Origin Bancorp, Inc. Financial Ratios — OBK Stock

Profitability (USD)

	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

Return on Common Equity (%)	- -	2.88	10.98	9.38	5.83	15.76	10.44	8.33	6.93	6.29
Return on Assets (%)	- -	0.36	1.15	1.06	0.56	1.4	1	0.86	0.79	0.78
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.95	3.78	3.08	3.1	2.75	2.58	3.77	5	4.77	4.32
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	9.94	13.25	32.72	30.81	17.76	49.96	32.91	30.05	27.63	24.59
Profit Margin (%)	8.1	9.49	27.04	24.94	14.55	40.95	26.87	23.78	21.73	19.33
Net Income to Common Margin (%)	5.33	6.6	26.03	24.94	14.55	40.95	26.87	23.78	21.73	19.33
Effective Tax Rate (%)	18.5	28.38	17.36	19.03	18.03	18.04	18.36	20.89	21.35	21.38
Dvd Payout Ratio (%)	16.16	24.83	8.09	10.88	24.35	10.62	18.11	22.16	24.51	25.1
Sustainable Growth Rate (%)	- -	2.16	10.09	8.36	4.41	14.09	8.55	6.48	5.23	4.71

Credit (USD)

Credit Ratios 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 Debt	120	154	455	382	1,078	414	789	271	166	22
ST Debt	- -	- -	- -	100	650	- -	580	70	- -	- -
LT Debt	120	154	455	282	428	414	209	201	166	22
Total Debt/EBITDA	15.28	26.31	77.5	57.01	156.67	60.68	64.08	15.36	9.89	1.34
Net Debt/EBITDA	-17.83	-5.68	57.62	13.54	101.84	-42.64	34.91	-0.55	-18.1	-23.9
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.72	8.55	11.4	11.25	8.48	9.29	9.81	10.93	11.83	12.82
Long-Term Debt/Equity (%)	28.55	36.63	82.74	47.11	66.12	56.75	21.95	18.89	14.51	1.8
Long-Term Debt/Capital (%)	22.21	26.81	45.28	28.76	24.8	36.21	11.99	15.05	12.67	1.77
Long-Term Debt/Total Assets (%)	2.95	3.71	9.43	5.3	5.61	5.27	2.15	2.06	1.72	0.23
Total Debt/Equity (%)	28.55	36.63	82.74	63.79	166.56	56.75	83.01	25.47	14.51	1.8
Total Debt/Capital (%)	22.21	26.81	45.28	38.95	62.49	36.21	45.36	20.3	12.67	1.77
Total Debt/Total Assets (%)	2.95	3.71	9.43	7.18	14.13	5.27	8.14	2.78	1.72	0.23
Net Debt to Equity	-33.31	-7.9	61.51	15.15	108.27	-39.88	45.22	-0.91	-26.55	-32.23
Net Debt/Capital (%)	-49.95	-8.58	38.09	13.15	51.99	-66.33	31.14	-0.92	-36.15	-47.55
EBITDA	8	6	6	7	7	7	12	18	17	17
EBITDA-CapEx	- -	3	- -	-4	- -	2	4	-9	-5	6
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.72	8.55	11.4	11.25	8.48	9.29	9.81	10.93	11.83	12.82
Long-Term Debt/Equity (%)	28.55	36.63	82.74	47.11	66.12	56.75	21.95	18.89	14.51	1.8
Long-Term Debt/Capital (%)	22.21	26.81	45.28	28.76	24.8	36.21	11.99	15.05	12.67	1.77
Long-Term Debt/Total Assets (%)	2.95	3.71	9.43	5.3	5.61	5.27	2.15	2.06	1.72	0.23
Total Debt/Equity (%)	28.55	36.63	82.74	63.79	166.56	56.75	83.01	25.47	14.51	1.8
Total Debt/Capital (%)	22.21	26.81	45.28	38.95	62.49	36.21	45.36	20.3	12.67	1.77
Total Debt/Total Assets (%)	2.95	3.71	9.43	7.18	14.13	5.27	8.14	2.78	1.72	0.23
CFO/Total Liabilities	1.49	1.66	1.82	1.3	0.01	2.4	1.67	1.5	1.27	1.87
CFO/CapEx	6.89	20.45	14.2	5.52	0.12	34.19	17.2	4.84	4.92	15.33
Altman's Z-Score	0.09	0.09	0.21	0.22	0.14	0.19	0.18	0.19	0.19	0.21

