OP Bancorp OPBK

15.18 0.07 0.46% as of 25 Sep
Market cap
$225.6M
P/E
7.8×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 0.32
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — 1 — — 1 — — —
Insider Ownership 20.08%

Capital & Financial Ratios

Market Cap 225.63
Revenue 171.77
Net Income 28.95
Free Cash Flow 27.01
Net Debt (75.42)
Current Ratio 1.02
Debt/Equity 0.42
P/E ratio 7.78
P/S ratio 1.32
P/B ratio 0.95
Past 5Y EPS Growth 6.25%
This Y EPS Growth 16.57%
Next Y EPS Growth 2.74%
Next 5Y EPS Growth 16.27%
in millions of $

Dividends

Payout Ratio 0.25
Annual Dividend Rate 0.48
Annual Dividend Yield 4.96%
total individual payouts
2027 Powerpack
2026 0.56
0.12
0.14
0.14
2025 0.48
0.12
0.12
0.12
0.12
2024 0.48
0.12
0.12
0.12
0.12
2023 0.48
0.12
0.12
0.12
0.12
2022 0.44
0.10
0.10
0.12
0.12
2021 0.31
0.07
0.07
0.07
0.10
2020 0.28
0.07
0.07
0.07
0.07
2019 0.20
0.05
0.05
0.05
0.05
2018 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 91 135 167 175
Receivables — — — —
Inventory — — — —
Other — — — —
1,845 2,081 2,355 2,437
2023 2024 2025 Q'26
Payables 1,808 2,027 2,281 2,368
ST’ Debt — — — —
Other — — — —
1,820 2,043 2,295 2,384
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 17.52% 20.94% 16.34%
Cash Flow 11.32% 0.00% (32.14%)
Earnings 16.53% 14.67% (7.70%)
Book Value 0.00% 9.71% 8.81%

Revenue

Mar Jun Sep Dec Year
’26 43 44 — — —
’25 40 42 43 43 167
’24 36 39 40 39 154
’23 33 34 34 35 136
’22 22 26 28 30 106
’21 17 18 21 25 80
’20 17 15 16 17 64
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 8 (7) — — —
’25 6 (7) 24 4 26
’24 (3) 16 13 5 31
’23 45 9 15 (1) 68
’22 13 22 46 3 84
’21 5 (34) (23) 24 (28)
’20 2 (4) (24) 21 (5)
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 8 (7) — — —
’25 4 (8) 23 3 23
’24 (3) 16 13 4 30
’23 44 8 15 (2) 66
’22 12 22 46 3 82
’21 5 (34) (24) 23 (29)
’20 2 (5) (24) 21 (5)
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.48 0.53 — — —
’25 0.37 0.42 0.45 0.47 1.72
’24 0.34 0.36 0.36 0.33 1.39
’23 0.48 0.39 0.33 0.34 1.55
’22 0.53 0.54 0.55 0.51 2.14
’21 0.33 0.42 0.54 0.59 1.88
’20 0.21 0.16 0.23 0.25 0.85
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
5.64 6.95 8.07 8.10 5.54 7.40 10.25 7.50 8.91 10.43

