Origin Bancorp, Inc.

OBK

OBKOrigin Bancorp, Inc. US flag

New York Stock Exchange

51.80

USD

+0.04

- -

1.60BMarket Cap

Income Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	159	155	191	216	250	265	326	352	352	389
+ Sales & Services Revenue	159	155	191	216	250	265	326	352	352	389
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	66	74	85	93	95	96	123	145	155	156
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-66	-74	-85	-93	-95	-96	-123	-145	-155	-156
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-16	-20	-62	-67	-44	-132	-107	-106	-97	-96
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-16	-20	-62	-67	-44	-132	-107	-106	-97	-96
Pretax Income	16	20	62	67	44	132	107	106	97	96
- Income Tax Expense (Benefit)	3	6	11	13	8	24	20	22	21	20
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	13	15	52	54	36	109	88	84	76	75
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	13	15	52	54	36	109	88	84	76	75
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	13	15	52	54	36	109	88	84	76	75
- Preferred Dividends	4	4	2	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	8	10	50	54	36	109	88	84	76	75
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	8	6	6	7	7	7	12	18	17	17
EBITDA Margin (%)	4.95	3.78	3.08	3.1	2.75	2.58	3.77	5	4.77	4.32
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	8.1	9.49	27.04	24.94	14.55	40.95	26.87	23.78	21.73	19.33
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.26	0.32	0.27	0.25	0.38	0.49	0.6	0.6	0.6	0.61
Depreciation Expense	8	6	6	7	7	7	12	18	17	17
Basic Weighted Avg Shares	22	22	22	23	23	23	27	31	31	31
Basic EPS, GAAP	0.38	0.46	2.26	2.3	1.56	4.63	3.29	2.72	2.46	2.42
Basic EPS from Cont Ops	0.58	0.67	2.35	2.3	1.56	4.63	3.29	2.72	2.46	2.42
Diluted Weighted Avg Shares	22	22	22	24	24	24	27	31	31	31
Diluted EPS, GAAP	0.38	0.46	2.24	2.28	1.55	4.6	3.28	2.71	2.45	2.4
Diluted EPS from Cont Ops	0.58	0.67	2.33	2.28	1.55	4.6	3.28	2.71	2.45	2.4

