OBK Origin Bancorp, Inc. Common Stock
NYSE · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 5, 2026
$53.62
· of 52w range
· above low
· to high
$32.1352w low
$55.5752w high
Market Cap (MRQ)
$1.65B
P/E
15.7
EPS
$2.40
your badges
52W Range
$32–$56
Analyst Rating
BUY
Price Target
$59
P/E
15.7
ROE
·
Net Profit Margin
·
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OBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$53.62
Market Cap (MRQ)
$1.65B
P/E
15.7
EPS
$2.40
52W Range
$32–$56
OBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.402017-12-31 → 2025-12-31
Free Cash Flow·2018-12-31 → 2024-12-31
Net margin·2018-12-31 → 2024-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | OBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 15.75Y avg ≈13.4 | ≈13.4 | 14.2 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.0 | ≈1.0 | 1.3 | Fair value | |
| Price / FCF (TTM) | 9.45Y avg ≈10.3 | ≈10.3 | · | · | |
| Price / Cash Flow (TTM) | 8.55Y avg ≈8.6 | ≈8.6 | 11.2 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.35Y avg ≈1.2 | ≈1.2 | · | · | |
| PEG Ratio | ≈1.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | OBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 9.9%5Y avg ≈9.1% | ≈9.1% | · | · | |
| Revenue CAGR 3Y | 5.5%5Y avg ≈8.6% | ≈8.6% | · | · | |
| Revenue CAGR 5Y | 8.8% | · | · | · | |
| EPS YoY | -2.0%5Y avg ≈-14.4% | ≈-14.4% | · | · | |
| Net Income YoY | -1.7%5Y avg ≈-8.5% | ≈-8.5% | · | · | |
| EPS CAGR 3Y | -9.9%5Y avg ≈-2.8% | ≈-2.8% | · | · | |
| EPS CAGR 5Y | 9.1% | · | · | · | |
| Net Income CAGR 3Y | -5.0%5Y avg ≈5.4% | ≈5.4% | · | · | |
| Net Income CAGR 5Y | 15.6% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$1.00
5Y Div CAGR≈10.0%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 14, 2026 | $0.25 | USD | ≈1.5% |
| May 15, 2026 | $0.25 | USD | ≈1.5% |
| Feb 13, 2026 | $0.15 | USD | ≈1.4% |
| Nov 14, 2025 | $0.15 | USD | ≈1.7% |
| Aug 15, 2025 | $0.15 | USD | ≈1.6% |
| May 15, 2025 | $0.15 | USD | ≈1.8% |
| Feb 14, 2025 | $0.15 | USD | ≈1.5% |
| Nov 15, 2024 | $0.15 | USD | ≈1.7% |
| Aug 15, 2024 | $0.15 | USD | ≈2.0% |
| May 14, 2024 | $0.15 | USD | ≈1.8% |
| Feb 14, 2024 | $0.15 | USD | ≈2.0% |
| Nov 14, 2023 | $0.15 | USD | ≈1.8% |
| Aug 14, 2023 | $0.15 | USD | ≈1.9% |
| May 12, 2023 | $0.15 | USD | ≈2.3% |
| Feb 14, 2023 | $0.15 | USD | ≈1.5% |
| Nov 15, 2022 | $0.15 | USD | ≈1.4% |
| Aug 16, 2022 | $0.15 | USD | ≈1.2% |
| May 16, 2022 | $0.15 | USD | ≈1.5% |
| Feb 11, 2022 | $0.13 | USD | ≈1.2% |
| Nov 18, 2021 | $0.13 | USD | ≈1.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-10.4%
Next Report
Oct 20, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 21, 2026 | $1.09 | $1.00 | 8.6% |
| March 31, 2026 | $0.89 | $0.91 | -2.1% | |
| Dec. 31, 2025 | $0.95 | $0.86 | 10.2% | |
| Sept. 30, 2025 | $0.50 | $0.85 | -41.2% | |
| June 30, 2025 | $0.47 | $0.78 | -40.0% | |
| March 31, 2025 | $0.71 | $0.69 | 2.2% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $224M | $51M | $25M | $37M | $53M | $35M | $22M | $18M | |
| Interest Income | $538M | $565M | $523M | $327M | $242M | $229M | $227M | $188M | $153M | $139M | |
| Pretax Income | $96M | $97M | $106M | $107M | $132M | $44M | $67M | $62M | $20M | $16M | |
| Income Tax | $20M | $21M | $22M | $20M | $24M | $8M | $13M | $11M | $6M | $3M | |
| Net Income | $75M | $76M | $84M | $88M | $109M | $36M | $54M | $52M | $15M | $13M | |