Analyst estimates 2026–2028

Powerpack
Low Price
7.70 9.95 14.10 11.00 10.72 14.00 14.86 11.87 18.57 16.07
High Price
— 1,290 154 168 173 193 221 222 231 249
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
41 49 59 70 64 80 106 136 154 167
Revenue
91.72% 90.72% 84.66% 79.34% 87.13% 96.09% 89.32% 61.00% 53.25% 56.81%
Gross Margin
12 17 19 22 18 41 47 33 29 35
EBT
30.26% 34.76% 32.76% 31.45% 28.30% 50.71% 44.15% 24.65% 18.88% 21.20%
EBT Margin
7 9 14 17 13 29 33 24 21 26
Net Income
3 3 4 1 2 1 2 4 5 7
Depreciation
3.18 3.77 3.93 4.46 4.24 5.31 6.98 8.97 10.36 11.21
Revenue/Sh
0.58 0.71 0.92 1.04 0.85 1.89 2.15 1.55 1.39 1.72
Earnings/Sh
0.83 (0.16) 2.03 1.21 (0.32) (1.87) 5.52 4.47 2.10 1.76
Cash Flow/Sh
(0.02) (0.03) (0.08) (0.11) (0.04) (0.07) (0.09) (0.14) (0.10) (0.19)
Capex/Sh
0.81 (0.20) 1.95 1.10 (0.36) (1.95) 5.43 4.33 2.00 1.57
Free CF/Sh
6.36 7.00 8.59 8.93 9.43 10.95 11.66 12.71 13.78 15.32
Book Value/Sh
13 13 15 16 15 15 15 15 15 15
Shares
13.83 13.83 9.64 9.88 9.06 6.75 5.21 7.15 11.37 8.26
PE Ratio
0.00 2.59 2.26 2.33 1.82 2.40 1.61 1.23 1.53 1.26
PS Ratio
0.00 1.40 1.03 1.16 0.82 1.17 0.97 0.87 1.15 0.92
PB Ratio
0.00 1.82 1.37 1.24 0.24 1.02 0.92 1.33 1.27 0.85
EV/Sales
0.00 (41.71) 2.76 5.07 (2.87) (2.79) 1.19 2.75 6.58 6.09
EV/FCF
11 (2) 31 19 (5) (28) 84 68 31 26
Op' Cash Flow
0 0 (1) (2) (1) (1) (1) (2) (2) (3)
Capex
10 (3) 29 17 (5) (29) 82 66 30 23
FCF
28 47 40 48 20 (27) (95) 25 37 60
Working Cap'
10 25 — 10 5 — — 105 95 100
Total Debt
(10) (38) (78) (76) (101) (115) (83) 14 (40) (68)
Net Debt
81 91 130 141 143 165 177 193 205 228
Sh' Equity
1.85% 1.07% 1.42% 1.47% 1.02% 1.84% 1.71% 1.11% 0.92% 1.02%
ROA
10.82% 20.11% 23.36% 21.34% 27.10% 51.06% 31.09% 10.14% 11.01% 13.79%
ROIC
8.13% 10.27% 12.50% 12.11% 9.11% 18.48% 19.06% 12.69% 10.41% 11.84%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

OP Bancorp (OPBK) key facts

  • OP Bancorp (OPBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • OP Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $166.7 million, up 8.19% from fiscal 2024.
  • As of September 25, 2026, OPBK traded at $15.18, a market capitalization of $225.6 million.
  • OP Bancorp pays an annual dividend of $0.48 per share, a yield of 4.96%, with a payout ratio of 24.6%.
  • Return on equity was 11.8% and debt-to-equity 0.42.

Source: company filings (standardised) and stockrow calculations.

OP Bancorp (OPBK) Latest News

News by impact score

Fine-tune

23 Jul

3

OP Bancorp reported second quarter 2026 net income of $8.0 million and diluted EPS of $0.53. Quarterly earnings results influence short-term stock performance and investor views on financial results.

3

OP Bancorp (OPBK) is being evaluated for its potential as a value investment. Analysts are considering its financial health, market position, and growth prospects. The stock's performance in relation to its intrinsic value is under scrutiny, with various factors influencing investor sentiment. The article highlights the importance of assessing OPBK's fundamentals and market conditions before making investment decisions. Moderate influence is expected due to the evaluation of OPBK's financial health and market position.

23 Apr

3

OP Bancorp reported first quarter 2026 net income of $7.2 million and diluted EPS of $0.48. Quarterly earnings report reveals solid net income and EPS, moderately influencing financial performance and investor sentiment.

22 Jan

4

OP Bancorp reported its Q4 earnings, highlighting key financial metrics and performance indicators. The results showed a notable increase in net income and improvements in asset quality. The bank's loan portfolio demonstrated growth, contributing to overall profitability. Management provided insights into future strategies and market conditions, indicating a positive outlook for the upcoming quarters. Significant improvements in financial performance and strategic insights suggest a positive trajectory for OP Bancorp.

