Demonstrações financeiras detalhadas de Origin Bancorp, Inc. (OBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Origin Bancorp, Inc. registou receitas de $598.6M no último exercício, com um CAGR de 5 anos de 15.8%. O lucro líquido atingiu $75.2M, com CAGR de 5 anos de 15.6%.
Margens dos últimos 12 meses: margem bruta 62.4%, margem operacional 21.3%, margem líquida 16.3%.
Ao preço atual de $53.56, OBK negocia a um P/L de 16.36 e um ROE de 7.97%. A capitalização de mercado é de $1.7B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $177.1M | $176.9M | $225.5M | $269.4M | $287.0M | $290.5M | $377.8M | $576.7M | $616.8M | $598.6M |
| Custo da Receita | $48.5M | $30.6M | $35.7M | $62.9M | $97.1M | $14.6M | $76.0M | $240.6M | $271.7M | $250.1M |
| Lucro Bruto | $128.6M | $146.3M | $189.8M | $206.5M | $189.9M | $275.8M | $301.8M | $336.1M | $345.1M | $348.5M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $66.5M | $73.8M | $84.8M | $92.8M | $100.4M | $96.5M | $123.4M | $144.8M | $155.0M | $156.4M |
| Despesas Operacionais | $112.8M | $125.8M | $127.4M | $139.9M | $145.5M | $143.4M | $194.3M | $230.2M | $247.9M | $249.7M |
| Lucro Operacional | $15.8M | $20.5M | $62.4M | $66.5M | $44.4M | $132.4M | $107.4M | $105.9M | $97.3M | $98.8M |
| EBITDA | $23.6M | $26.3M | $68.3M | $73.3M | $51.2M | $139.3M | $119.7M | $123.6M | $114.1M | $113.4M |
| Despesas com Juros | $18.5M | $22.3M | $34.6M | $53.4M | $37.2M | $25.4M | $51.3M | $223.8M | $264.2M | $207.0M |
| Lucro Antes de Impostos | $15.8M | $20.5M | $62.4M | $66.5M | $44.4M | $132.4M | $107.4M | $105.9M | $97.3M | $95.6M |
| Imposto | $2.9M | $5.8M | $10.8M | $12.7M | $8.0M | $23.9M | $19.7M | $22.1M | $20.8M | $20.4M |
| Lucro Líquido | $12.8M | $14.7M | $51.6M | $53.9M | $36.4M | $108.5M | $87.7M | $83.8M | $76.5M | $75.2M |
| LPA | $0.37 | $0.45 | $2.21 | $2.30 | $1.56 | $4.63 | $3.29 | $2.72 | $2.46 | $2.43 |
| LPA Diluído | $0.37 | $0.45 | $2.20 | $2.28 | $1.55 | $4.60 | $3.28 | $2.71 | $2.45 | $2.40 |
| Ações em Circulação (Diluídas) | $22.0M | $22.0M | $22.2M | $23.7M | $23.5M | $23.6M | $26.8M | $30.9M | $31.2M | $31.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $160.7M | $151.4M | $148.1M | $151.1M |
| Lucro Bruto | $71.5M | $103.4M | $99.1M | $107.5M |
| Lucro Operacional | $11.0M | $40.6M | $35.3M | $43.1M |
| EBITDA | $14.8M | $42.1M | $39.1M | $43.1M |
| Lucro Líquido | $8.6M | $29.5M | $27.7M | $33.8M |
| LPA | $0.28 | $0.96 | $0.89 | $1.10 |
| LPA Diluído | $0.27 | $0.95 | $0.89 | $1.09 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $259.9M | $187.2M | $116.7M | $291.5M | $377.2M | $705.6M | $359.0M | $280.4M | $470.2M | $73.1M |
| Investimentos de Curto Prazo | $375.5M | $404.5M | $575.6M | $501.1M | $1.00B | $1.50B | $1.64B | $1.25B | $1.10B | $31.1M |
| Contas a Receber | $67.8M | $83.9M | $83.8M | $110.9M | $141.0M | $141.8M | $209.2M | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $703.2M | $675.6M | $776.1M | $903.5M | $1.52B | $2.35B | $2.21B | $1.53B | $1.57B | $104.2M |
