First Internet Bancorp (INBK) vs OP Bancorp (OPBK)
First Internet Bancorp and OP Bancorp are both Banks Regional companies. First Internet Bancorp and OP Bancorp are of similar size ($227.4M and $225.6M). First Internet Bancorp has negative trailing earnings, so its P/E is not meaningful; OP Bancorp trades at 7.8×. OP Bancorp grew revenue faster over the last twelve months: 7.14% against −9.20%. OP Bancorp has the higher net margin (16.9% vs −9.77%) and the higher return on invested capital (15.4% vs −9.59%). Both pay a dividend; OP Bancorp yields more (4.96% vs 0.77%). Across the 19 metrics below, OP Bancorp leads on 13 and First Internet Bancorp on 6.
Valuation
Profitability
| Metric | INBK | OPBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 40.91% | 57.65% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (9.77%) | 16.90% | 18.66% |
| Free cash flow margin | 49.69% | 15.72% | 21.18% |
| Return on equity | (8.34%) | 12.83% | 10.64% |
| Return on assets | (0.54%) | 1.09% | 1.13% |
| Return on invested capital | (9.59%) | 15.37% | 8.33% |
Growth
Health
Dividend
Size
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