3

OP Bancorp reported a net income of $7.1 million for the fourth quarter of 2025, resulting in a diluted earnings per share (EPS) of $0.47. This performance reflects the company's financial stability and growth during the quarter. The reported net income and EPS indicate a moderately positive influence on financial performance.

19 Dec

3

OP Bancorp (OPBK) is being evaluated for its potential as a value investment. Analysts are considering its financial performance, market position, and growth prospects. The stock's valuation metrics are being compared to industry peers, and there are discussions about its recent performance trends and future outlook. Investors are weighing the risks and rewards associated with buying OPBK shares in the current market environment. Moderate influence on financial performance and market sentiment is expected due to current evaluations and comparisons.

5 Dec

4

OP Bancorp (NASDAQ: OPBK) has delivered an impressive 128% return to its investors over the past five years, reflecting strong financial performance and effective management strategies. The company's growth trajectory has garnered positive attention in the market, indicating robust investor confidence and potential for continued success. The significant return on investment suggests strong operational performance and positive market sentiment that could influence future growth.

3 Dec

4

Investors may be undervaluing OP Bancorp (OPBK) as the bank shows strong fundamentals and growth potential. Analysts highlight its solid financial performance, including increased net interest income and improved asset quality. Despite these strengths, the stock price remains low, suggesting a potential buying opportunity for investors. Market conditions and competitive pressures are also discussed, indicating that OPBK could outperform its peers if it capitalizes on its current advantages. Strong fundamentals and growth potential indicate significant impact on future performance and investor sentiment.

19 Nov

3

OP Bancorp (OPBK) has been highlighted as one of the best income stocks to consider for investment on November 19th. The company is recognized for its strong financial performance and potential for dividend growth, making it an attractive option for income-focused investors. Analysts suggest that OPBK's solid fundamentals and market positioning could lead to favorable returns in the near future. The recognition of OPBK as a strong income stock indicates a moderately noticeable influence on its market performance and investor sentiment.

10 Nov

3

OP Bancorp has successfully closed a $25 million issuance of 7.50% fixed-to-floating rate subordinated notes. The notes are intended to enhance the bank's capital position and support its growth strategy. The fixed-to-floating rate structure allows for an initial fixed interest rate for a specified period, after which the rate will float based on market conditions. This move is part of OP Bancorp's ongoing efforts to strengthen its financial foundation and expand its operations. The issuance of subordinated notes is expected to moderately influence OP Bancorp's financial performance and capital structure.

30 Oct

4

Investors may be undervaluing OP Bancorp (OPBK) as recent financial metrics suggest potential for growth. The bank has shown resilience in a challenging economic environment, with solid loan growth and improved asset quality. Analysts highlight the company's strong fundamentals and attractive valuation compared to peers, indicating that current stock prices may not reflect its true worth. Market sentiment could shift positively if OPBK continues to demonstrate strong performance and strategic initiatives. Strong fundamentals and potential for growth indicate significant impact on future performance and investor sentiment.

25 Oct

4

OP Bancorp (OPBK) has reported earnings growth that surpasses its five-year trend, reinforcing positive valuation narratives for the company. This growth indicates a strong performance relative to historical data, suggesting a favorable outlook for investors and stakeholders. Earnings growth that outpaces historical trends is likely to significantly influence investor sentiment and the company's future performance.

23 Oct

3

OP Bancorp reported its Q3 earnings, showcasing a notable increase in net income and improved asset quality. The bank's total assets grew, driven by a rise in loans and deposits. Additionally, the company highlighted its strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the earnings report reflects a positive trajectory for OP Bancorp amidst a competitive banking landscape. The earnings report indicates moderate improvements in financial performance and operational efficiency, which may influence market sentiment but are not expected to drastically alter the company's trajectory.

