* Note: Prices are in Million (M) USD.
Description:
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Cash : $114 M
Debt : $211 M
EBITDA : $103 M
Net Debt (Debt - Cash): $98 M
Since Net Debt is covered by EBITDA within 1 year, 3 points assigned.
This criteria used industry in which company operates:
Sector: Financials
Industry: Banks - regional
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Message: Cannot calculate PE Ratio since EPS is either 0 or negative.
Using default values for calculation.
Forward PE Ratio (using default values): 20.00
Since Forward PE Ratio is between 20 - 25, 2 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Using last 9 overlapping fiscal years (max 20).Average Free Cash Flow: $79 M
Average Revenue: $307 M
Revenue Converted To Free Cash Flow (%): 25.9%
Since Free Cash Flow (FCF) to Revenue percentage is greater than 25, 5 points assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $617 M
Revenue 5 Years Ago (2019-12-31): $269 M
Total Growth over 5 Years: 129.0%
5-Year Revenue CAGR (Historical): 18.0%
Forward 5-Year CAGR (Tapered): 12.6%
Since historical Revenue CAGR is between 15 - 20, 4 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $31 M
Share Count 5 Years Ago (2020-12-31): $24 M
Company is not buying back its own shares, 0 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Message: Cannot calculate payout ratio because EPS is either 0 or negative.
Using default values for calculation.
Based on default values, 1 points assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Using last 9 valid ROE years (max 20).Average ROE: 7.7%
Since Average ROE is less than 10, 1 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $36
52-Week Low: $29
Threshold Price (15% Above 52-Week Low): $33
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $1,214 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 2% exposure of Total Portfolio.
Warren Buffett's Owners' Earnings:
Owners' Earnings (FCF/Share) (TTM ending 2025-06-30): $3.48
Owners' Earnings (FCF/Share, latest positive annual) (2024-12-31): $2.77
Note: Many fast-growing companies reinvest heavily, so Owners' Earnings may appear low.
Consider other factors in your valuation.
Value-Trade has assigned 20 points to above Origin Bancorp, Inc. (OBK) stock.
Last 7 Years Avg PE 12.63, Fair Value PE 15, Industry Based PE 13, Growth Based PE 15, RCFC Based PE 25.89, ROE Based PE 7.69, Risk-Free Anchored PE (25% MoS) 17.61. Based on these 7 values, average assigned is 15.26. The fair value of Origin Bancorp, Inc. (OBK) stock cannot be calculated since EBITDA and EPS are either 0 or negative.
