and personalized service rather than scale. Its main competitive edge comes from deep ties to the communities it serves, which helps it attract and keep customers. The key risk is that rising interest rates or a slowdown in the regional economy — particularly in energy-dependent Louisiana — could increase loan defaults and pressure profit margins.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+10.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+134.0% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

6.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$125M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Origin Bancorp is a rare growth stock that's already generating positive cash flow while growing at 10%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
9.2%
no trend
Below its cost of capital — 9.2%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.77%
no trend
Wide spread — 3.77% net interest margin
Cost of running the bank
Efficiency Ratio
57.8%
no trend
Efficient — 57.8% efficiency ratio

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Growth

Sales growth
Sales YoY
+4.5%
Slow sales growth (+4.5% YoY)
Profit growth
EPS YoY
+43.6%
Earnings growing fast (+43.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Capital Strength

Safety cushion
Capital Ratio
12.8%
no trend
Fortress balance sheet — 12.8% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
1.11%
no trend
Some stress — 1.11% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Loans written off
Net Charge-Offs
0.14%
no trend
Minimal losses — 0.14% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
16.4x
no trend
Fair value — P/E 16.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+2.9
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
1.28%
no trend
Small dividend — 1.28% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+33.3%
no trend
Dividend growing fast (33.3% YoY)

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