Balance Sheet (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	635	592	692	793	1,382	2,210	2,000	1,534	1,573	1,196
+ Cash & Cash Equivalents	260	187	117	292	377	706	359	280	470	424
+ ST Investments	376	405	576	501	1,005	1,505	1,641	1,254	1,103	772
+ Accounts & Notes Receiv	68	84	84	111	141	142	209	- -	- -	- -
+ Accounts Receivable, Net	68	84	84	111	141	142	209	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-703	-676	-776	-904	-1,523	-2,352	-2,210	-1,534	-1,573	-1,196
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	87	77	75	80	82	81	100	119	127	124
+ Property, Plant & Equip	130	120	120	127	132	135	160	186	199	202
- Accumulated Depreciation	43	42	45	47	50	54	60	67	72	77
+ LT Investments & Receivables	409	437	606	541	1,054	1,535	1,659	1,272	1,211	1,233
+ LT Investments	409	437	606	541	1,054	1,535	1,659	1,272	1,211	1,233
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-495	-514	-681	-622	-1,136	-1,616	-1,759	-1,391	-1,337	-1,357
+ Total Intangible Assets	54	49	58	52	44	68	199	190	166	162
+ Goodwill	22	22	27	27	27	34	129	129	129	129
+ Other Intangible Assets	32	26	31	25	17	33	71	61	37	33
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-550	-563	-739	-674	-1,180	-1,683	-1,959	-1,581	-1,504	-1,519
Total Assets	4,071	4,154	4,822	5,325	7,628	7,861	9,686	9,723	9,679	9,725
+ Payables & Accruals	60	33	34	70	88	93	119	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	60	33	34	70	88	93	119	- -	- -	- -
+ ST Debt	- -	- -	- -	100	650	- -	580	70	- -	- -
+ ST Borrowings	- -	- -	- -	100	650	- -	580	70	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-60	-33	-34	-170	-738	-93	-699	-70	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-60	-33	-34	-170	-738	-93	-699	-70	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	120	154	455	282	428	414	209	201	166	22
+ LT Borrowings	120	154	455	282	428	414	209	201	166	22
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-120	-154	-455	-282	-428	-414	-209	-201	-166	-22
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-120	-154	-455	-282	-428	-414	-209	-201	-166	-22
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	3,651	3,734	4,272	4,725	6,981	7,131	8,736	8,660	8,533	8,478
+ Preferred Equity and Hybrid Capital	65	65	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	242	244	361	353	355	361	674	684	693	688
+ Common Stock	97	98	119	117	118	119	154	155	156	155
+ Additional Paid in Capital	145	146	242	236	237	242	521	529	537	534
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	137	145	192	240	267	364	435	500	558	613
+ Other Equity	3	1	-2	6	26	6	-160	-121	-106	-54
Equity Before Minority Interest	420	420	550	599	647	730	950	1,063	1,145	1,247
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	420	420	550	599	647	730	950	1,063	1,145	1,247
Total Liabilities & Equity	4,071	4,154	4,822	5,325	7,628	7,861	9,686	9,723	9,679	9,725
Shares Outstanding	22	22	24	23	24	24	31	31	31	31
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-140	-33	338	91	701	-291	430	-10	-304	-402
Net Debt to Equity	-33.31	-7.9	61.51	15.15	108.27	-39.88	45.22	-0.91	-26.55	-32.23
Tangible Common Equity Ratio	7.48	7.47	10.32	10.38	7.95	8.5	7.91	9.16	10.29	11.34
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	13	15	52	54	36	109	88	84	76	75
+ Depreciation & Amortization	8	6	6	7	7	7	12	18	17	17
+ Non-Cash Items	35	42	21	2	-41	51	50	28	12	70
+ Stock-Based Compensation	2	1	1	2	2	2	3	5	7	8
+ Deferred Income Taxes	1	5	6	-3	-12	6	18	28	-1	-5
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	32	36	14	2	-32	42	28	-5	6	66
+ Chg in Non-Cash Work Cap	-1	-1	-1	-1	-1	5	-4	- -	3	-3
+ (Inc) Dec in Accts Receiv	- -	-10	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	9	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-1	- -	-1	-1	-1	5	-4	- -	3	-3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	55	62	78	62	1	171	146	130	108	159
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	4	- -	- -	- -	- -	- -	- -	6	- -
+ Disp of Fixed Prod Assets	- -	4	- -	- -	- -	- -	- -	- -	6	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-8	-3	-5	-11	-7	-5	-8	-27	-22	-10
+ Acq of Fixed Prod Assets	-8	-3	-5	-11	-7	-5	-8	-27	-22	-8
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2
+ Cash (Repurchase) of Equity	42	- -	95	-10	-1	-1	- -	- -	- -	-16
+ Increase in Capital Stock	42	- -	95	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-10	-1	-1	- -	- -	- -	-16
+ Net Change in LT Investment	-28	-38	-196	81	-515	-491	89	441	130	30
+ Dec in LT Investment	442	410	301	187	218	228	678	456	412	884
+ Inc in LT Investment	-470	-448	-497	-106	-733	-719	-589	-14	-282	-853
+ Net Cash From Acq & Div	4	1	-6	1	1	-7	70	- -	- -	- -
+ Cash from Divestitures	4	1	- -	1	1	- -	70	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	-7	- -	- -	-7	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-122	-162	-557	-361	-1,594	516	-606	-545	119	-134
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-155	-198	-765	-291	-2,116	13	-456	-130	232	-114
+ Dividends Paid	-6	-7	-6	-6	-9	-12	-16	-19	-19	-19
+ Net Cash From Debt	-5	-1	300	-2	695	-664	330	-518	-105	-149
+ Cash From Debt	3	- -	918	2,915	2,574	5,726	10,055	6,065	1,685	1,557
+ Repayments of Debt	-8	-1	-618	-2,917	-1,878	-6,390	-9,725	-6,583	-1,790	-1,705
+ Other Financing Activities	53	71	228	422	1,515	821	-350	458	-27	92
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	84	63	617	404	2,201	144	-36	-78	-151	-91
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-16	-73	-71	175	86	328	-347	-79	190	-46
EBITDA	8	6	6	7	7	7	12	18	17	17
EBITDA Margin (%)	4.95	3.78	3.08	3.1	2.75	2.58	3.77	5	4.77	4.32
Free Cash Flow	47	59	72	50	-6	166	137	103	86	149
Net Cash Paid for Acquisitions	-4	-1	6	-1	-1	7	-70	- -	- -	- -
Free Cash Flow to Firm	47	59	72	50	-6	166	137	103	86	149
Free Cash Flow to Equity	- -	58	305	49	689	-497	467	-414	-13	3
Free Cash Flow per Basic Share	2.12	2.68	3.29	2.15	-0.27	7.1	5.15	3.34	2.78	4.77
Price/Free Cash Flow	- -	- -	9.08	12.32	80.75	5.74	6.37	7.02	7.96	6.96
Cash Flow to Net Income	4.25	4.23	1.51	1.14	0.02	1.58	1.66	1.55	1.42	2.11
Capital Expenditures	-8	-3	-5	-11	-7	-5	-8	-27	-22	-10