3

OP Bancorp reported a net income of $6.7 million for the third quarter of 2025, translating to a diluted earnings per share (EPS) of $0.45. This performance reflects the company's ongoing financial stability and growth in the competitive banking sector. The reported net income and EPS indicate moderate financial performance, which may influence investor sentiment but is not expected to significantly alter the company's trajectory.

13 Sep

3

OP Bancorp (NASDAQ:OPBK) is significantly influenced by institutional investors, who hold 56% of the company's shares. This substantial ownership suggests that institutional stakeholders play a crucial role in the company's governance and strategic direction, potentially impacting its future performance and market dynamics. The high level of institutional ownership may moderately influence OP Bancorp's strategic decisions and market sentiment.

28 Aug

3

OP Bancorp has announced a new stock repurchase program, which allows the company to buy back up to $5 million of its common stock. This initiative is part of OP Bancorp's strategy to enhance shareholder value and reflects confidence in its financial position. The program will be executed in accordance with applicable laws and regulations, and the timing and amount of repurchases will depend on market conditions and other factors. The stock repurchase program is expected to moderately influence investor sentiment and financial performance.

26 Aug

3

OP Bancorp (OPBK) is being evaluated for its potential as a value investment. Analysts are considering its financial metrics, market position, and growth prospects. The bank's performance in the current economic climate, including interest rates and competition, is also under scrutiny. Investors are weighing the risks and rewards associated with OPBK stock, particularly in light of recent market trends and the company's strategic initiatives. Current market conditions and strategic initiatives may moderately influence OP Bancorp's financial performance and competitive positioning.

8 Aug

4

Investors may be undervaluing OP Bancorp (OPBK) as the company shows strong fundamentals and growth potential. Recent financial performance indicates resilience, with a solid balance sheet and strategic initiatives aimed at expanding market presence. Analysts suggest that the current stock price does not reflect the company's true value, presenting a potential buying opportunity for investors. Market sentiment may shift as more investors recognize the bank's strengths and growth trajectory. Strong fundamentals and growth potential indicate significant impact on future performance and investor sentiment.

3 Aug

3

OP Bancorp (NASDAQ: OPBK) is poised for positive market performance as it approaches its upcoming ex-dividend date. The stock is viewed favorably, indicating potential for growth and investor interest. Analysts suggest that the dividend announcement may attract more investors, enhancing the company's appeal in the financial sector. The upcoming ex-dividend date is likely to influence investor sentiment and short-term market performance.

27 Jul

4

OP Bancorp reported its second quarter 2025 earnings, surpassing analysts' expectations. The bank demonstrated strong financial performance, driven by increased loan demand and improved asset quality. Key metrics showed growth in net income and earnings per share, reflecting effective management strategies and a favorable economic environment. Investors reacted positively to the results, indicating confidence in the bank's future prospects. Strong earnings performance and positive market reaction suggest significant influence on future growth and investor sentiment.

25 Jul

3

OP Bancorp (OPBK) reported a net income of $6.3 million for its second quarter, translating to earnings of 42 cents per share. The Los Angeles-based bank's revenue for the period was $41.6 million, with revenue net of interest expense reaching $23.7 million, exceeding analysts' expectations. The reported earnings and revenue exceeding forecasts indicate a moderately positive influence on financial performance.

24 Jul

3

OP Bancorp reported a net income of $6.3 million for the second quarter of 2025, translating to diluted earnings per share of $0.42. This performance reflects the bank's ongoing financial health and operational stability in a competitive market. The reported earnings indicate stable financial performance, which may influence investor sentiment but is not expected to significantly alter the company's trajectory.

21 Jul

4

OP Bancorp (OPBK) has been upgraded to a Strong Buy rating by analysts, reflecting positive sentiment regarding the company's financial health and growth prospects. The upgrade is based on strong performance indicators and favorable market conditions that suggest potential for significant returns. Investors are encouraged to consider this upgrade as a signal of confidence in OPBK's future performance. The upgrade to Strong Buy indicates a significant positive shift in investor sentiment and expectations for future performance.

