Head-To-Head Comparison: Origin Bancorp (NYSE:OBK) & CoastalSouth Bancshares (NYSE:COSO)

Origin Bancorp (NYSE:OBK) and CoastalSouth Bancshares (NYSE:COSO) are both small-cap financial services companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, earnings, dividends, profitability, risk, valuation and analyst recommendations.

Valuation and Earnings

This table compares Origin Bancorp and CoastalSouth Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Origin Bancorp	$619.96 million	1.69	$76.49 million	$1.91	17.71
CoastalSouth Bancshares	$70.50 million	3.60	N/A	N/A	N/A

Origin Bancorp has higher revenue and earnings than CoastalSouth Bancshares.

Analyst Ratings

This is a breakdown of current recommendations for Origin Bancorp and CoastalSouth Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Origin Bancorp	0	1	4	1	3.00
CoastalSouth Bancshares	0	1	1	0	2.50

Origin Bancorp currently has a consensus target price of $43.40, suggesting a potential upside of 28.31%. Given Origin Bancorp’s stronger consensus rating and higher possible upside, research analysts plainly believe Origin Bancorp is more favorable than CoastalSouth Bancshares.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Origin Bancorp	10.23%	5.05%	0.62%
CoastalSouth Bancshares	N/A	N/A	N/A

Insider and Institutional Ownership

54.7% of Origin Bancorp shares are owned by institutional investors. 6.4% of Origin Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Origin Bancorp beats CoastalSouth Bancshares on 10 of the 11 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 CoastalSouth Bancshares

CoastalSouth Bancshares, Inc. is a bank holding company headquartered in Atlanta, Georgia. Through our wholly owned subsidiary, Coastal States Bank, a South Carolina state-chartered commercial bank, we offer a full range of banking products and services designed for businesses, real estate professionals, and consumers looking for a deep and meaningful relationship with their bank. Today, we have a community banking presence in some of the fastest growing and most business-friendly markets in the U.S., namely the Lowcountry of South Carolina (Hilton Head Island, Bluffton, and Beaufort), nearby Savannah, Georgia, and the Atlanta, Georgia market. — In addition to our traditional community banking operations, we operate four specialty lines of business that provide scalability and diversification: • Senior Housing Lending – focuses on lending to operators across the spectrum of senior care, with an emphasis on assisted living; • Marine Lending – focuses on consumer loans primarily to high-net-worth borrowers secured by yachts and high-end sport fishing vessels; • Government Guaranteed Lending – focuses on origination of small business and other loans guaranteed by the SBA and USDA; and • Mortgage Banker Finance – focuses on mortgage warehouse lending to mortgage originators. By combining the relationship-based focus of a community bank with our specialty lines of business, we believe we can capitalize on the substantial growth opportunities available in our markets, particularly given the scarcity of community banks between $1.5 billion and $5.0 billion in total assets. Our principal executive offices are located in Atlanta, Georgia.