| EPS (Basic) | $2.42 | $2.46 | $2.72 | $3.29 | $4.63 | $1.56 | $2.30 | $2.21 | $0.51 | $0.46 | |
| EPS (Diluted) | $2.40 | $2.45 | $2.71 | $3.28 | $4.60 | $1.55 | $2.28 | $2.20 | $0.50 | $0.46 | |
| Shares (Basic) | 31,135,865 | 31,077,767 | 30,822,993 | 26,627,476 | 23,431,504 | 23,367,221 | 23,470,746 | 21,995,990 | 19,418,278 | 17,545,655 | |
| Shares (Diluted) | 31,333,463 | 31,201,863 | 30,931,605 | 26,760,592 | 23,608,586 | 23,511,952 | 23,674,065 | 22,194,429 | 19,634,412 | 17,733,061 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $424M | $470M | $280M | $359M | $706M | $377M | $292M | $117M | $187M | $260M | |
| PP&E (Net) | · | · | $119M | $100M | $81M | $82M | $80M | $75M | $77M | · | |
| PP&E (Gross) | · | · | $186M | $160M | $135M | $132M | $127M | $120M | $120M | · | |
| Accum. Depreciation | · | · | $67M | $60M | $54M | $50M | $47M | $45M | $42M | · | |
| Goodwill | $129M | $129M | $129M | $129M | $34M | $27M | $27M | $27M | $22M | · | |
| Intangibles | $33M | $37M | $45M | $50M | $17M | $4M | $5M | $6M | · | · | |
| Total Assets | $9.72B | $9.68B | $9.72B | $9.69B | $7.86B | $7.63B | $5.32B | $4.82B | $4.15B | · | |
| Total Liabilities | $8.48B | $8.53B | $8.66B | $8.74B | $7.13B | $6.98B | $4.73B | $4.27B | $3.70B | · | |
| Common Stock | $155M | $156M | $155M | $154M | $119M | $118M | $117M | $119M | $98M | · | |
| Retained Earnings | $613M | $558M | $500M | $435M | $364M | $267M | $240M | $192M | $145M | · | |
| AOCI | $-54M | $-106M | $-121M | $-160M | $6M | $26M | $6M | $-2M | $1M | · | |
| Stockholders' Equity | $1.25B | $1.15B | $1.06B | $950M | $730M | $647M | $599M | $550M | $420M | $420M | |
| Liabilities + Equity | $9.72B | $9.68B | $9.72B | $9.69B | $7.86B | $7.63B | $5.32B | $4.82B | $4.15B | · | |
| Shares Outstanding | 30,952,428 | 31,197,574 | 30,986,109 | 30,746,600 | 23,746,502 | 23,506,312 | 23,480,945 | 23,726,559 | 19,518,752 | 19,483,718 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $8M | $7M | $5M | $3M | $2M | $2M | $2M | $1M | $1M | $2M | |
| Deferred Tax | $-5M | $-1M | $28M | $18M | $6M | $-12M | $-3M | $6M | $5M | $1M | |
| Amort. of Intangibles | $7M | $8M | $10M | $5M | $844.0K | $1M | $1M | $961.0K | $518.0K | $2M | |
| Operating Cash Flow | $159M | $108M | $130M | $146M | $171M | $887.0K | $62M | $78M | $62M | $55M | |
| CapEx | $8M | $22M | $27M | $8M | $5M | $7M | $11M | $5M | $3M | $8M | |
| Investing Cash Flow | $-114M | $232M | $-130M | $-456M | $13M | $-2.12B | $-291M | $-765M | $-198M | $-155M | |
| Stock Issued | · | · | · | · | · | $0 | $0 | $95M | $0 | $42M | |
| Stock Repurchased | $16M | $0 | $0 | $0 | $1M | $723.0K | $10M | $0 | $0 | · | |
| Net Stock Activity | · | · | $0 | $0 | $-1M | $-723.0K | $-10M | $95M | · | · | |
| Dividends Paid | $19M | $19M | $19M | $16M | $12M | $9M | $6M | $6M | $7M | $6M | |
| Financing Cash Flow | $-91M | $-151M | $-78M | $-36M | $144M | $2.20B | $404M | $617M | $63M | $84M | |
| Net Change in Cash | $-46M | $190M | $-79M | $-347M | $328M | $86M | $175M | $-71M | $-73M | $-16M | |
| Taxes Paid | $34M | $24M | $383.0K | $-6M | $21M | $25M | · | · | · | · | |
| Free Cash Flow | · | $86M | $103M | $137M | $166M | $-6M | $50M | $72M | · | · | |
| Levered FCF | · | · | $-74M | $95M | $146M | $-37M | $7M | $44M | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | · | 21.5% | 23.4% | 26.4% | 39.0% | 14.2% | 24.5% | 26.5% | · | · | |
