Origin Bancorp, Stock Z Score

OBK Stock

34.36 0.14 0.41%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Origin Bancorp, Piotroski F Score and Origin Bancorp, Valuation analysis.

For more information on how to buy Origin Stock please use our How to buy in Origin Stock guide.

At this time, Origin Bancorp,'s Net Invested Capital is quite stable compared to the past year. Capital Expenditures is expected to rise to about 28.2 M this year, although the value of Change In Working Capital will most likely fall to (117.6 K). At this time, Origin Bancorp,'s Interest Expense is quite stable compared to the past year. Total Operating Expenses is expected to rise to about 211.5 M this year, although the value of Selling And Marketing Expenses will most likely fall to about 4.3 M.

Origin Bancorp, Company Z Score Analysis

Origin Bancorp,'s Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Origin Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Origin Bancorp, is extremely important. It helps to project a fair market value of Origin Stock properly, considering its historical fundamentals such as Z Score. Since Origin Bancorp,'s main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Origin Bancorp,'s historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Origin Bancorp,'s interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Good Will	Short Term Investments	Total Liab	Total Current Assets	Short Term Debt	Intangible Assets	Common Stock	Net Tangible Assets	Accounts Payable	Long Term Debt	Net Invested Capital	Long Term Investments	Capital Stock	Property Plant Equipment	Long Term Debt Total	Capital Surpluse	Short Long Term Debt
Total Assets		0.97	0.49	0.98	0.97	0.82	0.96	0.86	0.47	0.56	0.5	0.94	0.91	0.96	-0.92	0.82	0.93	0.81	0.78	0.79	0.81	-0.69
Total Stockholder Equity	0.97		0.41	0.99	0.99	0.87	0.9	0.84	0.33	0.44	0.59	0.98	0.95	0.97	-0.82	0.71	0.86	0.87	0.87	0.87	0.89	-0.7
Net Debt	0.49	0.41		0.36	0.44	0.21	0.42	0.56	0.38	0.93	0.07	0.49	0.21	0.29	-0.44	0.73	0.35	0.24	0.17	0.18	0.24	0.17
Retained Earnings	0.98	0.99	0.36		0.98	0.85	0.93	0.8	0.4	0.41	0.55	0.95	0.95	0.97	-0.85	0.69	0.89	0.84	0.84	0.84	0.85	-0.74
Net Receivables	0.97	0.99	0.44	0.98		0.83	0.89	0.84	0.36	0.5	0.6	0.95	0.94	0.96	-0.82	0.73	0.84	0.85	0.87	0.87	0.89	-0.64
Good Will	0.82	0.87	0.21	0.85	0.83		0.74	0.89	0.03	0.23	0.69	0.9	0.92	0.89	-0.72	0.67	0.78	0.97	0.89	0.91	0.89	-0.74
Short Term Investments	0.96	0.9	0.42	0.93	0.89	0.74		0.74	0.66	0.52	0.42	0.86	0.83	0.9	-0.92	0.78	0.98	0.71	0.64	0.65	0.69	-0.7
Total Liab	0.86	0.84	0.56	0.8	0.84	0.89	0.74		0.13	0.6	0.57	0.87	0.84	0.86	-0.82	0.9	0.78	0.88	0.79	0.82	0.81	-0.53
Total Current Assets	0.47	0.33	0.38	0.4	0.36	0.03	0.66	0.13		0.56	-0.02	0.28	0.16	0.3	-0.5	0.45	0.6	0.05	-0.06	-0.07	0.05	-0.14
Short Term Debt	0.56	0.44	0.93	0.41	0.5	0.23	0.52	0.6	0.56		0.19	0.48	0.27	0.38	-0.53	0.83	0.49	0.3	0.2	0.21	0.3	0.15
Intangible Assets	0.5	0.59	0.07	0.55	0.6	0.69	0.42	0.57	-0.02	0.19		0.63	0.7	0.63	-0.24	0.36	0.42	0.84	0.84	0.82	0.88	-0.22
Common Stock	0.94	0.98	0.49	0.95	0.95	0.9	0.86	0.87	0.28	0.48	0.63		0.91	0.92	-0.76	0.73	0.82	0.9	0.86	0.87	0.89	-0.62
Net Tangible Assets	0.91	0.95	0.21	0.95	0.94	0.92	0.83	0.84	0.16	0.27	0.7	0.91		0.99	-0.78	0.64	0.82	0.93	0.95	0.95	0.94	-0.76
Accounts Payable	0.96	0.97	0.29	0.97	0.96	0.89	0.9	0.86	0.3	0.38	0.63	0.92	0.99		-0.87	0.73	0.9	0.89	0.89	0.89	0.9	-0.77
Long Term Debt	-0.92	-0.82	-0.44	-0.85	-0.82	-0.72	-0.92	-0.82	-0.5	-0.53	-0.24	-0.76	-0.78	-0.87		-0.86	-0.94	-0.64	-0.56	-0.58	-0.58	0.74
Net Invested Capital	0.82	0.71	0.73	0.69	0.73	0.67	0.78	0.9	0.45	0.83	0.36	0.73	0.64	0.73	-0.86		0.82	0.66	0.51	0.54	0.57	-0.36
Long Term Investments	0.93	0.86	0.35	0.89	0.84	0.78	0.98	0.78	0.6	0.49	0.42	0.82	0.82	0.9	-0.94	0.82		0.74	0.63	0.64	0.67	-0.74
Capital Stock	0.81	0.87	0.24	0.84	0.85	0.97	0.71	0.88	0.05	0.3	0.84	0.9	0.93	0.89	-0.64	0.66	0.74		0.95	0.96	0.96	-0.6
Property Plant Equipment	0.78	0.87	0.17	0.84	0.87	0.89	0.64	0.79	-0.06	0.2	0.84	0.86	0.95	0.89	-0.56	0.51	0.63	0.95		1.0	0.99	-0.59
Long Term Debt Total	0.79	0.87	0.18	0.84	0.87	0.91	0.65	0.82	-0.07	0.21	0.82	0.87	0.95	0.89	-0.58	0.54	0.64	0.96	1.0		0.99	-0.61
Capital Surpluse	0.81	0.89	0.24	0.85	0.89	0.89	0.69	0.81	0.05	0.3	0.88	0.89	0.94	0.9	-0.58	0.57	0.67	0.96	0.99	0.99		-0.54
Short Long Term Debt	-0.69	-0.7	0.17	-0.74	-0.64	-0.74	-0.7	-0.53	-0.14	0.15	-0.22	-0.62	-0.76	-0.77	0.74	-0.36	-0.74	-0.6	-0.59	-0.61	-0.54

