Origin Bancorp Valuation
Is 36Z undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of 36Z when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 36Z (€32.4) is trading below our estimate of fair value (€66.71)
Significantly Below Fair Value: 36Z is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 36Z?
Key metric: As 36Z is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is 36Z's PE Ratio? | |
|---|---|
| PE Ratio | 14.2x |
| Earnings | US$75.65m |
| Market Cap | US$1.07b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 2.2x |
Price to Earnings Ratio vs Peers
How does 36Z's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 17.2x | ||
PCZ ProCredit Holding | 4.4x | 10.7% | €462.9m |
MBK Merkur PrivatBank KgaA | 10.2x | 8.6% | €109.7m |
BHRB Burke & Herbert Financial Services | 50.5x | 72.5% | US$1.0b |
2558 Jinshang Bank | 3.7x | n/a | HK$8.0b |
36Z Origin Bancorp | 14.2x | 6.4% | €1.1b |
Price-To-Earnings vs Peers: 36Z is good value based on its Price-To-Earnings Ratio (14.2x) compared to the peer average (17.2x).
Price to Earnings Ratio vs Industry
How does 36Z's PE Ratio compare vs other companies in the European Banks Industry?
| 2 Companies | Price / Earnings | Estimated Growth | Market Cap |
|---|---|---|---|
| 2 Companies | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Earnings vs Industry: 36Z is expensive based on its Price-To-Earnings Ratio (14.2x) compared to the European Banks industry average (7.3x).
Price to Earnings Ratio vs Fair Ratio
What is 36Z's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 14.2x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 36Z's Price-To-Earnings Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | €32.40 | €33.65 +3.9% | 3.7% | €34.94 | €32.18 | n/a | 5 |
| Nov ’25 | n/a | €34.36 0% | 6.0% | €37.87 | €32.33 | n/a | 5 |
| Oct ’25 | n/a | €34.87 0% | 6.0% | €37.04 | €31.62 | n/a | 5 |
| Sep ’25 | n/a | €36.03 0% | 5.6% | €37.88 | €32.34 | n/a | 5 |
| Aug ’25 | n/a | €36.03 0% | 5.6% | €37.88 | €32.34 | n/a | 5 |
| Jul ’25 | n/a | €33.93 0% | 7.1% | €36.36 | €29.83 | n/a | 5 |
| Jun ’25 | n/a | €33.93 0% | 7.1% | €36.36 | €29.83 | n/a | 5 |
| May ’25 | n/a | €33.93 0% | 7.1% | €36.36 | €29.83 | n/a | 5 |
| Apr ’25 | n/a | €32.81 0% | 8.5% | €35.42 | €27.96 | n/a | 5 |
| Mar ’25 | n/a | €32.81 0% | 8.5% | €35.42 | €27.96 | n/a | 5 |
| Feb ’25 | n/a | €33.12 0% | 10.7% | €38.29 | €27.68 | n/a | 5 |
| Jan ’25 | n/a | €32.78 0% | 12.0% | €37.68 | €28.15 | n/a | 5 |
| Dec ’24 | n/a | €31.28 0% | 4.9% | €32.60 | €28.35 | n/a | 5 |
| Nov ’24 | n/a | €31.28 0% | 4.9% | €32.60 | €28.35 | n/a | 5 |
| Oct ’24 | n/a | €33.32 0% | 8.8% | €36.17 | €28.56 | n/a | 4 |
| Sep ’24 | n/a | €33.01 0% | 3.6% | €34.60 | €31.87 | n/a | 4 |
| Aug ’24 | n/a | €33.01 0% | 3.6% | €34.60 | €31.87 | n/a | 4 |
| Jul ’24 | n/a | €31.64 0% | 5.9% | €33.93 | €28.43 | n/a | 5 |
| Jun ’24 | n/a | €31.36 0% | 6.0% | €33.73 | €28.26 | n/a | 5 |
| May ’24 | n/a | €31.36 0% | 6.0% | €33.73 | €28.26 | n/a | 5 |
| Apr ’24 | n/a | €39.67 0% | 7.4% | €42.44 | €34.13 | n/a | 5 |
| Mar ’24 | n/a | €41.52 0% | 3.9% | €43.60 | €38.86 | n/a | 5 |
| Feb ’24 | n/a | €41.95 0% | 5.8% | €45.08 | €37.72 | n/a | 5 |
| Jan ’24 | n/a | €45.30 0% | 4.3% | €48.67 | €43.06 | n/a | 5 |
| Dec ’23 | n/a | €51.27 0% | 4.4% | €54.34 | €48.19 | n/a | 5 |
| Nov ’23 | n/a | €50.37 0% | 3.9% | €53.17 | €48.16 | n/a | 5 |
Analyst Forecast: Target price is less than 20% higher than the current share price.
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