| Pretax Margin | · | 27.3% | 29.6% | 32.3% | 47.6% | 17.3% | 30.2% | 32.1% | · | · | |
| ROA | · | 0.79% | 0.86% | 0.90% | 1.4% | 0.56% | 1.1% | 1.1% | · | · | |
| ROE | · | 6.7% | 8.1% | 9.4% | 15.1% | 5.7% | 9.1% | 9.5% | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | $36.71 | $34.30 | $30.90 | $30.75 | $27.53 | $25.52 | $23.17 | · | · | |
| Revenue / Share | · | $11.40 | $11.57 | $12.43 | $11.79 | $10.90 | $9.30 | $8.77 | · | · | |
| Cash Flow / Share | · | $3.48 | $4.20 | $5.44 | $7.26 | $0.04 | $2.60 | $3.51 | · | · | |
| Cash / Share | · | $15.07 | $9.05 | $11.68 | $29.71 | $16.05 | $12.42 | $4.92 | · | · | |
| Dividend / Share | $0.60 | $0.60 | $0.60 | $0.58 | $0.49 | $0.38 | $0.25 | $0.13 | $0.13 | $0.13 | |
| EPS (TTM) | $2.40 | $2.45 | $2.71 | $3.28 | $4.60 | $1.55 | $2.28 | $2.20 | · | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.9% | -0.60% | 7.6% | 19.4% | 8.7% | · | · | · | · | · | |
| Revenue CAGR 3Y | 5.5% | 8.5% | 11.8% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 8.8% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | -2.0% | -9.6% | -17.4% | -28.7% | 196.8% | · | · | · | · | · | |
| EPS CAGR 3Y | -9.9% | -18.9% | 20.5% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 9.1% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | -1.7% | -8.7% | -4.5% | -19.2% | 198.6% | · | · | · | · | · | |
| Net Income CAGR 3Y | -5.0% | -11.0% | 32.1% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 15.6% | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 16.3% | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $391M | $356M | $358M | $333M | $278M | $256M | $220M | $195M | · | · | |
| Net Income TTM | $75M | $76M | $84M | $88M | $109M | $36M | $54M | $52M | · | · | |
| Market Cap | · | $1.04B | $1.10B | $1.13B | $1.02B | $653M | $889M | $809M | · | · | |
| P/E | 15.7 | 13.6 | 13.1 | 11.2 | 9.3 | 17.9 | 16.6 | 15.5 | · | · | |
| P/S | · | 2.9 | 3.1 | 3.4 | 3.7 | 2.5 | 4.0 | 4.2 | · | · | |
| P/B | · | 0.9 | 1.0 | 1.2 | 1.4 | 1.0 | 1.5 | 1.5 | · | · | |
| P / Tangible Book | 1.1 | 1.1 | 1.2 | 1.5 | 1.5 | 1.1 | · | · | · | · | |
| P / Cash Flow | · | 9.6 | 8.5 | 7.7 | 5.9 | 735.9 | 14.4 | 10.4 | · | · | |
| P / FCF | · | 12.0 | 10.7 | 8.2 | 6.1 | -103.4 | 17.6 | 11.2 | · | · | |
| Dividend Yield | · | 1.8% | 1.7% | 1.4% | 1.1% | 1.4% | 0.66% | 0.73% | · | · | |
| Earnings Yield | 6.4% | 7.4% | 7.6% | 8.9% | 10.7% | 5.6% | 6.0% | 6.5% | · | · | |
| Payout Ratio | · | 24.5% | 22.2% | 18.1% | 10.6% | 24.3% | 10.9% | 11.5% | · | · | |
| Annual Payout | $19M | $19M | $19M | $16M | $12M | $9M | $6M | $6M | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $65M | · | $61M | $57M | $43M | · | $13M | |
| Interest Income | $136M | $131M | $135M | $136M | $135M | $133M | $140M | $144M | $142M | $139M | $135M | $135M | $132M | $120M | $111M | $91M | |
| Pretax Income | $43M | $35M | $37M | $11M | $19M | $29M | $18M | $24M | $27M | $29M | $18M | $30M | $28M | $31M | $36M | $19M | |
| Income Tax | $9M | $8M | $8M | $2M | $4M | $6M | $4M | $5M | $6M | $6M | $4M | $6M | $6M | $6M | $7M | $3M | |
| Net Income | $34M | $28M | $30M | $9M | $15M | $22M | $14M | $19M | $21M | $23M | $13M | $24M | $22M | $24M | $29M | $16M | |
| EPS (Basic) | $1.10 | $0.89 | $0.95 | $0.28 | $0.47 | $0.72 | $0.45 | $0.60 | $0.68 | $0.73 | $0.43 | $0.79 | $0.71 | $0.79 | $0.95 | $0.57 | |
