OPBK Fundamental Analysis - OP BANCORP

Fundamental Rating

Taking everything into account, OPBK scores 5 out of 10 in our fundamental rating. OPBK was compared to 393 industry peers in the Banks industry. While OPBK seems to be doing ok healthwise, there are quite some concerns on its profitability. OPBK scores decently on growth, while it is valued quite cheap. This could make an interesting combination.

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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.

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

Looking at the Return On Assets, with a value of 0.84%, OPBK is in line with its industry, outperforming 50.89% of the companies in the same industry.

The Return On Equity of OPBK (10.02%) is better than 66.92% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	10.02%
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 (24.85%) 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)	24.85%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, OPBK has less shares outstanding

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

WACC22.89%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.03% over the past year.

OPBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.68% yearly.

The Revenue has decreased by -1.01% in the past year.

The Revenue has been growing by 8.05% on average over the past years. This is quite good.

EPS 1Y (TTM)8.03%

EPS 3Y-9.58%

EPS 5Y7.68%

EPS Q2Q%16.67%

Revenue 1Y (TTM)-1.01%

Revenue growth 3Y2.11%

Revenue growth 5Y8.05%

Sales Q2Q%16.25%

3.2 Future

OPBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.57% yearly.

Based on estimates for the next years, OPBK will show a quite strong growth in Revenue. The Revenue will grow by 12.86% on average per year.

EPS Next Y16.6%

EPS Next 2Y15.57%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.26%

Revenue Next 2Y12.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

OPBK is valuated reasonably with a Price/Earnings ratio of 8.65.

Based on the Price/Earnings ratio, OPBK is valued cheaply inside the industry as 88.55% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of OPBK to the average of the S&P500 Index (26.82), we can say OPBK is valued rather cheaply.

A Price/Forward Earnings ratio of 6.90 indicates a rather cheap valuation of OPBK.

Based on the Price/Forward Earnings ratio, OPBK is valued cheaply inside the industry as 89.06% of the companies are valued more expensively.

OPBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.

		Industry Rank	Sector Rank
PE	8.65
Fwd PE	6.9

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPBK indicates a rather cheap valuation: OPBK is cheaper than 91.09% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	5.12
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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 15.57% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.52

PEG (5Y)1.13

EPS Next 2Y15.57%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

OPBK has a Yearly Dividend Yield of 3.71%. Purely for dividend investing, there may be better candidates out there.

OPBK's Dividend Yield is a higher than the industry average which is at 3.40.

Compared to an average S&P500 Dividend Yield of 2.35, OPBK pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.71%

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.

As OPBK did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)19.16%

Div Incr Years0

Div Non Decr Years5

5.3 Sustainability

OPBK pays out 33.82% of its income as dividend. This is a sustainable payout ratio.

OPBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP33.82%

EPS Next 2Y15.57%

EPS Next 3YN/A

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OP BANCORP

NASDAQ:OPBK (8/1/2025, 8:00:02 PM)

After market: 12.99 +0.19 (+1.48%)

12.8

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners63.22%

Inst Owner Change0.3%

Ins Owners21.83%

Ins Owner Change0.94%

Market Cap190.59M

Analysts80

Price Target16.07 (25.55%)

Short Float %3.59%

Short Ratio3.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.71%

Yearly Dividend0.48

Dividend Growth(5Y)19.16%

DP33.82%

Div Incr Years0

Div Non Decr Years5

Ex-Date08-07 2025-08-07 (0.12)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.7%

Min EPS beat(2)-10.13%

Max EPS beat(2)15.52%

EPS beat(4)3

Avg EPS beat(4)8.9%

Min EPS beat(4)-10.13%

Max EPS beat(4)19.24%

EPS beat(8)5

Avg EPS beat(8)4.3%

EPS beat(12)6

Avg EPS beat(12)1.45%

EPS beat(16)10

Avg EPS beat(16)6.24%

Revenue beat(2)1

Avg Revenue beat(2)-0.27%

Min Revenue beat(2)-3.11%

Max Revenue beat(2)2.58%

Revenue beat(4)2

Avg Revenue beat(4)0.47%

Min Revenue beat(4)-3.11%

Max Revenue beat(4)2.58%

Revenue beat(8)3

Avg Revenue beat(8)-1.13%

Revenue beat(12)5

Avg Revenue beat(12)-1.6%

Revenue beat(16)8

Avg Revenue beat(16)0.21%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)10.06%

EPS NY rev (1m)0.99%

EPS NY rev (3m)9.32%

Revenue NQ rev (1m)0.22%

Revenue NQ rev (3m)2.46%

Revenue NY rev (1m)0.3%

Revenue NY rev (3m)3.15%

Valuation

		Industry Rank	Sector Rank
PE	8.65
Fwd PE	6.9
P/S	2.25
P/FCF	5.12
P/OCF	4.75
P/B	0.91
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)1.48

EY11.56%

EPS(NY)1.86

Fwd EY14.5%

FCF(TTM)2.5

FCFY19.54%

OCF(TTM)2.7

OCFY21.06%

SpS5.69

BVpS14.11

TBVpS14.11

PEG (NY)0.52

PEG (5Y)1.13

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	10.02%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.85%
GM	N/A
FCFM	43.97%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	215.96%
Cap/Sales	3.42%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	176.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC22.89%

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)8.03%

EPS 3Y-9.58%

EPS 5Y7.68%

EPS Q2Q%16.67%

EPS Next Y16.6%

EPS Next 2Y15.57%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.01%

Revenue growth 3Y2.11%

Revenue growth 5Y8.05%

Sales Q2Q%16.25%

Revenue Next Year15.26%

Revenue Next 2Y12.86%

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-67.41%

FCF growth 3YN/A

FCF growth 5Y11.8%

OCF growth 1Y-65.33%

OCF growth 3YN/A

OCF growth 5Y10.78%

OP BANCORP (OPBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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