14.87 USD
+0.08 (+0.54%)
We assign a fundamental rating of 5 out of 10 to OPBK. OPBK was compared to 385 industry peers in the Banks industry. OPBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OPBK is evaluated to be cheap and growing strongly. This does not happen too often!
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.
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
The Return On Assets of OPBK (0.89%) is comparable to the rest of the industry.
The Return On Equity of OPBK (10.55%) is better than 69.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 10.55% | ||
| 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's Profit Margin of 25.46% is in line compared to the rest of the industry. OPBK outperforms 58.70% of its industry peers.
OPBK's Profit Margin has declined in the last couple of years.
OPBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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-11.99%
PM growth 5Y-3.01%
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.
Compared to 1 year ago, OPBK has less shares outstanding
OPBK has less shares outstanding than it did 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
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
WACC21.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OPBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.14%, which is quite good.
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 grown by 13.83% in the past year. This is quite good.
The Revenue has been growing by 8.05% on average over the past years. This is quite good.
EPS 1Y (TTM)12.14%
EPS 3Y-9.58%
EPS 5Y7.68%
EPS Q2Q%25%
Revenue 1Y (TTM)13.83%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%17.98%
3.2 Future
The Earnings Per Share is expected to grow by 16.14% on average over the next years. This is quite good.
OPBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.85% yearly.
EPS Next Y26.95%
EPS Next 2Y19.88%
EPS Next 3Y16.14%
EPS Next 5YN/A
Revenue Next Year15.44%
Revenue Next 2Y12.85%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.47 indicates a reasonable valuation of OPBK.
Compared to the rest of the industry, the Price/Earnings ratio of OPBK indicates a rather cheap valuation: OPBK is cheaper than 88.31% of the companies listed in the same industry.
OPBK is valuated cheaply when we compare the Price/Earnings ratio to 26.43, which is the current average of the S&P500 Index.
OPBK is valuated cheaply with a Price/Forward Earnings ratio of 7.44.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPBK indicates a rather cheap valuation: OPBK is cheaper than 92.21% of the companies listed in the same industry.
OPBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.66, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 7.44 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OPBK is valued a bit cheaper than 75.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.08 | ||
| 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.
A more expensive valuation may be justified as OPBK's earnings are expected to grow with 16.14% in the coming years.
PEG (NY)0.35
PEG (5Y)1.23
EPS Next 2Y19.88%
EPS Next 3Y16.14%
5. Dividend
5.1 Amount
OPBK has a Yearly Dividend Yield of 3.27%.
Compared to an average industry Dividend Yield of 2.70, OPBK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, OPBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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
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 2Y19.88%
EPS Next 3Y16.14%
NASDAQ:OPBK (12/17/2025, 12:16:53 PM)
14.87
+0.08 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.34%
Inst Owner Change10.7%
Ins Owners21.99%
Ins Owner Change0.51%
Market Cap221.41M
Revenue(TTM)91.75M
Net Income(TTM)23.36M
Analysts80
Price Target16.83 (13.18%)
Short Float %2.54%
Short Ratio7.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP30.5%
Div Incr Years0
Div Non Decr Years5
Ex-Date
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)3.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.55%
EPS NY rev (1m)0%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 7.44 | ||
| P/S | 2.41 | ||
| P/FCF | 9.08 | ||
| P/OCF | 7.94 | ||
| P/B | 1 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY10.56%
EPS(NY)2
Fwd EY13.43%
FCF(TTM)1.64
FCFY11.01%
OCF(TTM)1.87
OCFY12.6%
SpS6.16
BVpS14.88
TBVpS14.88
PEG (NY)0.35
PEG (5Y)1.23
Graham Number22.92
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)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
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-11.99%
PM growth 5Y-3.01%
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
WACC21.47%
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)12.14%
EPS 3Y-9.58%
EPS 5Y7.68%
EPS Q2Q%25%
EPS Next Y26.95%
EPS Next 2Y19.88%
EPS Next 3Y16.14%
EPS Next 5YN/A
Revenue 1Y (TTM)13.83%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%17.98%
Revenue Next Year15.44%
Revenue Next 2Y12.85%
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-65.09%
FCF growth 3YN/A
FCF growth 5Y11.8%
OCF growth 1Y-61.34%
OCF growth 3YN/A
OCF growth 5Y10.78%
OP BANCORP / OPBK FAQ
What is the fundamental rating for OPBK stock?
ChartMill assigns a fundamental rating of 5 / 10 to OPBK.
What is the valuation status of OP BANCORP (OPBK) stock?
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.
How financially healthy is OP BANCORP?
The financial health rating of OP BANCORP (OPBK) is 5 / 10.
Can you provide the expected EPS growth for OPBK stock?
The Earnings per Share (EPS) of OP BANCORP (OPBK) is expected to grow by 26.95% in the next year.