| Imobilizado | $86.7M | $77.4M | $75.0M | $80.5M | $81.8M | $80.7M | $100.2M | $119.0M | $126.6M | $124.2M |
| Ágio | $22.2M | $22.2M | $26.7M | $26.7M | $26.7M | $34.4M | $128.7M | $128.7M | $128.7M | $128.7M |
| Ativos Intangíveis | $32.0M | $26.3M | $31.2M | $25.5M | $17.4M | $33.2M | $70.7M | $61.1M | $37.5M | $33.4M |
| Ativos Totais | $4.07B | $4.15B | $4.82B | $5.32B | $7.63B | $7.86B | $9.69B | $9.72B | $9.68B | $9.72B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | $144.6M | $713.9M | $52.8M | $632.5M | $77.1M | $6.3M | 0 |
| Passivos Circulantes | $3.50B | $3.54B | $3.82B | $4.44B | $6.55B | $6.72B | $8.53B | $8.33B | $8.23B | $1.98B |
| Dívida de Longo Prazo | $119.9M | $154.0M | $454.9M | $282.3M | $427.9M | $414.4M | $208.5M | $200.8M | $166.1M | $35.6M |
| Passivos Totais | $3.65B | $3.73B | $4.27B | $4.73B | $6.98B | $7.13B | $8.74B | $8.66B | $8.53B | $8.48B |
| Reservas | $137.4M | $145.1M | $191.6M | $239.9M | $266.6M | $363.6M | $435.4M | $500.4M | $557.9M | $612.5M |
| Patrimônio Líquido | $420.1M | $420.4M | $549.8M | $599.3M | $647.1M | $730.2M | $949.9M | $1.06B | $1.15B | $1.25B |
| Dívida Total | $119.9M | $154.0M | $454.9M | $426.9M | $1.14B | $467.2M | $841.0M | $277.9M | $172.4M | $35.6M |
| Dívida Líquida | -$515.5M | -$437.7M | -$237.5M | -$365.7M | -$240.1M | -$1.74B | -$1.16B | -$1.26B | -$1.40B | -$68.6M |
| Capital de Giro | -$2.80B | -$2.87B | -$3.04B | -$3.54B | -$5.03B | -$4.36B | -$6.32B | -$6.79B | -$6.66B | -$1.88B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $626.9M | $73.1M | $90.6M | $87.3M |
| Ativos Totais | $9.79B | $9.72B | $10.19B | $10.28B |
| Passivos Totais | $8.58B | $8.48B | $8.93B | $9.00B |
| Patrimônio Líquido | $1.21B | $1.25B | $1.26B | $1.28B |
| Dívida Total | $102.5M | $35.6M | $29.2M | $136.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $12.8M | $14.7M | $51.6M | $53.9M | $36.4M | $108.5M | $87.7M | $83.8M | $76.5M | $75.2M |
| Depreciação e Amortização | $7.8M | $5.9M | $5.9M | $6.7M | $6.9M | $6.8M | $12.3M | $17.6M | $16.8M | $16.8M |
| Compensação em Ações | $1.5M | $1.1M | $1.5M | $2.2M | $2.3M | $2.3M | $3.4M | $5.3M | $7.2M | $8.3M |
| Variação Capital de Giro | -$708000 | -$631000 | -$713000 | -$755000 | -$917000 | $5.5M | -$3.9M | -$207000 | $3.0M | -$2.9M |
| Fluxo de Caixa Operacional | $54.6M | $62.0M | $77.8M | $61.6M | $887000 | $171.5M | $145.6M | $129.9M | $108.5M | $158.9M |
| CapEx | -$7.9M | -$3.0M | -$5.5M | -$11.2M | -$7.2M | -$5.0M | -$8.5M | -$26.8M | -$22.0M | -$7.9M |
| Aquisições | $3.6M | $844000 | -$6.1M | $503000 | $818000 | -$7.5M | $70.0M | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | -$48.3M | -$10.1M | -$723000 | -$1.3M | 0 | 0 | 0 | -$15.8M |
| Dividendos Pagos | -$5.8M | -$7.0M | -$5.9M | -$5.9M | -$8.9M | -$11.5M | -$15.9M | -$18.6M | -$18.7M | -$18.9M |
