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OBK vs V

OBK
Origin Bancorp, Inc.
NEUTRAL
Price
$46.82
Market Cap
$1.45B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
OBK
18.15
V
28.35
Forward P/E
OBK
11.02
V
20.79
P/B Ratio
OBK
1.15
V
15.09
P/S Ratio
OBK
4.13
V
14.08
EV/EBITDA
OBK
--
V
20.06

Profitability

Gross Margin
OBK
0.0%
V
97.78%
Operating Margin
OBK
38.45%
V
68.3%
Profit Margin
OBK
22.97%
V
50.23%
ROE
OBK
6.59%
V
53.95%
ROA
OBK
0.81%
V
18.36%

Growth

Revenue Growth
OBK
9.3%
V
14.6%
Earnings Growth
OBK
25.4%
V
17.4%

Financial Health

Debt/Equity
OBK
--
V
0.55
Current Ratio
OBK
--
V
1.11
Quick Ratio
OBK
--
V
0.72

Dividends

Dividend Yield
OBK
2.14%
V
0.89%
Payout Ratio
OBK
23.26%
V
22.91%

AI Verdict

OBK NEUTRAL

Origin Bancorp presents a stark contrast between strong growth and poor fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is attractively valued below its Graham Number ($48.67) and significantly below its intrinsic value ($76.11), the low health score suggests underlying operational or financial instability. Strong earnings growth (25.4% YoY) and a consistent track record of beating estimates provide a bullish catalyst, but these are offset by a bearish technical trend and low ROE. The overall outlook is neutral until the fundamental health metrics improve to match the growth trajectory.

Strengths
Strong earnings growth (25.4% YoY) and robust Q/Q revenue growth (29.9%)
Consistent earnings beat track record (3 of last 4 quarters)
Attractive valuation trading below Graham Number and Intrinsic Value
Risks
Critical fundamental health weakness indicated by Piotroski F-Score of 2/9
Low Return on Equity (6.59%) and Return on Assets (0.81%) for the banking sector
Bearish technical trend (10/100) despite recent price gains
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

OBK vs V: Head-to-Head Comparison

This page compares Origin Bancorp, Inc. (OBK) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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