OP BANCORP (OPBK) Fundamental Analysis & Valuation

NASDAQ:OPBK • US67109R1095

Current stock price

14.27 USD
+0.01 (+0.07%)
Last:

This OPBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. OPBK Profitability Analysis

1.1 Basic Checks

  • OPBK had positive earnings in the past year.
  • In the past year OPBK had a positive cash flow from operations.
  • OPBK had positive earnings in each of the past 5 years.
  • Of the past 5 years OPBK 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 0.96%, OPBK is in line with its industry, outperforming 51.86% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.19%, OPBK is in the better half of the industry, outperforming 71.54% of the companies in the same industry.
Industry RankSector Rank
ROA 0.96%
ROE 11.19%
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

  • Looking at the Profit Margin, with a value of 26.94%, OPBK is in line with its industry, outperforming 59.04% of the companies in the same 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) 26.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.76%
PM growth 5Y3.28%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. OPBK Health Analysis

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.
  • The number of shares outstanding for OPBK has been reduced compared to 5 years ago.
  • 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

  • OPBK has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
  • The Debt to FCF ratio of OPBK (1.05) is better than 67.29% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that OPBK is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, OPBK is in the better half of the industry, outperforming 64.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC23.3%
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

More info and screens

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

7

3. OPBK Growth Analysis

3.1 Past

  • OPBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.02%, which is quite impressive.
  • Measured over the past years, OPBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.00% on average per year.
  • Looking at the last year, OPBK shows a quite strong growth in Revenue. The Revenue has grown by 15.41% in the last year.
  • OPBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.02% yearly.
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

  • Based on estimates for the next years, OPBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.45% on average per year.
  • The Revenue is expected to grow by 10.21% on average over the next years. This is quite good.
EPS Next Y9.99%
EPS Next 2Y12.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.83%
Revenue Next 2Y10.21%
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.
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

More info and screens

Find the best growth stocksShow best growing peers

7

4. OPBK Valuation Analysis

4.1 Price/Earnings Ratio

  • OPBK is valuated reasonably with a Price/Earnings ratio of 8.35.
  • 93.62% of the companies in the same industry are more expensive than OPBK, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.95, OPBK is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.59, the valuation of OPBK can be described as very cheap.
  • OPBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPBK is cheaper than 93.88% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.68, OPBK is valued rather cheaply.
Industry RankSector Rank
PE 8.35
Fwd PE 7.59
OPBK Price Earnings VS Forward Price EarningsOPBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 78.99% of the companies in the same industry are more expensive than OPBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.1
EV/EBITDA N/A
OPBK Per share dataOPBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 12.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)0.56
EPS Next 2Y12.45%
EPS Next 3YN/A

More info and screens

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

7

5. OPBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.38%, OPBK has a reasonable but not impressive dividend return.
  • OPBK's Dividend Yield is a higher than the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, OPBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.38%

5.2 History

  • On average, the dividend of OPBK grows each year by 11.59%, 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)11.59%
Div Incr Years0
Div Non Decr Years6
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

  • 27.96% of the earnings are spent on dividend by OPBK. This is a low number and sustainable payout ratio.
  • The dividend of OPBK is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP27.96%
EPS Next 2Y12.45%
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

OPBK Fundamentals: All Metrics, Ratios and Statistics

OP BANCORP

NASDAQ:OPBK (4/20/2026, 8:23:48 PM)

14.27

+0.01 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners63.97%
Inst Owner Change0%
Ins Owners20.3%
Ins Owner Change0.09%
Market Cap212.48M
Revenue(TTM)94.68M
Net Income(TTM)25.51M
Analysts80
Price Target16.83 (17.94%)
Short Float %1.43%
Short Ratio4.53
Dividend
Industry RankSector Rank
Dividend Yield 3.38%
Yearly Dividend0.48
Dividend Growth(5Y)11.59%
DP27.96%
Div Incr Years0
Div Non Decr Years6
Ex-Date02-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.61%
Min EPS beat(2)-5.48%
Max EPS beat(2)0.27%
EPS beat(4)3
Avg EPS beat(4)4.46%
Min EPS beat(4)-5.48%
Max EPS beat(4)15.52%
EPS beat(8)6
Avg EPS beat(8)6.94%
EPS beat(12)8
Avg EPS beat(12)3.62%
EPS beat(16)9
Avg EPS beat(16)1.29%
Revenue beat(2)0
Avg Revenue beat(2)-2.63%
Min Revenue beat(2)-4.21%
Max Revenue beat(2)-1.05%
Revenue beat(4)2
Avg Revenue beat(4)-0.31%
Min Revenue beat(4)-4.21%
Max Revenue beat(4)2.58%
Revenue beat(8)4
Avg Revenue beat(8)-0.06%
Revenue beat(12)4
Avg Revenue beat(12)-1.47%
Revenue beat(16)6
Avg Revenue beat(16)-1.8%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.92%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.8%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.7%
Valuation
Industry RankSector Rank
PE 8.35
Fwd PE 7.59
P/S 2.24
P/FCF 9.1
P/OCF 8.12
P/B 0.93
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)1.71
EY11.98%
EPS(NY)1.88
Fwd EY13.18%
FCF(TTM)1.57
FCFY10.99%
OCF(TTM)1.76
OCFY12.31%
SpS6.36
BVpS15.31
TBVpS15.31
PEG (NY)0.84
PEG (5Y)0.56
Graham Number24.2665 (70.05%)
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 11.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.94%
GM N/A
FCFM 24.67%
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-7.76%
PM growth 5Y3.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.05
Debt/EBITDA N/A
Cap/Depr 38.56%
Cap/Sales 2.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.58%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC23.3%
ROIC/WACCN/A
Cap/Depr(3y)105.6%
Cap/Depr(5y)101.2%
Cap/Sales(3y)2.5%
Cap/Sales(5y)2.09%
Profit Quality(3y)171.71%
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 Y9.99%
EPS Next 2Y12.45%
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 Year8.83%
Revenue Next 2Y10.21%
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-21.56%
FCF growth 3Y-34.29%
FCF growth 5YN/A
OCF growth 1Y-16.54%
OCF growth 3Y-32.14%
OCF growth 5YN/A

OP BANCORP / OPBK Fundamental Analysis 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.


How profitable is OP BANCORP (OPBK) stock?

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


Can you provide the financial health for OPBK stock?

The financial health rating of OP BANCORP (OPBK) is 3 / 10.


What is the earnings growth outlook for OP BANCORP?

The Earnings per Share (EPS) of OP BANCORP (OPBK) is expected to grow by 9.99% in the next year.