| Fluxo de Caixa Livre | $46.7M | $59.0M | $72.3M | $50.4M | -$6.3M | $166.5M | $137.2M | $103.1M | $86.4M | $151.1M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $59.3M | $43.4M | $52.9M | $40.0M |
| CapEx | -$2.5M | -$3.6M | -$5.0M | -$9.2M |
| Fluxo de Caixa Livre | $56.8M | $39.9M | $47.9M | $30.8M |
| Dividendos Pagos | -$4.7M | -$4.7M | -$4.7M | -$7.8M |
| Compensação em Ações | $2.3M | $2.1M | $2.4M | $2.5M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | -0.1% | +27.4% | +19.5% | +6.5% | +1.2% | +30.1% | +52.7% | +7.0% | -3.0% |
| Crescimento Lucro Líquido (anual) | | +14.2% | +251.8% | +4.4% | -32.5% | +198.6% | -19.2% | -4.5% | -8.7% | -1.7% |
| Crescimento LPA (anual) | | +21.6% | +391.1% | +4.1% | -32.2% | +196.8% | -28.9% | -17.3% | -9.6% | -1.2% |
| Variação de Ações (anual) | | +0.0% | +0.8% | +6.7% | -0.7% | +0.4% | +13.4% | +15.6% | +0.9% | -0.4% |
| Crescimento FCF (anual) | | +26.4% | +22.7% | -30.3% | -112.5% | +2737.8% | -17.6% | -24.9% | -16.2% | +74.8% |
| Margem Bruta | 72.6% | 82.7% | 84.2% | 76.6% | 66.2% | 95.0% | 79.9% | 58.3% | 56.0% | 58.2% |
| Margem Operacional | 8.9% | 11.6% | 27.7% | 24.7% | 15.5% | 45.6% | 28.4% | 18.4% | 15.8% | 16.5% |
| Margem EBITDA | 13.3% | 14.9% | 30.3% | 27.2% | 17.9% | 47.9% | 31.7% | 21.4% | 18.5% | 18.9% |
| Margem Líquida | 7.3% | 8.3% | 22.9% | 20.0% | 12.7% | 37.4% | 23.2% | 14.5% | 12.4% | 12.6% |
| Margem FCF | 26.3% | 33.3% | 32.1% | 18.7% | -2.2% | 57.3% | 36.3% | 17.9% | 14.0% | 25.2% |
| Taxa Efetiva de Imposto | 18.5% | 28.4% | 17.4% | 19.0% | 18.0% | 18.0% | 18.4% | 20.9% | 21.4% | 21.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.12 | $2.68 | $3.26 | $2.13 | $-0.27 | $7.05 | $5.13 | $3.33 | $2.77 | $4.86 |
| Dividendo por Ação | $0.26 | $0.32 | $0.27 | $0.25 | $0.38 | $0.49 | $0.59 | $0.60 | $0.60 | $0.61 |
| Ações em Circulação (Básicas) | $22.0M | $22.0M | $22.0M | $23.5M | $23.4M | $23.4M | $26.6M | $30.8M | $31.1M | $30.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 7.97% |
| Retorno sobre capital investido | -1.23% |
| Retorno sobre ativos | 0.97% |
| Margem bruta | 62.41% |
| Margem operacional | 21.26% |
| Margem líquida | 16.31% |
Saúde financeira
| Dívida / Patrimônio | 0.11 |
| Liquidez corrente | 0.01 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 0.03 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 91.89 | 75.56 | 15.42 | 16.45 | 17.80 | 9.27 | 11.16 | 13.08 | 13.53 | 15.48 |
| P/VP | 1.78 | 1.78 | 1.36 | 1.48 | 1.00 | 1.38 | 1.03 | 1.03 | 0.90 | 0.93 |
| P/V | 4.23 | 4.23 | 3.32 | 3.30 | 2.26 | 3.46 | 2.59 | 1.90 | 1.68 | 1.93 |
| Margem Bruta | 72.6% | 82.7% | 84.2% | 76.6% | 66.2% | 95.0% | 79.9% | 58.3% | 56.0% | 58.2% |
| Margem Operacional | 8.9% | 11.6% | 27.7% | 24.7% | 15.5% | 45.6% | 28.4% | 18.4% | 15.8% | 16.5% |
| Margem Líquida | 7.3% | 8.3% | 22.9% | 20.0% | 12.7% | 37.4% | 23.2% | 14.5% | 12.4% | 12.6% |