| EPS (Diluted) | $1.09 | $0.89 | $0.95 | $0.27 | $0.47 | $0.71 | $0.45 | $0.60 | $0.67 | $0.73 | $0.43 | $0.79 | $0.70 | $0.79 | $0.94 | $0.57 | |
| Shares (Basic) | 30,848,905 | 30,942,565 | · | 31,183,092 | 31,192,622 | 31,205,752 | · | 31,130,293 | 31,042,527 | 30,981,333 | · | 30,856,649 | 30,791,397 | 30,742,902 | · | 28,298,984 | |
| Shares (Diluted) | 31,157,927 | 31,203,348 | · | 31,363,571 | 31,327,818 | 31,412,010 | · | 31,239,877 | 31,131,829 | 31,078,910 | · | 30,943,860 | 30,872,834 | 30,882,156 | · | 28,481,619 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $547M | $666M | $424M | $627M | $334M | $486M | $470M | $321M | $288M | $292M | · | $305M | $466M | $825M | · | $300M | |
| PP&E (Net) | · | · | · | · | · | · | · | $127M | $122M | $121M | · | $112M | $106M | $104M | · | $99M | |
| Goodwill | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $129M | $137M | |
| Intangibles | $30M | $32M | $33M | $35M | $36M | $38M | $37M | $39M | $41M | $43M | · | $42M | $45M | $47M | · | $52M | |
| Total Assets | $10.28B | $10.19B | $9.72B | $9.79B | $9.68B | $9.75B | $9.68B | $9.97B | $9.95B | $9.89B | · | $9.73B | $10.17B | $10.36B | · | $9.46B | |
| Total Liabilities | $9.00B | $8.93B | $8.48B | $8.58B | $8.47B | $8.57B | $8.53B | $8.82B | $8.85B | $8.81B | · | $8.73B | $9.17B | $9.37B | · | $8.56B | |
| Common Stock | $154M | $154M | $155M | $155M | $156M | $156M | $156M | $156M | $156M | $155M | · | $155M | $154M | $154M | · | $153M | |
| Retained Earnings | $657M | $634M | $613M | $588M | $585M | $576M | $558M | $548M | $535M | $518M | · | $492M | $472M | $455M | · | $411M | |
| AOCI | $-61M | $-61M | $-54M | $-61M | $-74M | $-90M | $-106M | $-94M | $-127M | $-125M | · | $-173M | $-153M | $-138M | · | $-175M | |
| Stockholders' Equity | $1.28B | $1.26B | $1.25B | $1.21B | $1.21B | $1.18B | $1.15B | $1.15B | $1.10B | $1.08B | $1.06B | $999M | $998M | $993M | $950M | $907M | |
| Liabilities + Equity | $10.28B | $10.19B | $9.72B | $9.79B | $9.68B | $9.75B | $9.68B | $9.97B | $9.95B | $9.89B | · | $9.73B | $10.17B | $10.36B | · | $9.46B | |
| Shares Outstanding | 30,850,397 | 30,879,462 | 30,952,428 | 30,967,768 | 31,224,718 | 31,244,006 | 31,197,574 | 31,167,410 | 31,108,667 | 31,011,304 | 30,986,109 | 30,906,716 | 30,866,205 | 30,780,853 | 30,746,600 | 30,661,734 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $3M | $2M | $2M | $2M | $2M | $2M | $1M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $901.0K | $969.0K | |
| Deferred Tax | $-271.0K | $1M | $-793.0K | $-3M | $-2M | $1M | $-273.0K | $763.0K | $626.0K | $-3M | $13M | $596.0K | $2M | $12M | $7M | $10M | |
| Amort. of Intangibles | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $2M | |
| Operating Cash Flow | $40M | $53M | $43M | $59M | $21M | $36M | $30M | $40M | $12M | $27M | $29M | $25M | $48M | $28M | $52M | $39M | |
| CapEx | $9M | $5M | $4M | $3M | $1M | $753.0K | $5M | $7M | $5M | $4M | $9M | $8M | $3M | $6M | $3M | $1M | |
| Investing Cash Flow | $-215M | $-244M | $-146M | $154M | $-64M | $-58M | $405M | $32M | $-43M | $-162M | $3M | $265M | $-181M | $-217M | $-179M | $483M | |
| Stock Repurchased | $10M | $7M | $2M | $10M | $4M | $0 | $0 | $0 | · | · | · | · | · | · | · | $0 | |
| Net Stock Activity | · | $-7M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid | $8M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | |
