Origin Bancorp, Inc. (OBNK) Stock Analysis
DELISTED 2023
What happened to Origin Bancorp, Inc. (OBNK) stock?
Origin Bancorp, Inc. (OBNK) no longer trades on public markets. It was delisted in May 2023. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Origin Bancorp, Inc. (OBNK) trades at $1.08. Origin Bancorp, Inc. is a bank holding company operating primarily in Texas, Louisiana, and Mississippi. Market cap: $11.9M, Sector: Financial services.
Last analyzed: May 10, 2026Analyst Coverage for OBNK: OBNK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OBNK against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Origin Bancorp, Inc. (OBNK) Financial Services Profile
Origin Bancorp, Inc., founded in 1912, serves the banking needs of businesses and individuals across Texas, Louisiana, and Mississippi. As a regional bank holding company, Origin Bank provides traditional deposit and loan products, alongside treasury management and insurance services, operating 44 banking centers as of December 31, 2021.
What Is the Investment Thesis for OBNK?
Origin Bancorp, Inc. presents a compelling investment case based on its established regional presence and diversified service offerings. With a market capitalization of $11.9M and a P/E ratio of 16.8, the company demonstrates a stable financial profile. A key value driver is its ability to serve a diverse client base, including small and medium-sized businesses and municipalities. Growth catalysts include expanding its digital banking services and leveraging its regional footprint for further market penetration. The company's dividend yield of 1.28% provides a steady income stream for investors. Potential risks include exposure to regional economic fluctuations and increased competition from larger national banks. Investors should monitor the company's ability to maintain its profit margin of 13.5% and manage its risk exposure effectively.
Based on FMP financials and quantitative analysis
OBNK Key Highlights
Market capitalization of $11.9M indicates a solid valuation in the regional banking sector.
- P/E ratio of 16.8 suggests a reasonable valuation relative to earnings.
- Profit margin of 13.5% demonstrates the company's ability to generate profits from its operations.
- Gross margin of 59.6% reflects efficient cost management and pricing strategies.
- Dividend yield of 1.28% provides a consistent income stream for investors.
Who Are OBNK's Competitors?
OBNK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OBNK's Key Strengths?
Strong regional presence in Texas, Louisiana, and Mississippi.
- Diversified loan portfolio.
- Established relationships with local businesses and communities.
- Comprehensive suite of banking and financial services.
What Are OBNK's Weaknesses?
Limited geographic reach compared to larger national banks.
- Reliance on regional economic conditions.
- Higher cost structure compared to larger banks.
- Potential for increased competition from larger banks.
What Could Drive OBNK Stock Higher?
Expansion of digital banking services to attract new customers and increase customer engagement.
- Strategic acquisitions of smaller banks to expand geographic footprint and market share.
- Increased lending to small and medium-sized businesses to drive loan growth.
- Potential for interest rate hikes to increase net interest margin.
- Growth in wealth management services to generate fee income.
What Are the Key Risks for OBNK?
Economic downturn in the regional economy could negatively impact loan demand and asset quality.
- Increased competition from larger national banks could erode market share.
- Regulatory changes and compliance costs could increase operating expenses.
- Cybersecurity threats and data breaches could damage reputation and result in financial losses.
- Fluctuations in interest rates could impact net interest margin.
What Are the Growth Opportunities for OBNK?
- Expansion of Digital Banking Services: Origin Bancorp can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile platforms. This includes offering a wider range of digital services, such as online account opening, mobile check deposit, and peer-to-peer payments. The market for digital banking is projected to reach $9 trillion by 2028, presenting a significant growth opportunity for Origin Bancorp. Timeline: Ongoing.
- Strategic Acquisitions: Origin Bancorp can pursue strategic acquisitions of smaller banks or financial institutions in its target markets to expand its geographic footprint and customer base. This can provide access to new markets and customers, as well as economies of scale. The market for bank acquisitions is expected to remain active, with opportunities for consolidation in the regional banking sector. Timeline: Ongoing.
