International Bancshares (NASDAQ:IBOC) & Origin Bancorp (NYSE:OBK) Head to Head Analysis

Origin Bancorp (NYSE:OBK) and International Bancshares (NASDAQ:IBOC) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, earnings, dividends, profitability, valuation and risk.

Risk and Volatility

Origin Bancorp has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500. Comparatively, International Bancshares has a beta of 0.67, indicating that its stock price is 33% less volatile than the S&P 500.

Valuation & Earnings

This table compares Origin Bancorp and International Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Origin Bancorp	$597.80 million	2.72	$75.20 million	$3.20	16.48
International Bancshares	$1.06 billion	4.06	$412.29 million	$6.63	10.40

International Bancshares has higher revenue and earnings than Origin Bancorp. International Bancshares is trading at a lower price-to-earnings ratio than Origin Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Origin Bancorp and International Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Origin Bancorp	0	3	5	0	2.62
International Bancshares	0	0	1	0	3.00

Origin Bancorp currently has a consensus target price of $58.00, indicating a potential upside of 9.98%. International Bancshares has a consensus target price of $85.00, indicating a potential upside of 23.30%. Given International Bancshares’ stronger consensus rating and higher possible upside, analysts clearly believe International Bancshares is more favorable than Origin Bancorp.

Dividends

Origin Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.9%. International Bancshares pays an annual dividend of $1.46 per share and has a dividend yield of 2.1%. Origin Bancorp pays out 31.2% of its earnings in the form of a dividend. International Bancshares pays out 22.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Origin Bancorp has increased its dividend for 4 consecutive years and International Bancshares has increased its dividend for 16 consecutive years. International Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider and Institutional Ownership

54.7% of Origin Bancorp shares are held by institutional investors. Comparatively, 65.9% of International Bancshares shares are held by institutional investors. 5.3% of Origin Bancorp shares are held by insiders. Comparatively, 13.1% of International Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Origin Bancorp and International Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Origin Bancorp	16.26%	7.97%	1.00%
International Bancshares	38.83%	12.67%	2.47%

Summary

International Bancshares beats Origin Bancorp on 14 of the 17 factors compared between the two stocks.

About Origin Bancorp

Origin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, high net worth individuals, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, residential mortgage, and paycheck protection program loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit box, U.S. savings bonds, and automatic account transfer services; and treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. As of December 31, 2021, it operated 44 banking centers. The company was founded in 1912 and is headquartered in Ruston, Louisiana.

About International Bancshares

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. The company was founded in 1966 and is headquartered in Laredo, Texas.