Origin Bancorp (OBK)
Market Price (12/24/2025): $38.48 | Market Cap: $1.2 BilSector: Financials | Industry: Regional Banks
Origin Bancorp (OBK)
Market Price (12/24/2025): $38.48Market Cap: $1.2 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.4%, FCF Yield is 11% | Trading close to highsDist 52W High is -4.5%, Dist 3Y High is -4.5% | Key risksOBK key risks include [1] its significant exposure to commercial real estate with deteriorating credit quality and [2] a material weakness in its internal controls over financial reporting. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -107% | Weak multi-year price returns2Y Excs Rtn is -34%, 3Y Excs Rtn is -67% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 40%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36% | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12% | |
| Low stock price volatilityVol 12M is 28% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Digital Payments, Online Banking & Lending, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.4%, FCF Yield is 11% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -107% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 40%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36% |
| Low stock price volatilityVol 12M is 28% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Digital Payments, Online Banking & Lending, Show more. |
| Trading close to highsDist 52W High is -4.5%, Dist 3Y High is -4.5% |
| Weak multi-year price returns2Y Excs Rtn is -34%, 3Y Excs Rtn is -67% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12% |
| Key risksOBK key risks include [1] its significant exposure to commercial real estate with deteriorating credit quality and [2] a material weakness in its internal controls over financial reporting. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
1. Net Income Decline: Origin Bancorp reported a net income of $8.6 million for the third quarter of 2025, representing a significant 41.1% decrease from the $14.6 million reported in the linked quarter.2. Increase in Net Charge-offs and Classified Loans: The company experienced $31.4 million in net charge-offs during Q3 2025, with $3 million outside of Tricolor, and classified loans increased by $10.7 million, raising concerns about asset quality.
3. Sequential Decrease in Overall Loans: Total loans decreased by 1.9% sequentially, and by 0.6% when excluding mortgage warehouse, potentially indicating slower growth in the bank's lending portfolio.
4. Mixed Signals in Operational Performance: While pre-tax, pre-provision (PTPP) earnings significantly increased by 122% and net interest income reached its highest in ten quarters with an expanded net interest margin, the decline in net income might have overshadowed these operational improvements, leading to a slight negative market reaction.
5. Broader Regional Banking Sector Sentiment and Technical Signals: Despite a generally positive long-term outlook for regional banks in 2025, near-term technical signals for OBK on December 22, 2025, indicated neutral sentiment and resistance being tested, which could have contributed to minor price fluctuations. Show more
Stock Movement Drivers
Fundamental Drivers
The 8.4% change in OBK stock from 9/23/2025 to 12/23/2025 was primarily driven by a 26.4% change in the company's P/E Multiple.| 9232025 | 12232025 | Change | |
|---|---|---|---|
| Stock Price ($) | 35.49 | 38.46 | 8.38% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 347.73 | 366.37 | 5.36% |
| Net Income Margin (%) | 20.11% | 16.36% | -18.63% |
| P/E Multiple | 15.83 | 20.00 | 26.38% |
| Shares Outstanding (Mil) | 31.19 | 31.18 | 0.03% |
| Cumulative Contribution | 8.38% |
Market Drivers
9/23/2025 to 12/23/2025| Return | Correlation | |
|---|---|---|
| OBK | 8.4% | |
| Market (SPY) | 3.7% | 35.9% |
| Sector (XLF) | 3.1% | 60.7% |
Fundamental Drivers
