OP BANCORP (OPBK)

US67109R1095 - Common Stock

9.59  +0.18 (+1.91%)

After market: 9.59 0 (0%)

Fundamental Rating

5

OPBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and the financial health of OPBK get a neutral evaluation. Nothing too spectacular is happening here. OPBK is valued correctly, but it does not seem to be growing. OPBK also has an excellent dividend rating.



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4

1. Profitability

1.1 Basic Checks

In the past year OPBK was profitable.
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 has a better Return On Assets (1.09%) than 69.17% of its industry peers.
The Return On Equity of OPBK (12.17%) is better than 80.10% of its industry peers.
Industry RankSector Rank
ROA 1.09%
ROE 12.17%
ROIC N/A
ROA(3y)1.43%
ROA(5y)1.33%
ROE(3y)15.95%
ROE(5y)13.7%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

OPBK's Profit Margin of 28.29% is fine compared to the rest of the industry. OPBK outperforms 70.63% of its industry peers.
OPBK's Profit Margin has been stable 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) 28.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.09%
PM growth 5Y0.57%
GM growth 3YN/A
GM growth 5YN/A

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5

2. Health

2.1 Basic Checks

OPBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OPBK has less shares outstanding
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

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
WACC23%

2.3 Liquidity

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

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3

3. Growth

3.1 Past

The earnings per share for OPBK have decreased strongly by -27.70% in the last year.
OPBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.59% yearly.
The Revenue for OPBK has decreased by -12.33% in the past year. This is quite bad
The Revenue has been growing by 10.50% on average over the past years. This is quite good.
EPS 1Y (TTM)-27.7%
EPS 3Y21.91%
EPS 5Y11.59%
EPS growth Q2Q-33.33%
Revenue 1Y (TTM)-12.33%
Revenue growth 3Y13.87%
Revenue growth 5Y10.5%
Revenue growth Q2Q-14.99%

3.2 Future

The Earnings Per Share is expected to decrease by -1.33% on average over the next years.
OPBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.76% yearly.
EPS Next Y-18.14%
EPS Next 2Y-1.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.96%
Revenue Next 2Y2.76%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.

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6

4. Valuation

4.1 Price/Earnings Ratio

OPBK is valuated cheaply with a Price/Earnings ratio of 6.23.
91.02% 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 28.06, OPBK is valued rather cheaply.
The Price/Forward Earnings ratio is 7.61, which indicates a rather cheap valuation of OPBK.
85.92% of the companies in the same industry are more expensive than OPBK, based on the Price/Forward Earnings ratio.
OPBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.23
Fwd PE 7.61

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OPBK is valued cheaper than 97.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.19
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.54
EPS Next 2Y-1.33%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.01%, OPBK is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.84, OPBK pays a better dividend. On top of this OPBK pays more dividend than 80.58% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, OPBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.01%

5.2 History

The dividend of OPBK is nicely growing with an annual growth rate of 30.06%!
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 last 3 years.
Dividend Growth(5Y)30.06%
Div Incr Years4
Div Non Decr Years4

5.3 Sustainability

31.00% of the earnings are spent on dividend by OPBK. This is a low number and sustainable payout ratio.
DP31%
EPS Next 2Y-1.33%
EPS Next 3YN/A

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OP BANCORP

NASDAQ:OPBK (5/2/2024, 7:11:27 PM)

After market: 9.59 0 (0%)

9.59

+0.18 (+1.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap143.47M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 5.01%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 6.23
Fwd PE 7.61
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.54
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 12.17%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 28.29%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-27.7%
EPS 3Y21.91%
EPS 5Y
EPS growth Q2Q
EPS Next Y-18.14%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-12.33%
Revenue growth 3Y13.87%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y