International Bancshares (NASDAQ:IBOC – Get Free Report) and Origin Bancorp (NYSE:OBK – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, risk, valuation, institutional ownership, analyst recommendations and earnings.
Dividends
International Bancshares pays an annual dividend of $1.46 per share and has a dividend yield of 2.1%. Origin Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.9%. International Bancshares pays out 22.0% of its earnings in the form of a dividend. Origin Bancorp pays out 31.2% 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. International Bancshares has increased its dividend for 16 consecutive years and Origin Bancorp has increased its dividend for 4 consecutive years. International Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Analyst Ratings
This is a summary of current recommendations and price targets for International Bancshares and Origin Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| International Bancshares | 0 | 0 | 1 | 0 | 3.00 |
| Origin Bancorp | 0 | 3 | 5 | 0 | 2.62 |
Profitability
This table compares International Bancshares and Origin Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| International Bancshares | 38.83% | 12.67% | 2.47% |
| Origin Bancorp | 16.26% | 7.97% | 1.00% |
Risk & Volatility
International Bancshares has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500. Comparatively, Origin Bancorp has a beta of 0.74, suggesting that its stock price is 26% less volatile than the S&P 500.
Earnings & Valuation
This table compares International Bancshares and Origin Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| International Bancshares | $1.06 billion | 4.09 | $412.29 million | $6.63 | 10.48 |
| Origin Bancorp | $597.80 million | 2.74 | $75.20 million | $3.20 | 16.61 |
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.
Insider & Institutional Ownership
65.9% of International Bancshares shares are held by institutional investors. Comparatively, 54.7% of Origin Bancorp shares are held by institutional investors. 13.1% of International Bancshares shares are held by company insiders. Comparatively, 5.3% of Origin Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Summary
International Bancshares beats Origin Bancorp on 14 of the 17 factors compared between the two stocks.
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.
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.
Receive News & Ratings for International Bancshares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for International Bancshares and related companies with MarketBeat.com's FREE daily email newsletter.
