National Bank Holdings Corporation (NBHC) vs Origin Bancorp, Inc. (OBK)

National Bank Holdings Corporation and Origin Bancorp, Inc. are both Banks Regional companies. National Bank Holdings Corporation and Origin Bancorp, Inc. are of similar size ($1.7B and $1.6B). Origin Bancorp, Inc. trades at the lower P/E: 16.8× against 30.1×. National Bank Holdings Corporation grew revenue faster over the last twelve months: 14.6% against 4.96%. Origin Bancorp, Inc. has the higher net margin (16.3% vs 8.02%) and the higher return on invested capital (8.93% vs 2.67%). Both pay a dividend; National Bank Holdings Corporation yields more (3.34% vs 1.48%). Across the 19 metrics below, Origin Bancorp, Inc. leads on 14 and National Bank Holdings Corporation on 5.

Valuation

Metric NBHC OBK Banks Regional median
P/E 30.12 16.82 12.46
P/S 2.48 2.73 2.41
P/B 1.04 1.30 1.26
Price to free cash flow 11.64 9.53 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.32% 5.95% 7.96%
Free cash flow yield 8.59% 10.50% 8.80%

Profitability

Metric NBHC OBK Banks Regional median
Gross margin 70.96% 69.33% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.02% 16.26% 18.88%
Free cash flow margin 0.00% 28.62% 17.28%
Return on equity 3.64% 8.02% 10.43%
Return on assets 0.48% 1.00% 1.14%
Return on invested capital 2.67% 8.93% 8.47%

Growth

Metric NBHC OBK Banks Regional median
Revenue growth (TTM) 14.62% 4.96% 6.94%
EPS growth (last fiscal year) (7.47%) (2.04%) 18.88%
Revenue growth, 5-year CAGR 10.39% 15.30% 12.56%
Net income growth, 5-year CAGR 4.34% 15.64% 9.78%

Health

Metric NBHC OBK Banks Regional median
Debt to equity 0.20 0.12 0.20
Current ratio 0.96 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NBHC OBK Banks Regional median
Dividend yield 3.34% 1.48% 2.64%
Payout ratio 1.00 0.25 0.32

Size

Metric NBHC OBK Banks Regional median
Market cap 1.66b 1.62b 910.32m

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