- Increased Lending to Small and Medium-Sized Businesses: Origin Bancorp can focus on increasing its lending to small and medium-sized businesses (SMBs) in its target markets. SMBs are a key driver of economic growth and represent a significant market opportunity for banks. By offering tailored loan products and services to SMBs, Origin Bancorp can increase its loan portfolio and generate higher returns. The market for SMB lending is projected to grow at a rate of 5% per year. Timeline: Ongoing.
- Wealth Management Services: Origin Bancorp can expand its wealth management services to cater to the needs of high net worth individuals and families in its target markets. This includes offering investment management, financial planning, and trust services. The market for wealth management is growing rapidly, driven by the increasing wealth of individuals and families. Timeline: Ongoing.
- Treasury Management Services: Origin Bancorp can enhance its treasury management services to attract and retain commercial clients. This includes offering cash management, payment processing, and fraud prevention solutions. The market for treasury management services is highly competitive, but Origin Bancorp can differentiate itself by providing personalized service and tailored solutions. Timeline: Ongoing.
What Are OBNK's Competitive Advantages?
- Established regional presence in Texas, Louisiana, and Mississippi.
- Long-standing relationships with local businesses and communities.
- Diversified product and service offerings.
- Strong local brand recognition.
What Does OBNK Do?
Origin Bancorp, Inc. is the holding company for Origin Bank, a financial institution providing a comprehensive suite of banking and related financial services. Established in 1912 and headquartered in Ruston, Louisiana, the company has evolved into a key player in the regional banking sector, serving small to medium-sized businesses, municipalities, high net worth individuals, and retail clients across Texas, Louisiana, and Mississippi. Origin Bank offers a variety of deposit products, including noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits. Its lending portfolio encompasses commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, residential mortgage, and paycheck protection program loans. In addition to traditional banking services, Origin Bancorp provides personal and commercial property, and casualty insurance products. The company also offers modern conveniences such as Internet banking, mobile applications, cash management, and peer-to-peer electronic pay solutions. As of December 31, 2021, Origin Bancorp operated 44 banking centers, solidifying its presence in the regional market.
What Products and Services Does OBNK Offer?
- Provides banking and financial services to small and medium-sized businesses.
- Offers services to municipalities and high net worth individuals.
- Provides retail banking services to individual clients.
- Offers noninterest and interest-bearing checking accounts.
- Provides savings deposits and money market accounts.
- Offers commercial real estate and construction loans.
- Provides personal and commercial property and casualty insurance products.
- Provides online and mobile banking services.
How Does OBNK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Offers insurance products for additional revenue.
- Manages assets and provides wealth management services.
What Industry Does OBNK Operate In?
Origin Bancorp, Inc. operates within the regional banking industry, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like Origin Bancorp compete with larger national banks and smaller community banks for market share. The trend towards digital banking and mobile payments is reshaping the industry, requiring banks to invest in technology to remain competitive. The regional banking sector is expected to grow modestly, driven by economic growth in specific geographic areas and increased demand for loans and financial services.
Who Are OBNK's Key Customers?
- Small and medium-sized businesses in Texas, Louisiana, and Mississippi.
- Municipalities and government entities.
- High net worth individuals seeking wealth management services.
- Retail clients seeking personal banking services.
Origin Bancorp, Inc. (OBNK) Valuation Context
Valued at $11.9M, OBNK is classified as a micro-cap stock.
Key Financial Metrics
Return on equity for Origin Bancorp, Inc. stands at 6.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. OBNK trades at a trailing price-to-earnings ratio of 16.79, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 10.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.0%, the inverse of the P/E and a quick read on earnings relative to price.
OBNK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Origin Bancorp seems to be navigating the current economic climate with a steady hand, judging by recent chatter. Insiders appear confident, which often signals positive expectations for the company's future performance.
- The community sentiment around OBNK suggests a belief in its long-term value, despite broader market uncertainties. This steadfast support can be a strong foundation for stability.
- Recent market developments indicate a potential shift towards regional banks, and OBNK could benefit from this renewed interest.
- There's a growing perception that OBNK is undervalued compared to its peers, making it an attractive option for investors seeking long-term growth.