| Financing Cash Flow | $55M | $433M | $-100M | $80M | $-109M | $38M | $-285M | $-38M | $27M | $146M | $-57M | $-451M | $-226M | $655M | $186M | $-546M | |
| Net Change in Cash | $-120M | $242M | $-203M | $293M | $-152M | $16M | $149M | $33M | $-3M | $11M | $-25M | $-161M | $-359M | $466M | $59M | $-23M | |
| Taxes Paid | $16M | $-361.0K | $636.0K | $9M | $24M | $1M | $2.0K | $6M | $20M | $-2M | $-100.0K | $8.0K | $471.0K | $4.0K | $-7M | $254.0K | |
| Free Cash Flow | · | $48M | · | · | · | $35M | · | · | · | · | · | · | · | $22M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | · | · | · | $-12M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.5% | 26.6% | · | 7.8% | 17.5% | 23.8% | · | · | · | · | · | 26.4% | 23.9% | 26.0% | · | 17.6% | |
| Pretax Margin | 40.1% | 33.9% | · | 10.0% | 22.4% | 30.3% | · | · | · | · | · | 32.6% | 30.5% | 32.7% | · | 20.7% | |
| ROA | 0.34% | 0.28% | · | 0.09% | 0.15% | 0.23% | · | · | · | · | · | 0.25% | 0.24% | 0.26% | · | 0.19% | |
| ROE | 2.7% | 2.3% | · | 0.73% | 1.3% | 2.0% | · | · | · | · | · | 2.5% | 2.6% | 2.9% | · | 2.0% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | · | · | · | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $41.52 | $40.81 | · | $39.23 | $38.62 | $37.77 | · | · | · | · | · | $32.32 | $32.33 | $32.25 | · | $29.58 | |
| Revenue / Share | $3.45 | $3.33 | · | $3.50 | $2.67 | $2.99 | · | · | · | · | · | $2.98 | $2.95 | $3.03 | · | $3.24 | |
| Cash Flow / Share | · | $1.69 | · | · | · | $1.13 | · | · | · | · | · | · | · | $0.89 | · | · | |
| Cash / Share | $17.72 | $21.57 | · | $20.24 | $10.70 | $15.56 | · | · | · | · | · | $9.88 | $15.10 | $26.81 | · | $9.80 | |
| Dividend / Share | $0.25 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | |
| EPS (TTM) | $3.20 | $2.58 | · | $1.90 | $2.23 | $2.43 | · | $2.79 | $2.89 | $3.01 | · | $3.22 | $3.00 | $3.20 | · | $3.55 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $425M | $401M | · | $365M | $346M | $359M | · | $370M | $370M | $367M | · | $375M | $375M | $358M | · | $305M | |
| Net Income TTM | $100M | $80M | · | $60M | $70M | $76M | · | $87M | $90M | $93M | · | $100M | $92M | $91M | · | $87M | |
| Market Cap | $1.58B | $1.28B | · | $1.07B | $1.12B | $1.08B | · | · | · | · | · | $892M | $904M | $990M | · | $1.18B | |
| P/E | 16.0 | 16.1 | · | 18.2 | 16.0 | 14.3 | · | 11.5 | 11.0 | 10.4 | · | 9.0 | 9.8 | 10.0 | · | 10.8 | |
| P/S | 3.7 | 3.2 | · | 2.9 | 3.2 | 3.0 | · | · | · | · | · | 2.4 | 2.4 | 2.8 | · | 3.9 | |
| P/B | 1.2 | 1.0 | · | 0.9 | 0.9 | 0.9 | · | · | · | · | · | 0.9 | 0.9 | 1.0 | · | 1.3 | |
| P / Tangible Book | 1.4 | 1.2 | · | 1.0 | 1.1 | 1.1 | · | 1.0 | 1.1 | 1.1 | · | 1.1 | 1.1 | 1.2 | · | 1.6 | |
| P / Cash Flow | · | 24.2 | · | · | · | 30.5 | · | · | · | · | · | · | · | 35.9 | · | · | |
| Dividend Yield | 1.4% | 1.5% | · | 1.8% | 1.7% | 1.7% | · | · | · | · | · | 2.1% | 2.0% | 1.8% | · | 1.2% | |
| Earnings Yield | 6.3% | 6.2% | · | 5.5% | 6.2% | 7.0% | · | 8.7% | 9.1% | 9.6% | · | 11.2% | 10.2% | 10.0% | · | 9.2% | |
| Payout Ratio | · | 17.0% | · | · | · | 21.2% | · | · | · | · | · | · | · | 19.0% | · | · | |
| Annual Payout | $22M | $19M | · | $19M | $19M | $19M | · | · | · | · | · | $19M | $18M | $17M | · | $14M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2022-08-01 |
|---|---|---|---|---|---|
| Net Income | $75M | $76M | $84M | $88M | · |
| Diluted EPS | $2.40 | $2.45 | $2.71 | $3.28 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2022-08-01 |
