OP BANCORP (OPBK) Stock Fundamental Analysis

NASDAQ:OPBK • US67109R1095

14.09 USD
+0.13 (+0.93%)
At close: Feb 20, 2026
14.09 USD
0 (0%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to OPBK. OPBK was compared to 379 industry peers in the Banks industry. While OPBK seems to be doing ok healthwise, there are quite some concerns on its profitability. OPBK has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • OPBK had positive earnings in the past year.
  • OPBK had a positive operating cash flow in the past year.
  • Each year in the past 5 years OPBK has been profitable.
  • In multiple years OPBK reported negative operating cash flow during the last 5 years.
OPBK Yearly Net Income VS EBIT VS OCF VS FCFOPBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of OPBK (0.89%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 10.55%, OPBK is in the better half of the industry, outperforming 68.87% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 10.55%
ROIC N/A
ROA(3y)0.98%
ROA(5y)1.23%
ROE(3y)11.17%
ROE(5y)13.84%
ROIC(3y)N/A
ROIC(5y)N/A
OPBK Yearly ROA, ROE, ROICOPBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of OPBK (25.46%) is comparable to the rest of the industry.
  • OPBK's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for OPBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.73%
PM growth 5Y3.3%
GM growth 3YN/A
GM growth 5YN/A
OPBK Yearly Profit, Operating, Gross MarginsOPBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • OPBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OPBK has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, OPBK has less shares outstanding
  • The debt/assets ratio for OPBK is higher compared to a year ago.
OPBK Yearly Shares OutstandingOPBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
OPBK Yearly Total Debt VS Total AssetsOPBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • There is no outstanding debt for OPBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC21.83%
OPBK Yearly LT Debt VS Equity VS FCFOPBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OPBK Yearly Current Assets VS Current LiabilitesOPBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.02% over the past year.
  • OPBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.00% yearly.
  • The Revenue has grown by 15.41% in the past year. This is quite good.
  • The Revenue has been growing by 11.02% on average over the past years. This is quite good.
EPS 1Y (TTM)23.02%
EPS 3Y-7.06%
EPS 5Y15%
EPS Q2Q%42.42%
Revenue 1Y (TTM)15.41%
Revenue growth 3Y0.05%
Revenue growth 5Y11.02%
Sales Q2Q%13.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.85% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 9.35% on average over the next years. This is quite good.
EPS Next Y10.77%
EPS Next 2Y12.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.57%
Revenue Next 2Y9.35%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
OPBK Yearly Revenue VS EstimatesOPBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
OPBK Yearly EPS VS EstimatesOPBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.24, the valuation of OPBK can be described as very reasonable.
  • OPBK's Price/Earnings ratio is rather cheap when compared to the industry. OPBK is cheaper than 93.67% of the companies in the same industry.
  • OPBK is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 7.44, the valuation of OPBK can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OPBK indicates a rather cheap valuation: OPBK is cheaper than 94.20% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of OPBK to the average of the S&P500 Index (28.02), we can say OPBK is valued rather cheaply.
Industry RankSector Rank
PE 8.24
Fwd PE 7.44
OPBK Price Earnings VS Forward Price EarningsOPBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPBK indicates a somewhat cheap valuation: OPBK is cheaper than 79.68% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.6
EV/EBITDA N/A
OPBK Per share dataOPBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

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 12.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)0.55
EPS Next 2Y12.85%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • OPBK has a Yearly Dividend Yield of 3.44%.
  • Compared to an average industry Dividend Yield of 2.74, OPBK pays a bit more dividend than its industry peers.
  • OPBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

  • On average, the dividend of OPBK grows each year by 19.16%, which is quite nice.
  • 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
OPBK Yearly Dividends per shareOPBK Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 30.50% of the earnings are spent on dividend by OPBK. This is a low number and sustainable payout ratio.
  • The dividend of OPBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP30.5%
EPS Next 2Y12.85%
EPS Next 3YN/A
OPBK Yearly Income VS Free CF VS DividendOPBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M
OPBK Dividend Payout.OPBK Dividend Payout, showing the Payout Ratio.OPBK Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

OP BANCORP

NASDAQ:OPBK (2/20/2026, 8:00:01 PM)

After market: 14.09 0 (0%)

14.09

+0.13 (+0.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners65.41%
Inst Owner Change-2.26%
Ins Owners21.99%
Ins Owner Change0.02%
Market Cap209.80M
Revenue(TTM)94.68M
Net Income(TTM)23.36M
Analysts80
Price Target16.83 (19.45%)
Short Float %1.71%
Short Ratio4.82
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP30.5%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.89%
Min EPS beat(2)0.27%
Max EPS beat(2)7.51%
EPS beat(4)3
Avg EPS beat(4)3.29%
Min EPS beat(4)-10.13%
Max EPS beat(4)15.52%
EPS beat(8)6
Avg EPS beat(8)6.73%
EPS beat(12)8
Avg EPS beat(12)2.97%
EPS beat(16)10
Avg EPS beat(16)2.33%
Revenue beat(2)1
Avg Revenue beat(2)0.18%
Min Revenue beat(2)-1.05%
Max Revenue beat(2)1.42%
Revenue beat(4)2
Avg Revenue beat(4)-0.04%
Min Revenue beat(4)-3.11%
Max Revenue beat(4)2.58%
Revenue beat(8)4
Avg Revenue beat(8)-0.01%
Revenue beat(12)4
Avg Revenue beat(12)-1.92%
Revenue beat(16)7
Avg Revenue beat(16)-0.5%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-5.18%
EPS NY rev (3m)-5.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)-0.94%
Revenue NY rev (3m)-1.32%
Valuation
Industry RankSector Rank
PE 8.24
Fwd PE 7.44
P/S 2.29
P/FCF 8.6
P/OCF 7.52
P/B 0.95
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)1.71
EY12.14%
EPS(NY)1.89
Fwd EY13.44%
FCF(TTM)1.64
FCFY11.62%
OCF(TTM)1.87
OCFY13.3%
SpS6.16
BVpS14.88
TBVpS14.88
PEG (NY)0.77
PEG (5Y)0.55
Graham Number23.92
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 10.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.46%
GM N/A
FCFM 26.58%
ROA(3y)0.98%
ROA(5y)1.23%
ROE(3y)11.17%
ROE(5y)13.84%
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-7.73%
PM growth 5Y3.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 58.94%
Cap/Sales 3.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 104.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC21.83%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)23.02%
EPS 3Y-7.06%
EPS 5Y15%
EPS Q2Q%42.42%
EPS Next Y10.77%
EPS Next 2Y12.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.41%
Revenue growth 3Y0.05%
Revenue growth 5Y11.02%
Sales Q2Q%13.75%
Revenue Next Year8.57%
Revenue Next 2Y9.35%
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 1Y2.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.87%
OCF growth 3YN/A
OCF growth 5YN/A

OP BANCORP / OPBK FAQ

What is the fundamental rating for OPBK stock?

ChartMill assigns a fundamental rating of 5 / 10 to OPBK.


Can you provide the valuation status for OP BANCORP?

ChartMill assigns a valuation rating of 7 / 10 to OP BANCORP (OPBK). This can be considered as Undervalued.


What is the profitability of OPBK stock?

OP BANCORP (OPBK) has a profitability rating of 3 / 10.


What is the financial health of OP BANCORP (OPBK) stock?

The financial health rating of OP BANCORP (OPBK) is 4 / 10.


How sustainable is the dividend of OP BANCORP (OPBK) stock?

The dividend rating of OP BANCORP (OPBK) is 6 / 10 and the dividend payout ratio is 30.5%.