The 9.2% change in OBK stock from 6/24/2025 to 12/23/2025 was primarily driven by a 38.9% change in the company's P/E Multiple.| 6242025 | 12232025 | Change | |
|---|---|---|---|
| Stock Price ($) | 35.21 | 38.46 | 9.24% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 358.20 | 366.37 | 2.28% |
| Net Income Margin (%) | 21.29% | 16.36% | -23.15% |
| P/E Multiple | 14.40 | 20.00 | 38.88% |
| Shares Outstanding (Mil) | 31.21 | 31.18 | 0.07% |
| Cumulative Contribution | 9.24% |
Market Drivers
6/24/2025 to 12/23/2025| Return | Correlation | |
|---|---|---|
| OBK | 9.2% | |
| Market (SPY) | 13.7% | 37.0% |
| Sector (XLF) | 7.8% | 51.5% |
Fundamental Drivers
The 17.6% change in OBK stock from 12/23/2024 to 12/23/2025 was primarily driven by a 48.6% change in the company's P/E Multiple.| 12232024 | 12232025 | Change | |
|---|---|---|---|
| Stock Price ($) | 32.71 | 38.46 | 17.58% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 354.50 | 366.37 | 3.35% |
| Net Income Margin (%) | 21.34% | 16.36% | -23.32% |
| P/E Multiple | 13.46 | 20.00 | 48.62% |
| Shares Outstanding (Mil) | 31.13 | 31.18 | -0.17% |
| Cumulative Contribution | 17.58% |
Market Drivers
12/23/2024 to 12/23/2025| Return | Correlation | |
|---|---|---|
| OBK | 17.6% | |
| Market (SPY) | 16.7% | 56.2% |
| Sector (XLF) | 15.7% | 64.2% |
Fundamental Drivers
The 11.1% change in OBK stock from 12/24/2022 to 12/23/2025 was primarily driven by a 76.8% change in the company's P/E Multiple.| 12242022 | 12232025 | Change | |
|---|---|---|---|
| Stock Price ($) | 34.61 | 38.46 | 11.14% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 298.87 | 366.37 | 22.58% |
| Net Income Margin (%) | 28.96% | 16.36% | -43.50% |
| P/E Multiple | 11.31 | 20.00 | 76.82% |
| Shares Outstanding (Mil) | 28.30 | 31.18 | -10.19% |
| Cumulative Contribution | 9.98% |
Market Drivers
12/24/2023 to 12/23/2025| Return | Correlation | |
|---|---|---|
| OBK | 11.2% | |
| Market (SPY) | 48.4% | 47.9% |
| Sector (XLF) | 52.3% | 62.9% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| OBK Return | -25% | 56% | -13% | -1% | -5% | 19% | 13% |
| Peers Return | -6% | 24% | -1% | 3% | 20% | 15% | 63% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 17% | 114% |
Monthly Win Rates [3] | |||||||
| OBK Win Rate | 58% | 75% | 33% | 58% | 42% | 75% | |
| Peers Win Rate | 48% | 65% | 52% | 50% | 53% | 62% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| OBK Max Drawdown | -54% | -1% | -16% | -28% | -21% | -11% | |
| Peers Max Drawdown | -53% | -4% | -15% | -31% | -13% | -19% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: CFR, PB, TCBI, HWC, CADE.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/23/2025 (YTD)
How Low Can It Go
| Event | OBK | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -44.0% | -25.4% |
| % Gain to Breakeven | 78.4% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -54.5% | -33.9% |
| % Gain to Breakeven | 119.6% | 51.3% |
| Time to Breakeven | 295 days | 148 days |
| 2018 Correction | ||
| % Loss | -24.1% | -19.8% |
| % Gain to Breakeven | 31.8% | 24.7% |
| Time to Breakeven | 554 days | 120 days |
Compare to NEWT, ATLO, CBC, CBK, HYNE
In The Past
Origin Bancorp's stock fell -44.0% during the 2022 Inflation Shock from a high on 8/15/2022. A -44.0% loss requires a 78.4% gain to breakeven.
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AI Analysis | Feedback
Here are 1-2 brief analogies to describe Origin Bancorp (OBK):
- It's like a smaller, community-focused version of a regional bank like US Bancorp or PNC Financial, concentrated in Louisiana, Mississippi, and Texas.
- Imagine a more localized Regions Financial, providing traditional banking services primarily to communities across Louisiana, Mississippi, and Texas.
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- Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit accounts for individuals, businesses, and governmental entities.