|---|---|---|---|---|---|
| Free Cash Flow | · | $86M | $103M | $137M | · |
Institutional owners (13F) 216 filers · $1.1B total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
216
Value held
$1.1B
New positions
30
Exited positions
14
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 30 (-6 vs prior Q) | 14 (-10 vs prior Q) | 75 (-2 vs prior Q) | 59 (+21 vs prior Q) | +649K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $132,195,646 | 2,584,470 | 11.73% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $75,903,092 | 1,483,911 | 6.74% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $66,688,500 | 1,303,783 | 5.92% | Shares |
| VANGUARD GROUP INC | $65,950,263 | 1,753,530 | 5.85% | Shares |
| STATE STREET CORP | $57,589,055 | 1,125,791 | 5.11% | Shares |
| SILVERCREST ASSET MANAGEMENT GROUP LLC | $53,529,572 | 1,046,519 | 4.75% | Shares |
| GOLDMAN SACHS GROUP INC | $42,027,551 | 821,653 | 3.73% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $38,592,834 | 754,340 | 3.42% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $34,255,155 | 669,700 | 3.04% | Shares |
| ROYCE & ASSOCIATES LP | $34,080,427 | 666,284 | 3.02% | Shares |
| AMERICAN CENTURY COMPANIES INC | $33,403,750 | 653,054 | 2.96% | Shares |
| MILLENNIUM MANAGEMENT LLC | $28,461,753 | 556,437 | 2.53% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $26,515,597 | 518,389 | 2.35% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $21,390,572 | 418,193 | 1.90% | Shares |
| LOOMIS SAYLES & CO L P | $20,190,695 | 394,735 | 1.79% | Shares |
| Bank of New York Mellon Corp | $18,968,031 | 370,832 | 1.68% | Shares |
| Tributary Capital Management, LLC | $17,730,509 | 346,638 | 1.57% | Shares |
| JPMORGAN CHASE & CO | $17,626,359 | 341,641 | 1.56% | Shares |
| Nuveen, LLC | $16,181,302 | 316,350 | 1.44% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $15,638,689 | 305,742 | 1.39% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $14,909,867 | 291,493 | 1.32% | Shares |
| TWO SIGMA INVESTMENTS, LP | $14,297,243 | 279,516 | 1.27% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $14,063,437 | 274,945 | 1.25% | Shares |
| NORTHERN TRUST CORP | $13,594,186 | 265,771 | 1.21% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $12,575,483 | 245,855 | 1.12% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $11,367,218 | 222,233 | 1.01% | Shares |
| Curi Capital, LLC | $10,289,744 | 201,168 | 0.91% | Shares |
| MENDON CAPITAL ADVISORS CORP | $10,230,000 | 200,000 | 0.91% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $9,928,062 | 194,097 | 0.88% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $9,156,720 | 179,017 | 0.81% | Shares |
| AMERIPRISE FINANCIAL INC | $7,937,968 | 155,190 | 0.70% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $7,533,832 | 147,289 | 0.67% | Shares |
| Empowered Funds, LLC | $7,366,163 | 144,011 | 0.65% | Shares |
| Russell Investments Group, Ltd. | $7,278,089 | 142,263 | 0.65% | Shares |
| Trexquant Investment LP | $7,212,917 | 141,015 | 0.64% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $6,552,361 | 128,151 | 0.58% | Shares |
| KING LUTHER CAPITAL MANAGEMENT CORP | $6,320,964 | 123,577 | 0.56% | Shares |
| UBS Group AG | $5,882,045 | 114,996 | 0.52% | Shares |
| GREAT LAKES ADVISORS, LLC | $5,468,600 | 106,913 | 0.49% | Shares |
| Creative Planning | $5,243,335 | 102,509 | 0.47% | Shares |