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	2.04	2.28	2.22	1.98	1.87	1.86	3.37	- -	- -
Days Sales Outstanding	- -	179.03	160.33	164.49	184.09	194.72	196.2	108.32	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	- -	- -	809	889	653	1,019	1,128	1,102	1,039	1,164
- Cash & Cash Equivalents	260	187	117	292	377	706	359	280	470	424
+ Preferred Equity and Hybrid Capital	65	65	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	120	154	455	382	1,078	414	789	271	166	22
Enterprise Value	-450	-372	571	478	349	-777	-84	-161	-368	-10
Total Capital	540	574	1,005	982	1,725	1,145	1,738	1,334	1,311	1,269
Total Debt/Capital (%)	22.21	26.81	45.28	38.95	62.49	36.21	45.36	20.3	12.67	1.77
Total Debt / EV	-0.27	-0.41	0.8	0.8	3.09	-0.53	-9.44	-1.68	-0.45	-2.32
EV/Sales	- -	- -	2.99	2.21	1.4	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	97.32	71.31	50.69	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	7.34	7.77	393.21	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	6.86	6.58	43.14	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	756	896	653	1,013	982	1,100	1,039	1,178
Diluted Enterprise Value	-75	32	1,095	987	1,354	722	1,412	1,091	735	777
EV per Share	- -	- -	24.07	20.37	14.84	- -	- -	- -	- -	- -
TTM Sales	159	155	191	216	250	265	326	352	352	389
TTM EBITDA	8	6	6	7	7	7	12	18	17	17
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	55	62	78	62	1	171	146	130	108	159
TTM Free Cash Flow to Firm	63	65	83	73	8	177	154	157	131	169