- Lending Services: Provides a comprehensive suite of loan products including commercial, commercial real estate, construction and land development, residential mortgage, and consumer loans.
- Treasury Management Services: Delivers cash management, remote deposit capture, ACH origination, and wire transfer services to help businesses manage their finances.
- Wealth Management: Offers financial planning, investment management, and trust services tailored for individuals and businesses.
AI Analysis | Feedback
Origin Bancorp (symbol: OBK) is a bank holding company. As such, it does not have "major customers" in the traditional sense like a manufacturing or retail company selling to a few large entities. Instead, it serves a broad base of individuals and businesses with various financial products and services.
Origin Bancorp primarily sells to individuals and businesses. The company serves the following categories of customers:
- Retail/Consumer Customers: Individuals and families seeking personal banking services such as checking accounts, savings accounts, mortgages, home equity loans, personal loans, and other consumer financial products.
- Commercial/Business Customers: Small to medium-sized businesses and corporate clients utilizing commercial loans, lines of credit, business checking and savings accounts, treasury management services, commercial real estate loans, and other business banking solutions.
- Wealth Management Customers: Individuals, families, and businesses requiring investment management, financial planning, trust services, and private banking solutions to manage and grow their assets.
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Drake Mills, Chairman, President, and Chief Executive Officer
Drake Mills has served as CEO of Origin Bancorp since 2008 and Chairman of the Board since 2012, having initially been appointed CEO of Origin Bank in 2003 and President of the company in 1998. With over 36 years in banking, he began his career at Origin Bank as a check file clerk and advanced through various roles, including in-house system night operator, branch manager, consumer loan officer, commercial lender, and Chief Financial Officer, before becoming President and Chief Operations Officer in 1996. Under his leadership, Origin Bank has achieved significant organic asset growth. Mills is a past Chairman of the Louisiana Bankers Association and served on the Community Depository Institutions Advisory Council to the Federal Reserve Bank of Dallas, where he was appointed President for a one-year term in 2013. He holds a B.S. in Finance from Louisiana Tech University and is a graduate of the Graduate School of Banking of the South.
Lance Hall, President and Chief Executive Officer of Origin Bank
Lance Hall was promoted to President and Chief Executive Officer of Origin Bank, the company's banking subsidiary, in January 2020. He has dedicated over 20-25 years to the organization, holding diverse positions such as Louisiana State President, Chief Strategy Officer, and Chief Operating Officer, overseeing the bank's operations, technology, strategic planning, and brand teams. Before joining Origin Bank, Hall spent four years at Regions Bank as a Credit Analyst and Commercial Relationship Manager. He earned a Bachelor of Business Administration in managerial finance from the University of Mississippi and is an alumnus of the Graduate School of Banking at Louisiana State University.
Wally Wallace, Chief Financial Officer
Wally Wallace serves as the Chief Financial Officer of Origin Bancorp and Origin Bank.
Stephen Brolly, Senior Executive Officer and Chief Accounting Officer
Stephen Brolly joined Origin Bancorp in January 2018 as Chief Financial Officer. Prior to this, he served as Chief Financial Officer of Fidelity Southern Corporation and its subsidiary, Fidelity Bank, for approximately ten years from 2006 to 2017. In this role, he managed equity and debt raising activities, strategic planning, budgeting, forecasting, and various financial and operational aspects related to acquisitions. Earlier in his career, he was Senior Vice President and Controller of Sun Bancorp, Inc. and Sun National Bank for seven years, where he oversaw financial reporting and accounting operations, including Sarbanes-Oxley and internal control compliance. Brolly began his professional journey in public accounting, spending 13 years at Deloitte & Touche.
Preston Moore, Senior Executive Officer, Chief Credit and Banking Officer
Preston Moore is the Chief Credit and Banking Officer and a Senior Executive Officer at Origin Bancorp.
