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
We assign a fundamental rating of 5 out of 10 to OPBK. OPBK was compared to 381 industry peers in the Banks industry. While OPBK seems to be doing ok healthwise, there are quite some concerns on its profitability. OPBK is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
- OPBK had positive earnings in the past year.
- In the past year OPBK had a positive cash flow from operations.
- In the past 5 years OPBK has always been profitable.
- In multiple years OPBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
- OPBK's Return On Assets of 0.89% is in line compared to the rest of the industry. OPBK outperforms 49.08% of its industry peers.
- Looking at the Return On Equity, with a value of 10.55%, OPBK is in the better half of the industry, outperforming 69.29% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- OPBK's Profit Margin of 25.46% is in line compared to the rest of the industry. OPBK outperforms 58.53% of its industry peers.
- In the last couple of years the Profit Margin of OPBK has grown nicely.
- 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) | 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
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.
- OPBK has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, OPBK has a worse debt to assets ratio.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- Measured over the past years, OPBK shows a quite strong growth in Revenue. The Revenue has been growing by 11.02% on average per year.
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
- OPBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.85% yearly.
- 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- OPBK is valuated reasonably with a Price/Earnings ratio of 8.24.
- Based on the Price/Earnings ratio, OPBK is valued cheaper than 93.70% of the companies in the same industry.
- When comparing the Price/Earnings ratio of OPBK to the average of the S&P500 Index (26.99), we can say OPBK is valued rather cheaply.
- OPBK is valuated cheaply with a Price/Forward Earnings ratio of 7.44.
- OPBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPBK is cheaper than 94.23% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, OPBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 7.44 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, OPBK is valued cheaply inside the industry as 80.05% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.6 | ||
| 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 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
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.41%, OPBK has a reasonable but not impressive dividend return.
- OPBK's Dividend Yield is a higher than the industry average which is at 2.78.
- OPBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
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 30.50% 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.
DP30.5%
EPS Next 2Y12.85%
EPS Next 3YN/A
14.09
+0.13 (+0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)04-22 2026-04-22
Inst Owners65.41%
Inst Owner Change-2.7%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP30.5%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-05 2026-02-05 (0.12)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 8 / 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%.