Is OBK or ONBPO more undervalued in 2026?

CirclFi compares Origin Bancorp, Inc. (OBK) and Old National Bancorp - Deposita (ONBPO) using 13 institutional-grade valuation models. OBK has a Quality of Company score of 8.5/10 while ONBPO scores 6.9/10.

Which is a better buy — OBK or ONBPO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do OBK and ONBPO valuations compare?

OBK at $47.42 and ONBPO at $24.89 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OBK vs ONBPO Valuation Comparison 2026 — Intrinsic Value Analysis

OBK

Banks - Regional

Origin Bancorp, Inc.

Quality

8.5

out of 10

Value Trap

—

Price

$47.42

Last close

Models

11/13

Active

ONBPO

Banks - Regional

Old National Bancorp - Deposita

Quality

6.9

out of 10

Value Trap

SAFE

Price

$24.89

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	OBK Fair Value	OBK Upside	ONBPO Fair Value	ONBPO Upside
Bayesian DCF	Intrinsic	$37.67	-20.6%	$4.10	-83.5%
Earnings Power Value	Intrinsic	$37.01	-21.9%	$20.04	-19.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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OBK vs ONBPO — Which Stock Is More Undervalued?

OBK scores higher with a 8.5/10 quality rating vs ONBPO's 6.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Origin Bancorp, Inc. (OBK) and Old National Bancorp - Deposita (ONBPO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

OBK currently trades at $47.42 with a QOC of 8.5/10, while ONBPO trades at $24.89 with a QOC of 6.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).