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The key risks to Origin Bancorp (OBK) include its significant exposure to commercial real estate, a material weakness in internal controls over financial reporting, and the broader impact of increased competition and economic uncertainty.
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Significant Exposure to Commercial Real Estate (CRE) and Deteriorating Credit Quality: Origin Bancorp has a notable concentration in commercial real estate and acquisition, development, and construction (ADC) loans, which account for a substantial portion of its total risk-based capital. This exposure elevates the bank's vulnerability to market fluctuations and regulatory scrutiny. Analysts have highlighted that while strong earnings growth is projected, heavy exposure to CRE could compromise long-term credit quality or put pressure on capital if regional market conditions weaken. Furthermore, there has been an increase in nonperforming loans to total loans held for investment, rising to 0.81% as of September 30, 2024, up from 0.39% at the end of 2023, reflecting a growing risk of default amidst economic uncertainty.
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Material Weakness in Internal Controls over Financial Reporting: Management of Origin Bancorp, in consultation with its independent registered accounting firm, identified a material weakness in its internal controls over financial reporting. This weakness relates to controls over employees' ability to initiate certain manual transfers between deposit accounts. While management believes this did not impact the consolidated financial statements, it is a significant control deficiency that requires remediation and will be detailed in an amended Annual Report on Form 10-K/A.
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Increased Competition and Economic Uncertainty: Origin Bancorp faces heightened competition from fintech companies and larger regional banks, which is exerting pressure on its net interest margin. The economic landscape also presents uncertainty and potential recessionary pressures that could negatively impact borrower creditworthiness. Additionally, the bank's overall revenue and profitability trends have been mixed, with rising costs impacting net profits.
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For Origin Bancorp (OBK), whose main products and services primarily fall under community banking within Texas, Louisiana, and Mississippi, the addressable market sizes for its key offerings in the United States are as follows:
- Community Banking: The U.S. community banking market was valued at approximately USD 6.35 billion in 2024, with a projected compound annual growth rate (CAGR) of 3.8%. Another estimate indicates the market size of community banking is expected to expand from USD 17.79 billion in 2024 to USD 19.39 billion in 2025, with a CAGR of 9.0%, and is projected to reach USD 26.98 billion by 2029.
- Commercial Lending: The global commercial lending market was valued at USD 9.7 trillion in 2023 and is projected to grow to USD 23.06 trillion by 2032, exhibiting a CAGR of 10.1%. North America is the largest market, with the U.S. accounting for approximately 75% of this market share. Separately, the U.S. Commercial Banking Market size is estimated at USD 226.44 billion in 2024 and is expected to reach USD 269.28 billion by 2029, growing at a CAGR of greater than 2%.
- Mortgage Lending: The U.S. home mortgage market size was valued at approximately USD 180.91 billion in 2023 and is predicted to grow to around USD 501.67 billion by 2032, with a CAGR of roughly 12.00% between 2024 and 2032. The broader U.S. home loan market stood at USD 2.29 trillion in 2025 and is forecasted to reach USD 3.02 trillion by 2030. Americans originated USD 1.69 trillion in new mortgage debt in 2024.
- Deposits: null
- Insurance Products (Personal and Commercial Property & Casualty): null
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Here are the expected drivers of future revenue growth for Origin Bancorp (OBK) over the next 2-3 years:- Loan Growth and Production: Origin Bancorp anticipates continued positive trends in loan production, with a particular focus on business loans. The company has seen accelerating loan originations, especially in its metro Texas markets and the newly established Southeast market. This organic loan growth is expected to be a primary contributor to an increase in interest income.
- Deposit Growth and Favorable Funding Mix: The company is concentrating on attracting and growing deposits, particularly non-interest-bearing deposits. Recent quarters have shown strong deposit growth, which improves Origin Bancorp's funding mix and provides additional liquidity. This, in turn, supports net interest income expansion.
- Net Interest Margin Expansion and Management: Origin Bancorp is actively working to expand its net interest margin (NIM). Strategies include bond portfolio optimization, which has already contributed to increased interest income from its securities portfolio, and careful management of deposit betas in response to interest rate changes. The company models potential margin recovery even with future Fed rate cuts.