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	9.08	12.32	80.75	5.74	6.37	7.02	7.96	6.96
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-450	-372	571	478	349	-777	-84	-161	-368	-10
Low Price	- -	- -	27.41	30.85	15.98	27.17	35.44	25.59	27.69	28.8
EV/Sales	- -	- -	2.99	2.21	1.4	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	97.32	71.31	50.69	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	15.09	16.48	17.85	9.27	11.14	13.08	13.53	15.57
Price/Earnings Average	- -	- -	16.98	14.97	15.99	8.83	12.48	11.85	12.98	14.78
Price/Earnings High	- -	- -	18.73	16.61	24.26	10.27	14.35	14.65	15.26	17.05
Price/Earnings Low	- -	- -	12.14	13.44	10.27	5.87	10.76	9.41	11.25	11.92
Price/Book Value	- -	- -	1.47	1.48	1.01	1.4	1.19	1.04	0.91	0.93
Price/Book Value Average	- -	- -	1.65	1.35	0.9	1.33	1.33	0.94	0.87	0.89
Price/Book Value High	- -	- -	1.83	1.49	1.37	1.55	1.53	1.16	1.02	1.02
Price/Book Value Low	- -	- -	1.18	1.21	0.58	0.88	1.15	0.75	0.75	0.72
Price/Tangible Book Value	- -	- -	1.64	1.62	1.08	1.54	1.5	1.26	1.06	1.07
Price/Tangible Book Value Average	- -	- -	1.85	1.48	0.97	1.47	1.68	1.14	1.02	1.02
Price/Tangible Book Value High	- -	- -	2.04	1.64	1.47	1.71	1.94	1.41	1.2	1.17
Price/Tangible Book Value Low	- -	- -	1.32	1.32	0.62	0.97	1.45	0.91	0.88	0.82
Price/Sales	- -	- -	3.93	4.11	2.6	3.79	2.99	3.11	2.94	3.01
Price/Sales Average	- -	- -	4.42	3.73	2.33	3.62	3.35	2.82	2.82	2.86
Price/Sales High	- -	- -	4.88	4.14	3.53	4.21	3.86	3.48	3.32	3.3
Price/Sales Low	- -	- -	3.16	3.35	1.49	2.4	2.89	2.24	2.44	2.31
Price/Cash Flow	- -	- -	9.63	14.43	731.57	5.86	6.71	8.44	9.54	7.37
Price/Cash Flow Average	- -	- -	10.84	13.1	655.22	5.59	7.51	7.64	9.15	6.99
Price/Cash Flow High	- -	- -	11.96	14.54	994.22	6.5	8.64	9.45	10.76	8.07
Price/Cash Flow Low	- -	- -	7.75	11.76	420.98	3.71	6.48	6.07	7.93	5.64
Price/Free Cash Flow Average	- -	- -	10.22	11.19	72.32	5.47	7.14	6.36	7.64	6.61
Price/Free Cash Flow High	- -	- -	11.27	12.42	109.75	6.36	8.21	7.86	8.98	7.62
Price/Free Cash Flow Low	- -	- -	7.3	10.05	46.47	3.63	6.15	5.05	6.62	5.33
EV/Sales Average	- -	0.21	6.54	4.16	5.15	2.57	5.19	2.81	1.97	1.81
EV/Sales High	- -	0.21	7.03	4.57	6.36	3.16	5.77	3.48	2.46	2.24
EV/Sales Low	- -	0.21	5.18	3.77	4.31	1.34	4.65	2.22	1.59	1.26
EV/EBITDA Average	-9.52	5.48	212.65	133.86	186.82	99.57	137.59	56.09	41.24	41.84
EV/EBITDA High	-9.52	5.48	228.67	147.08	230.79	122.79	153.05	69.48	51.65	51.91
EV/EBITDA Low	-9.52	5.48	168.43	121.56	156.44	51.83	123.46	44.43	33.32	29.13
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	34.08	37.84	27.77	42.92	36.7	35.57	33.29	37.61
High Price	- -	- -	42.31	38.14	37.74	47.58	47.28	39.84	37.56	41.17
Enterprise Value Average	-75	32	1,248	898	1,285	680	1,693	989	693	703
Enterprise Value High	-75	32	1,342	986	1,588	839	1,883	1,225	868	873
Enterprise Value Low	-75	32	989	815	1,076	354	1,519	783	560	490

Shares Outstanding	22	22	24	23	24	24	31	31	31	31
Diluted Weighted Avg Shares	22	22	22	24	24	24	27	31	31	31
Basic Weighted Avg Shares	22	22	22	23	23	23	27	31	31	31
Revenue per Share	7.2	7.02	8.68	9.2	10.69	11.31	12.26	11.43	11.33	12.49
EBITDA per Share	0.36	0.27	0.27	0.29	0.29	0.29	0.46	0.57	0.54	0.54
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.26	0.32	0.27	0.25	0.38	0.49	0.6	0.6	0.6	0.61
Cash Flow per Share	2.48	2.81	3.54	2.62	0.04	7.32	5.47	4.22	3.49	5.1
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
Cash & Equivalents per Share	28.85	26.87	29.18	33.75	58.79	93.08	65.06	49.51	50.41	38.65
Book Value per Share	16.11	16.12	23.17	25.52	27.53	30.75	30.9	34.3	36.71	40.28
Tangible Book Value per Share	13.65	13.92	20.73	23.3	25.65	27.91	24.41	28.18	31.38	35.04

Origin Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)