13.11 USD
+0.36 (+2.82%)
13.11 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to OPBK. OPBK was compared to 388 industry peers in the Banks industry. While OPBK seems to be doing ok healthwise, there are quite some concerns on its profitability. OPBK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year OPBK was profitable.
OPBK had a positive operating cash flow in the past year.
OPBK had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: OPBK reported negative operating cash flow in multiple years.
1.2 Ratios
OPBK has a Return On Assets of 0.86%. This is comparable to the rest of the industry: OPBK outperforms 47.81% of its industry peers.
OPBK has a Return On Equity of 10.29%. This is in the better half of the industry: OPBK outperforms 65.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 10.29% | ||
| ROIC | N/A |
ROA(3y)1.17%
ROA(5y)1.22%
ROE(3y)13.57%
ROE(5y)13.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OPBK has a Profit Margin (24.99%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of OPBK has declined.
The Operating Margin and Gross Margin are not available for OPBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.99%
PM growth 5Y-3.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OPBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OPBK has been reduced compared to 1 year ago.
The number of shares outstanding for OPBK has been reduced compared to 5 years ago.
OPBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
OPBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OPBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.14%, which is quite good.
OPBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.68% yearly.
OPBK shows a decrease in Revenue. In the last year, the revenue decreased by -1.01%.
The Revenue has been growing by 8.05% on average over the past years. This is quite good.
EPS 1Y (TTM)12.14%
EPS 3Y-9.58%
EPS 5Y7.68%
EPS Q2Q%25%
Revenue 1Y (TTM)-1.01%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%17.98%
3.2 Future
Based on estimates for the next years, OPBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.14% on average per year.
The Revenue is expected to grow by 12.85% on average over the next years. This is quite good.
EPS Next Y26.95%
EPS Next 2Y19.88%
EPS Next 3Y16.14%
EPS Next 5YN/A
Revenue Next Year15.44%
Revenue Next 2Y12.85%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.35 indicates a reasonable valuation of OPBK.
Based on the Price/Earnings ratio, OPBK is valued cheaply inside the industry as 91.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.45, OPBK is valued rather cheaply.
The Price/Forward Earnings ratio is 6.56, which indicates a rather cheap valuation of OPBK.
93.06% of the companies in the same industry are more expensive than OPBK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of OPBK to the average of the S&P500 Index (34.46), we can say OPBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OPBK is valued a bit more expensive than 61.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OPBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
OPBK's earnings are expected to grow with 16.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)1.09
EPS Next 2Y19.88%
EPS Next 3Y16.14%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.76%, OPBK has a reasonable but not impressive dividend return.
OPBK's Dividend Yield is a higher than the industry average which is at 3.35.
Compared to an average S&P500 Dividend Yield of 2.42, OPBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
5.2 History
The dividend of OPBK is nicely growing with an annual growth rate of 19.16%!
OPBK has been paying a dividend for over 5 years, so it has already some track record.
OPBK has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)19.16%
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
OPBK pays out 32.34% of its income as dividend. This is a sustainable payout ratio.
The dividend of OPBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP32.34%
EPS Next 2Y19.88%
EPS Next 3Y16.14%
13.11
+0.36 (+2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.66%
Inst Owner Change10.7%
Ins Owners21.99%
Ins Owner Change0.66%
Market Cap195.21M
Revenue(TTM)82.03M
Net Income(TTM)22.00M
Analysts80
Price Target16.83 (28.38%)
Short Float %2.34%
Short Ratio7.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP32.34%
Div Incr Years0
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.52%
Min EPS beat(2)7.51%
Max EPS beat(2)15.52%
EPS beat(4)3
Avg EPS beat(4)5.97%
Min EPS beat(4)-10.13%
Max EPS beat(4)15.52%
EPS beat(8)5
Avg EPS beat(8)5.01%
EPS beat(12)7
Avg EPS beat(12)2.43%
EPS beat(16)10
Avg EPS beat(16)4.09%
Revenue beat(2)2
Avg Revenue beat(2)2%
Min Revenue beat(2)1.42%
Max Revenue beat(2)2.58%
Revenue beat(4)2
Avg Revenue beat(4)0.21%
Min Revenue beat(4)-3.11%
Max Revenue beat(4)2.58%
Revenue beat(8)4
Avg Revenue beat(8)-0.68%
Revenue beat(12)5
Avg Revenue beat(12)-1.83%
Revenue beat(16)8
Avg Revenue beat(16)0.11%
PT rev (1m)3.13%
PT rev (3m)3.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.35%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 6.56 | ||
| P/S | 2.22 | ||
| P/FCF | 14.14 | ||
| P/OCF | 11.26 | ||
| P/B | 0.91 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY11.98%
EPS(NY)2
Fwd EY15.24%
FCF(TTM)0.93
FCFY7.07%
OCF(TTM)1.16
OCFY8.88%
SpS5.91
BVpS14.35
TBVpS14.35
PEG (NY)0.31
PEG (5Y)1.09
Graham Number22.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 10.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.99% | ||
| GM | N/A | ||
| FCFM | 15.68% |
ROA(3y)1.17%
ROA(5y)1.22%
ROE(3y)13.57%
ROE(5y)13.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.99%
PM growth 5Y-3.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 252.25% | ||
| Cap/Sales | 4.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 62.75% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC22.46%
ROIC/WACCN/A
Cap/Depr(3y)127.05%
Cap/Depr(5y)103.02%
Cap/Sales(3y)2.01%
Cap/Sales(5y)1.72%
Profit Quality(3y)225.48%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.14%
EPS 3Y-9.58%
EPS 5Y7.68%
EPS Q2Q%25%
EPS Next Y26.95%
EPS Next 2Y19.88%
EPS Next 3Y16.14%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.01%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%17.98%
Revenue Next Year15.44%
Revenue Next 2Y12.85%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-86.32%
FCF growth 3YN/A
FCF growth 5Y11.8%
OCF growth 1Y-83.14%
OCF growth 3YN/A
OCF growth 5Y10.78%
OP BANCORP / OPBK FAQ
What is the fundamental rating for OPBK stock?
ChartMill assigns a fundamental rating of 5 / 10 to OPBK.
What is the valuation status of OP BANCORP (OPBK) stock?
ChartMill assigns a valuation rating of 6 / 10 to OP BANCORP (OPBK). This can be considered as Fairly Valued.
What is the profitability of OPBK stock?
OP BANCORP (OPBK) has a profitability rating of 3 / 10.
How financially healthy is OP BANCORP?
The financial health rating of OP BANCORP (OPBK) is 5 / 10.
Can you provide the expected EPS growth for OPBK stock?
The Earnings per Share (EPS) of OP BANCORP (OPBK) is expected to grow by 26.95% in the next year.