- "Optimize Origin" Initiative and Strategic Investments: This comprehensive initiative is designed to drive earnings improvement through various efficiency and growth measures. Key components include branch consolidation, headcount reduction, securities and capital optimization, and mortgage restructuring. Additionally, strategic investments in digital banking platforms, automation, data management, and artificial intelligence are aimed at enhancing customer acquisition, improving operational efficiency, and reducing expenses. The increased ownership in Argent Financial, resulting in equity method investment income, is also part of this strategy to boost non-interest income.
- Expansion into Dynamic Geographic Markets: Origin Bancorp is strategically expanding its presence and driving value in key dynamic markets. Specific focus areas mentioned include the metro Texas markets (Dallas/Fort Worth, East Texas, Houston) and the new Southeast market, which encompasses South Alabama and the Florida Panhandle. This geographic expansion is expected to drive long-term value and customer growth.
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Share Repurchases
- In July 2025, Origin Bancorp's board of directors approved a new $50.0 million stock repurchase program, replacing a previously existing plan.
- During the third quarter of 2025, the company repurchased 265,248 shares of its common stock at an average price of $35.85 per share.
- Year-to-date in 2025, Origin Bancorp repurchased a total of 401,647 shares of common stock at an average price of $34.59 per share.
Share Issuance
- Origin Bancorp completed the acquisition of BT Holdings, Inc. through a merger on August 1, 2022, which involved the issuance of up to 6,828,390 shares.
- The company filed a universal shelf registration statement, providing flexibility to offer various securities, including common and preferred stock, for potential future capital raising, acquisitions, or balance sheet initiatives.
Outbound Investments
- In August 2022, Origin Bancorp acquired BT Holdings, Inc. via a merger.
- Effective July 1, 2025, Origin Bancorp increased its ownership in Argent Financial to over 20%. This additional investment resulted in a $7.0 million fair value adjustment gain and $1.2 million in equity method investment income recorded in the third quarter of 2025.
Capital Expenditures
- Origin Bancorp has made targeted investments in digital banking platforms, automation, and data management, including strategic projects utilizing robotics and AI, to enhance operational efficiency, improve customer acquisition, and reduce expenses.
- The company has invested in technology, processes, and personnel to prepare for new regulatory environments and support long-term growth.
- In 2023, decisions were made to significantly improve the client experience through advancements in the company's digital platforms.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to OBK. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 12.4% | 12.4% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.8% | 0.8% | -0.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -5.4% | -5.4% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.1% | 7.1% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.5% | -11.5% | -12.1% |
Research & Analysis
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Peer Comparisons for Origin Bancorp
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 68.22 |
| Mkt Cap | 6.2 |
| Rev LTM | 1,348 |
| Op Inc LTM | - |
| FCF LTM | 229 |
| FCF 3Y Avg | 436 |
| CFO LTM | 249 |
| CFO 3Y Avg | 530 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.3% |
| Rev Chg 3Y Avg | 9.8% |
| Rev Chg Q | 11.3% |