7 Jul

4

Investors may be undervaluing OP Bancorp (OPBK) as the bank shows strong fundamentals and growth potential. Recent financial performance indicates resilience, with increasing assets and a solid loan portfolio. Analysts suggest that the current stock price does not reflect the bank's true value, presenting a potential buying opportunity for investors. Market conditions and strategic initiatives could further enhance OPBK's position in the competitive landscape. Strong fundamentals and growth potential indicate significant impact on future performance and investor sentiment.

1 Jul

4

OP Bancorp (OPBK) is highlighted as a strong momentum stock, showcasing impressive performance metrics and growth potential. Analysts suggest that the company's strategic initiatives and market positioning could lead to continued upward momentum. Investors are encouraged to consider OPBK for their portfolios, given its favorable outlook and robust financial health. Strong momentum and strategic initiatives are likely to significantly influence future performance and investor sentiment.

19 Jun

4

OP Bancorp (OPBK) is currently rated #2 (Buy) by Zacks and has an A grade for Value, indicating it may be undervalued. The stock's P/E ratio stands at 6.6, significantly lower than the industry average of 12.49. OPBK's P/B ratio is 0.83 compared to the industry's 1.79, and its P/S ratio is 1.11 against an industry average of 2.04. Additionally, OPBK's P/CF ratio of 6.64 is well below the industry's 17.90. These metrics suggest that OPBK is likely undervalued, making it an attractive option for value investors. The strong value metrics and favorable Zacks Rank indicate a significant potential for OPBK's future performance.

17 Jun

3

OP Bancorp (NASDAQ:OPBK) shareholders experienced a 12% decline in share price over the past month, but the stock has risen 68% over five years, trailing the market's 99% return. Earnings per share (EPS) grew at 8.2% annually, lower than the 11% increase in share price, indicating improved market sentiment. The total shareholder return (TSR) over five years was 106%, primarily due to dividends. In the last year, the TSR was 27%, surpassing the five-year annual TSR of 16%, suggesting positive sentiment. Investors are encouraged to consider insider trading activity for further insights. Earnings growth and positive shareholder returns indicate moderate influence on future performance.

3 Jun

4

OP Bancorp (OPBK) is currently rated #1 (Strong Buy) by Zacks, with an A for Value, indicating it may be undervalued. The stock has a Forward P/E ratio of 6.99, significantly lower than the industry's average of 12.86. Its P/B ratio stands at 0.87 compared to the industry average of 1.82, and its P/S ratio is 1.13 versus 2.04 for the industry. Additionally, OPBK's P/CF ratio of 6.99 is favorable compared to the industry's 18.34. These metrics suggest that OPBK is an attractive value stock with a strong earnings outlook. The strong valuation metrics and Zacks Rank indicate significant potential for OPBK's future performance.

24 Apr

3

OP Bancorp reported its Q1 earnings, highlighting key financial metrics and performance indicators. The bank showed growth in net income and assets, reflecting a positive trend in its operations. The earnings report also included insights into loan growth and deposit trends, indicating a stable financial position amidst market conditions. Overall, the results suggest a solid performance for OP Bancorp in the first quarter. The earnings report indicates moderate growth and stability, which may influence investor sentiment and financial performance.

3 earnings

OP Bancorp reported a net income of $5.6 million for the first quarter of 2025, an increase from $5.0 million in the previous quarter, with diluted earnings per share rising to $0.37. The company saw growth in net interest income, net interest margin, and total assets, while provisions for credit losses decreased. Total deposits and gross loans also increased, reflecting strong financial performance. Despite economic uncertainties, OP Bancorp remains optimistic about future growth, focusing on strategic goals. The company declared a quarterly cash dividend of $0.12 per share. The financial results indicate moderate growth and stability, which may positively influence market sentiment but are not transformative for the company's trajectory.

stockrow.com/OPBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com