Origin Bancorp, Inc. (OBK) vs S&T Bancorp, Inc. (STBA)

Origin Bancorp, Inc. and S&T Bancorp, Inc. are both Banks Regional companies. Origin Bancorp, Inc. and S&T Bancorp, Inc. are of similar size ($1.8B and $1.7B). S&T Bancorp, Inc. trades at the lower P/E: 12.8× against 16.8×. Origin Bancorp, Inc. grew revenue faster over the last twelve months: 4.96% against 2.27%. S&T Bancorp, Inc. has the higher net margin (25.1% vs 16.3%) and the lower return on invested capital (8.92% vs 8.93%). Both pay a dividend; S&T Bancorp, Inc. yields more (2.86% vs 1.48%). Across the 19 metrics below, S&T Bancorp, Inc. leads on 11 and Origin Bancorp, Inc. on 8.

Valuation

Metric OBK STBA Banks Regional median
P/E 16.78 12.84 12.02
P/S 2.72 3.17 2.36
P/B 1.30 1.30 1.23
Price to free cash flow 9.50 12.73 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.96% 7.79% 8.21%
Free cash flow yield 10.52% 7.86% 9.23%

Profitability

Metric OBK STBA Banks Regional median
Gross margin 69.33% 73.14% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.26% 25.10% 18.82%
Free cash flow margin 28.62% 0.00% 17.97%
Return on equity 8.02% 0.00% 10.28%
Return on assets 1.00% 1.46% 1.13%
Return on invested capital 8.93% 8.92% 8.45%

Growth

Metric OBK STBA Banks Regional median
Revenue growth (TTM) 4.96% 2.27% 6.37%
EPS growth (last fiscal year) (2.04%) 2.35% 18.85%
Revenue growth, 5-year CAGR 15.30% 8.38% 12.65%
Net income growth, 5-year CAGR 15.64% 44.96% 9.81%

Health

Metric OBK STBA Banks Regional median
Debt to equity 0.12 0.04 0.17
Current ratio 0.98 0.99 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OBK STBA Banks Regional median
Dividend yield 1.48% 2.86% 2.49%
Payout ratio 0.25 0.37 0.29

Size

Metric OBK STBA Banks Regional median
Market cap 1.67b 1.79b 934.85m

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