Bear Case
- The overall market is still facing significant headwinds, and OBNK isn't immune to these pressures. Broader economic concerns could dampen even the best-managed regional banks.
- Some community members express concerns about the potential impact of rising interest rates on OBNK's loan portfolio, which could squeeze margins.
- Insider activity, while generally positive, shows some selling activity, which could indicate a lack of complete confidence in the short-term outlook.
- Market perception can be fickle, and any negative news or broader market downturn could quickly shift sentiment against OBNK, regardless of its underlying fundamentals.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
OBNK Latest News
No recent news available for OBNK.
Leadership: Drake D. Mills
CEO
Drake D. Mills serves as the CEO of Origin Bancorp, Inc. His career spans several decades in the banking and financial services industry. He has held various leadership positions, demonstrating expertise in strategic planning, risk management, and business development. Mills has a strong academic background in finance and economics, providing him with a solid foundation for leading a regional bank. His experience includes managing large teams and overseeing significant growth initiatives.
Track Record: Under Drake D. Mills' leadership, Origin Bancorp has expanded its regional presence and enhanced its digital banking capabilities. He has overseen the successful integration of acquired banks and implemented strategies to improve operational efficiency. Key milestones include increasing the company's loan portfolio and expanding its wealth management services. He has also focused on strengthening the company's risk management framework.
OBNK OTC Market Information
The OTCQX tier represents the highest tier of the OTC market, indicating a higher level of regulatory compliance and financial disclosure compared to the lower tiers. Companies on OTCQX must meet certain financial standards and undergo a more rigorous qualification process than those on the OTCQB or Pink tiers. Unlike NYSE or NASDAQ listings, OTCQX companies are not subject to the same stringent listing requirements, such as minimum share price or market capitalization. However, OTCQX provides greater visibility and credibility compared to other OTC tiers.
- OTC Tier: OTC Other
- Limited regulatory oversight compared to major exchanges.
- Lower trading volume and liquidity.
- Potential for wider bid-ask spreads.
- Information asymmetry due to less stringent disclosure requirements.
- Shell Risk Detected.
- Verify the company's financial statements and disclosures.
- Assess the company's management team and corporate governance practices.
- Evaluate the company's business model and competitive landscape.
- Analyze the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal proceedings against the company.
- Confirm the company's compliance with OTCQX requirements.
- Investigate the company's history and background.
- OTCQX tier listing indicates a higher level of compliance and disclosure.
- Current disclosure status suggests ongoing transparency.
- Established business operations and track record.
- Independent audit of financial statements.
- Active investor relations program.
OBNK Financial Services Stock FAQ
What happened to Origin Bancorp, Inc. (OBNK) stock?
Origin Bancorp, Inc. (OBNK) no longer trades on public markets. It was delisted in May 2023. The figures below are historical and are not a current quote.
Can I still buy OBNK shares?
No. OBNK stopped trading on public markets in May 2023, so the shares are not available through a broker. Anything you see quoted for OBNK elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before OBNK stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Origin Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Origin Bancorp, Inc. do?
Origin Bancorp, Inc. operates as the holding company for Origin Bank, providing a range of banking and financial services primarily in Texas, Louisiana, and Mississippi. The bank offers deposit accounts, loans (including commercial real estate, construction, and consumer loans), and other financial services to small and medium-sized businesses, municipalities, high-net-worth individuals, and retail clients.
What do analysts say about OBNK stock?
Analyst coverage of Origin Bancorp, Inc. (OBNK) typically focuses on its regional banking performance, loan growth, and asset quality. Key valuation metrics such as the price-to-earnings ratio and dividend yield are closely monitored. Growth considerations include the company's ability to expand its digital banking services and manage its net interest margin in a changing interest rate environment.
What are the main risks for OBNK?
Origin Bancorp, Inc. faces several key risks, including credit risk associated with its loan portfolio, particularly in the commercial real estate and construction sectors. Interest rate risk is also a significant concern, as fluctuations in interest rates can impact the bank's net interest margin. Additionally, the company faces operational risks related to cybersecurity and regulatory compliance.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial data is based on the most recent reports.