| MORGAN STANLEY | $5,243,212 | 102,506 | 0.47% | Shares |
| ENVESTNET ASSET MANAGEMENT INC | $4,761,796 | 93,095 | 0.42% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,413,631 | 86,288 | 0.39% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3,957,424 | 77,369 | 0.35% | Shares |
| FRANKLIN RESOURCES INC | $3,742,953 | 73,176 | 0.33% | Shares |
| Point72 Asset Management, L.P. | $3,605,052 | 70,480 | 0.32% | Shares |
| WELLS FARGO & COMPANY/MN | $3,448,530 | 67,420 | 0.31% | Shares |
| BANK OF AMERICA CORP /DE/ | $3,174,933 | 62,071 | 0.28% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $2,904,439 | 70,054 | 0.26% | Shares |
| SEI INVESTMENTS CO | $2,893,712 | 56,573 | 0.26% | Shares |
Company insiders 26 insiders · 8 officers · 17 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Drake D. Mills | Chairman, President and CEO | June 17, 2026 M | 186,302 | 2 | 0 | $40,872 |
| Martin Lance Hall | OBK COO, Origin Bank Pres&CEO | May 20, 2026 M | 32,294 | 1 | 0 | $51,750 |
| Willliam J Wallace IV | Chief Financial Officer | Aug. 19, 2026 M | 19,046 | 2 | 0 | $156,938 |
| Derek Mcgee | Chief Legal Counsel | May 20, 2026 M | 19,910 | 2 | 0 | $33,097 |
| Jim Crotwell | Chief Risk Officer | May 20, 2026 M | 12,644 | 1 | 0 | $102,960 |
| Preston Moore | Chief Credit & Banking Officer | May 20, 2026 M | 56,643 | 2 | 0 | $257,005 |
| Stephen H Brolly | Chief Accounting Officer | May 20, 2026 M | 23,727 | 3 | 0 | $34,691 |
| Cary Stephen Davis | Executive Risk Officer | Dec. 22, 2020 F | 54,434 | 0 | 0 | $0 |
| Meryl Kennedy Farr | Director | Aug. 20, 2026 M | 3,205 | 0 | 1 | $-86,908 |
| Cecil W. Jones | Director | Aug. 7, 2026 P | 17,647 | 2 | 0 | $494,317 |
| Michael Aubrey Jones | Director | Aug. 5, 2026 G | 210,674 | 0 | 0 | $0 |
| James E. Davison, Jr. | Director | May 21, 2026 J | 97,572 | 0 | 0 | $0 |
| Andrea La'Verne Edney | Director | April 28, 2026 A | 7,629 | 0 | 0 | $0 |
| Richard J. Gallot Jr. | Director | April 28, 2026 A | 10,761 | 0 | 0 | $0 |
| Gary E. Luffey | Director | April 28, 2026 A | 161,780 | 2 | 0 | $17,390 |
| Daniel Chu | Director | May 20, 2025 A | 5,459 | 0 | 0 | $0 |
| Lori Sirman | Director | Feb. 20, 2025 A | 86,683 | 0 | 0 | $0 |
| Jay Dyer | Director | May 20, 2024 A | 49,525 | 0 | 0 | $0 |
| Steven Lewis Taylor | Director | May 20, 2024 A | 55,881 | 0 | 0 | $0 |
| Elizabeth E. Solender | Director | May 20, 2024 A | 11,669 | 0 | 0 | $0 |
| Farrell J. Malone | Director | May 20, 2024 A | 11,367 | 0 | 0 | $0 |
| Fred Ronnie Myrick | Director | Feb. 19, 2021 A | 99,160 | 0 | 0 | $0 |
| George M. Snellings IV | Director | May 20, 2020 A | 18,311 | 0 | 0 | $0 |
| John Marshall Buske | Director | Nov. 13, 2018 A | 30,180 | 0 | 0 | $0 |
| James Samuel Dagostino Jr | · | April 28, 2026 A | 49,079 | 1 | 0 | $33,930 |
| Stacey W Goff | · | April 28, 2026 A | 9,914 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 41 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| MYLD · Cambria ETF Trust | 1.02% | 6,343 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.39% | 103,121 SH | Sept. 11, 2026 | Daily |
| HAPS · Harbor ETF Trust | 0.29% | 8,963 NS | July 31, 2026 | N-PORT |
| DPST · Direxion Shares ETF Trust | 0.20% | 15,701 NS | July 31, 2026 | N-PORT |
| FYX · First Trust Exchange-Traded AlphaDE… | 0.14% | 34,109 NS | July 31, 2026 | N-PORT |