| QoQ Delta Rev Chg LTM | 2.8% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 22.3% |
| CFO/Rev 3Y Avg | 37.1% |
| FCF/Rev LTM | 20.0% |
| FCF/Rev 3Y Avg | 31.7% |
Price Behavior
| Market Price | $38.46 | |
| Market Cap ($ Bil) | 1.2 | |
| First Trading Date | 05/09/2018 | |
| Distance from 52W High | -4.5% | |
| 50 Days | 200 Days | |
| DMA Price | $35.80 | $35.05 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 7.4% | 9.7% |
| 3M | 1YR | |
| Volatility | 26.1% | 28.6% |
| Downside Capture | 28.84 | 81.79 |
| Upside Capture | 61.97 | 85.19 |
| Correlation (SPY) | 37.4% | 56.4% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.59 | 0.91 | 0.77 | 1.10 | 0.87 | 0.97 |
| Up Beta | 0.26 | 1.04 | 1.09 | 1.39 | 0.61 | 0.88 |
| Down Beta | 0.20 | 1.44 | 1.28 | 1.42 | 1.16 | 1.08 |
| Up Capture | 111% | 81% | 18% | 75% | 85% | 62% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 10 | 24 | 33 | 65 | 128 | 356 |
| Down Capture | 52% | 56% | 68% | 96% | 97% | 102% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 10 | 18 | 30 | 60 | 120 | 391 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of OBK With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| OBK | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 17.4% | 18.1% | 18.8% | 72.9% | 9.0% | 3.7% | -11.4% |
| Annualized Volatility | 28.5% | 19.0% | 19.5% | 19.2% | 15.3% | 17.2% | 35.0% |
| Sharpe Ratio | 0.56 | 0.74 | 0.76 | 2.72 | 0.36 | 0.05 | -0.14 |
| Correlation With Other Assets | 63.8% | 56.1% | -10.6% | 14.7% | 49.7% | 19.3% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of OBK With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| OBK | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 7.7% | 16.2% | 14.8% | 18.9% | 11.8% | 4.7% | 35.5% |
| Annualized Volatility | 30.6% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.9% |
| Sharpe Ratio | 0.29 | 0.71 | 0.70 | 0.98 | 0.51 | 0.16 | 0.62 |
| Correlation With Other Assets | 60.9% | 44.7% | -3.4% | 12.0% | 42.7% | 18.3% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of OBK With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| OBK | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 1.7% | 13.1% | 14.8% | 15.1% | 6.8% | 5.4% | 69.1% |
| Annualized Volatility | 35.4% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.15 | 0.55 | 0.71 | 0.85 | 0.31 | 0.23 | 0.90 |
| Correlation With Other Assets | 62.2% | 46.7% | -4.7% | 20.0% | 47.1% | 16.0% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/22/2025 | -3.7% | 0.5% | 0.2% |
| 7/23/2025 | -0.5% | -1.6% | -1.1% |
| 4/23/2025 | 0.3% | 0.9% | 4.8% |
| 1/22/2025 | 4.8% | 8.6% | 8.8% |
| 10/23/2024 | -2.4% | 0.3% | 7.1% |
| 7/24/2024 | -4.8% | -5.5% | -13.3% |
| 4/24/2024 | 3.3% | 3.1% | 5.3% |
| 1/24/2024 | -5.3% | -8.7% | -11.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 14 | 14 |
| # Negative | 12 | 10 | 10 |
| Median Positive | 3.0% | 5.3% | 7.3% |
| Median Negative | -2.1% | -2.3% | -2.9% |
| Max Positive | 6.4% | 19.3% | 22.4% |
| Max Negative | -5.3% | -12.0% | -13.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11052025 | 10-Q 9/30/2025 |
| 6302025 | 8062025 | 10-Q 6/30/2025 |
| 3312025 | 5072025 | 10-Q 3/31/2025 |
| 12312024 | 2272025 | 10-K 12/31/2024 |
| 9302024 | 11062024 | 10-Q 9/30/2024 |
| 6302024 | 8082024 | 10-Q 6/30/2024 |
| 3312024 | 5072024 | 10-Q 3/31/2024 |
| 12312023 | 2282024 | 10-K 12/31/2023 |
| 9302023 | 11072023 | 10-Q 9/30/2023 |
| 6302023 | 8022023 | 10-Q 6/30/2023 |
| 3312023 | 5032023 | 10-Q 3/31/2023 |
| 12312022 | 2222023 | 10-K 12/31/2022 |
| 9302022 | 11022022 | 10-Q 9/30/2022 |
| 6302022 | 8032022 | 10-Q 6/30/2022 |
| 3312022 | 5042022 | 10-Q 3/31/2022 |
| 12312021 | 2232022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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