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Origin Bancorp,

Based on the company's disclosures, Origin Bancorp, has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Origin Bancorp, Current Valuation Drivers

We derive many important indicators used in calculating different scores of Origin Bancorp, from analyzing Origin Bancorp,'s financial statements. These drivers represent accounts that assess Origin Bancorp,'s ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Origin Bancorp,'s important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	888.1M	648.9M	1.0B	977.2M	1.1B	715.5M
Enterprise Value	1.0B	1.4B	767.3M	1.5B	1.1B	911.8M

Origin Bancorp, ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Origin Bancorp,'s sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Origin Bancorp,'s managers, analysts, and investors.

Environmental

Governance

Social

Origin Fundamentals

	Return On Equity	0.0705
	Return On Asset	0.0077
	Profit Margin	0.22 %
	Operating Margin	0.32 %
	Current Valuation	937.33 M
	Shares Outstanding	31.17 M
	Shares Owned By Insiders	5.84 %
	Shares Owned By Institutions	58.15 %
	Number Of Shares Shorted	257.36 K
	Price To Book	0.94 X
	Price To Sales	3.13 X
	Revenue	341.14 M
	Gross Profit	307.86 M
	EBITDA	123.55 M
	Net Income	83.8 M
	Total Debt	270.75 M
	Book Value Per Share	36.76 X
	Cash Flow From Operations	129.92 M
	Short Ratio	2.57 X
	Earnings Per Share	2.43 X
	Target Price	36.6
	Number Of Employees	1.05 K
	Beta	0.98
	Market Capitalization	1.08 B
	Total Asset	9.72 B
	Retained Earnings	500.42 M
	Annual Yield	0.02 %
	Net Asset	9.72 B
	Last Dividend Paid	0.6

About Origin Bancorp, Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Origin Bancorp,'s financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Origin Bancorp, using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Origin Bancorp, based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether Origin Bancorp, is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Origin Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Origin Bancorp, Stock. Highlighted below are key reports to facilitate an investment decision about Origin Bancorp, Stock:

How To Invest In Origin

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Is Origin Stock a good investment?

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What is Origin Bancorp,'s Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Origin Bancorp, Piotroski F Score and Origin Bancorp, Valuation analysis.

For more information on how to buy Origin Stock please use our How to buy in Origin Stock guide.

You can also try the Positions Ratings module to determine portfolio positions ratings based on digital equity recommendations. Macroaxis instant position ratings are based on combination of fundamental analysis and risk-adjusted market performance.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Origin Bancorp,. If investors know Origin will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Origin Bancorp, listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.24)

Dividend Share

0.6

Earnings Share

2.43

Revenue Per Share

11.07

Quarterly Revenue Growth

(0.03)

The market value of Origin Bancorp, is measured differently than its book value, which is the value of Origin that is recorded on the company's balance sheet. Investors also form their own opinion of Origin Bancorp,'s value that differs from its market value or its book value, called intrinsic value, which is Origin Bancorp,'s true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Origin Bancorp,'s market value can be influenced by many factors that don't directly affect Origin Bancorp,'s underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Origin Bancorp,'s value and its price as these two are different measures arrived at by different means. Investors typically determine if Origin Bancorp, is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Origin Bancorp,'s price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Origin Bancorp, Stock Z Score

Origin Bancorp, Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Origin Z Score Driver Correlations

Origin Bancorp, Current Valuation Drivers

Origin Bancorp, ESG Sustainability

Origin Fundamentals

About Origin Bancorp, Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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