Origin Bancorp, Inc. (OBK)vsU.S. Bancorp (USB)
OBK
Origin Bancorp, Inc.
$40.96
+0.27%
FINANCIAL SERVICES · Cap: $1.27B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 7607% more annual revenue ($26.35B vs $341.94M). USB leads profitability with a 28.7% profit margin vs 22.0%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
OBK
Strong Buy66
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+60.6%
Fair Value
$112.32
Current Price
$40.96
$71.36 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 40.1%
Earnings expanding 109.0% YoY
Conservative balance sheet, low leverage
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OBK
The strongest argument for OBK centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 22.0% and operating margin at 40.1%. Revenue growth of 19.6% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : OBK
The primary concerns for OBK are Market Cap, Return on Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
OBK profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
OBK is growing revenue faster at 19.6% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 66/100), backed by strong 28.7% margins. OBK offers better value entry with a 60.6% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Origin Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Origin Bancorp, Inc. is a prominent financial institution headquartered in Ruston, Louisiana, known for its comprehensive portfolio of banking and financial services tailored to individuals and businesses. Through its subsidiary, Origin Bank, the company delivers a robust suite of offerings including commercial banking, mortgage lending, and wealth management, underscoring its commitment to exceptional customer service and community involvement. With a strategic focus on leveraging advanced technology to enhance client engagement and operational capabilities, Origin Bancorp is well-positioned to capitalize on growth opportunities in the dynamic financial sector.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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