| FYT · First Trust Exchange-Traded AlphaDE… | 0.13% | 4,585 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.10% | 151,255 NS | July 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.09% | 14,572 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.09% | 24,892 SH | Aug. 19, 2026 | Daily |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0.06% | 7,901 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.06% | 159,849 NS | July 31, 2026 | N-PORT |
| VFMF · VANGUARD WELLINGTON FUND | 0.06% | 7,854 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.06% | 2,819 SH | Oct. 1, 2026 | Daily |
| IWM · iShares Trust | 0.05% | 778,270 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.05% | 14,412 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.05% | 173,581 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.05% | 25,391 SH | Oct. 1, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.04% | 101,136 NS | July 31, 2026 | N-PORT |
| FAB · First Trust Exchange-Traded AlphaDE… | 0.03% | 793 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.02% | 333,532 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.02% | 45,184 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.02% | 7,323 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.02% | 1,835 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.01% | 1,243 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.01% | 77,400 NS | July 31, 2026 | N-PORT |
| TILT · FlexShares Trust | 0.01% | 2,528 NS | July 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.01% | 15,708 SH | Sept. 11, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.01% | 3,502 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,701 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 7,912 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 9,701 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 45,934 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 8,968 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 7,221 SH | Sept. 11, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 939,805 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,768 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,534 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 271,336 SH | Sept. 11, 2026 | Daily |
| SVAL · iShares Trust | · | 12,982 SH | Sept. 3, 2026 | Daily |
| ISCB · iShares Trust | · | 1,287 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 6,676 SH | Sept. 11, 2026 | Daily |
OBK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$60.00
+11.9%
2 22.2%
Strong Buy
5 55.6%
Buy
2 22.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
5 analysts · 2026-09-30Mean target $58.80 +9.7%
← Below all targets
Current price $53.62
Low$56.00
Mean$58.80
High$62.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| OBK | · | 15.7 | 9.9% | · | · | · |
| LOB | · | 15.4 | 18.3% | 18.3% | 9.4% | · |
| BFC | $1.20B | 16.8 | 10.4% | 41.1% | 11.4% | · |
| TCBK | $1.53B | 12.8 | 4.1% | 227.5% | 9.4% | · |
| OCFC | $1.03B | 15.3 | 5.4% | 17.5% | 4.2% | · |
| QCRH | $1.39B | 11.1 | 46.3% | 34.4% | 11.8% | · |
| RBCAA | · | · | 8.5% | 31.4% | 12.2% | · |
| CNOB | · | · | · | · | · | · |
| CASH | · | 9.4 | 5.3% | 22.1% | 22.1% | · |
| TFIN | $1.49B | 67.3 | 5.6% | 5.8% | 2.7% | · |
| LKFN | $1.44B | 14.2 | 6.1% | 38.4% | 14.3% | · |
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Source: SEC 10-Q filed Aug 5, 2026