OP BANCORP (OPBK) Stock Fundamental Analysis
USA - NASDAQ:OPBK - US67109R1095 - Common Stock
13.64 USD
+0.25 (+1.87%)
Taking everything into account, OPBK scores 5 out of 10 in our fundamental rating. OPBK was compared to 390 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 not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year OPBK was profitable.
OPBK had a positive operating cash flow in the past year.
Each year in the past 5 years OPBK has been profitable.
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
OPBK's Return On Assets of 0.86% is in line compared to the rest of the industry. OPBK outperforms 49.62% of its industry peers.
Looking at the Return On Equity, with a value of 10.29%, OPBK is in the better half of the industry, outperforming 69.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 10.29% | ||
| 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
With a Profit Margin value of 24.99%, OPBK perfoms like the industry average, outperforming 59.59% of the companies in the same industry.
In the last couple of years the Profit Margin of OPBK has declined.
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) | 24.99% | ||
| 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.
OPBK has less shares outstanding than it did 1 year ago.
The number of shares outstanding for OPBK has been reduced compared to 5 years ago.
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.
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
WACC22.12%
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.
OPBK shows a decrease in Revenue. In the last year, the revenue decreased by -1.01%.
Measured over the past years, OPBK shows a quite strong growth in Revenue. The Revenue has been growing by 8.05% on average per year.
EPS 1Y (TTM)12.14%
EPS 3Y-9.58%
EPS 5Y7.68%
EPS Q2Q%25%
Revenue 1Y (TTM)-1.01%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%18%
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 14.64% yearly.
Based on estimates for the next years, OPBK will show a quite strong growth in Revenue. The Revenue will grow by 12.90% on average per year.
EPS Next Y22.84%
EPS Next 2Y17.6%
EPS Next 3Y14.64%
EPS Next 5YN/A
Revenue Next Year15.07%
Revenue Next 2Y12.9%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.69, which indicates a very decent valuation of OPBK.
87.21% 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 26.89, OPBK is valued rather cheaply.
OPBK is valuated cheaply with a Price/Forward Earnings ratio of 7.10.
OPBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPBK is cheaper than 91.05% of the companies in the same industry.
OPBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.69 | ||
| Fwd PE | 7.1 |
4.2 Price Multiples
OPBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.71 | ||
| 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 14.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)1.13
EPS Next 2Y17.6%
EPS Next 3Y14.64%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.58%, OPBK has a reasonable but not impressive dividend return.
OPBK's Dividend Yield is a higher than the industry average which is at 3.53.
Compared to an average S&P500 Dividend Yield of 2.31, OPBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
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 32.34% of its income as dividend. This is a sustainable payout ratio.
The dividend of OPBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP32.34%
EPS Next 2Y17.6%
EPS Next 3Y14.64%
NASDAQ:OPBK (10/24/2025, 8:00:02 PM)
13.64
+0.25 (+1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.66%
Inst Owner Change0.03%
Ins Owners21.99%
Ins Owner Change0.66%
Market Cap203.10M
Revenue(TTM)82.03M
Net Income(TTM)22.00M
Analysts80
Price Target16.32 (19.65%)
Short Float %3.18%
Short Ratio9.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP32.34%
Div Incr Years0
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.52%
Min EPS beat(2)7.51%
Max EPS beat(2)15.52%
EPS beat(4)3
Avg EPS beat(4)5.97%
Min EPS beat(4)-10.13%
Max EPS beat(4)15.52%
EPS beat(8)5
Avg EPS beat(8)5.01%
EPS beat(12)7
Avg EPS beat(12)2.43%
EPS beat(16)10
Avg EPS beat(16)4.09%
Revenue beat(2)2
Avg Revenue beat(2)2%
Min Revenue beat(2)1.42%
Max Revenue beat(2)2.58%
Revenue beat(4)2
Avg Revenue beat(4)0.21%
Min Revenue beat(4)-3.11%
Max Revenue beat(4)2.58%
Revenue beat(8)4
Avg Revenue beat(8)-0.68%
Revenue beat(12)5
Avg Revenue beat(12)-1.83%
Revenue beat(16)8
Avg Revenue beat(16)0.11%
PT rev (1m)0%
PT rev (3m)1.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.84%
EPS NY rev (1m)-0.53%
EPS NY rev (3m)5.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.68%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.69 | ||
| Fwd PE | 7.1 | ||
| P/S | 2.31 | ||
| P/FCF | 14.71 | ||
| P/OCF | 11.71 | ||
| P/B | 0.95 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY11.51%
EPS(NY)1.92
Fwd EY14.09%
FCF(TTM)0.93
FCFY6.8%
OCF(TTM)1.16
OCFY8.54%
SpS5.91
BVpS14.35
TBVpS14.35
PEG (NY)0.38
PEG (5Y)1.13
Graham Number22.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 10.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.99% | ||
| GM | N/A | ||
| FCFM | 15.68% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 252.25% | ||
| Cap/Sales | 4.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 62.75% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC22.12%
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 Y22.84%
EPS Next 2Y17.6%
EPS Next 3Y14.64%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.01%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%18%
Revenue Next Year15.07%
Revenue Next 2Y12.9%
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-86.32%
FCF growth 3YN/A
FCF growth 5Y11.8%
OCF growth 1Y-83.14%
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 6 / 10 to OP BANCORP (OPBK). This can be considered as Fairly Valued.
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 22.84% in the next year.