14.21 USD
-0.27 (-1.86%)
14.21 USD
0 (0%)
OPBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. The financial health of OPBK is average, but there are quite some concerns on its profitability. OPBK has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
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.
OPBK had positive earnings in each of the past 5 years.
In multiple years OPBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
OPBK has a Return On Assets (0.89%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 10.55%, OPBK is in the better half of the industry, outperforming 69.77% of the companies in the same industry.
| 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 has a Profit Margin of 25.46%. This is comparable to the rest of the industry: OPBK outperforms 58.40% of its industry peers.
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) | 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.
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
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
WACC21.82%
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.
Based on estimates for the next years, OPBK will show a quite strong growth in Revenue. The Revenue will grow by 11.28% on average per year.
EPS Next Y26.95%
EPS Next 2Y19.88%
EPS Next 3Y16.14%
EPS Next 5YN/A
Revenue Next Year15.74%
Revenue Next 2Y12.63%
Revenue Next 3Y11.28%
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
OPBK is valuated reasonably with a Price/Earnings ratio of 9.05.
88.37% of the companies in the same industry are more expensive than OPBK, based on the Price/Earnings ratio.
OPBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
The Price/Forward Earnings ratio is 7.11, which indicates a rather cheap valuation of OPBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPBK indicates a rather cheap valuation: OPBK is cheaper than 93.02% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of OPBK to the average of the S&P500 Index (23.88), we can say OPBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.05 | ||
| Fwd PE | 7.11 |
4.2 Price Multiples
OPBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OPBK is cheaper than 75.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.68 | ||
| 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 16.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)1.18
EPS Next 2Y19.88%
EPS Next 3Y16.14%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.31%, OPBK has a reasonable but not impressive dividend return.
OPBK's Dividend Yield is a higher than the industry average which is at 2.86.
OPBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
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.
As OPBK did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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.
The dividend of OPBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP30.5%
EPS Next 2Y19.88%
EPS Next 3Y16.14%
14.21
-0.27 (-1.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.41%
Inst Owner Change0%
Ins Owners21.99%
Ins Owner Change0.02%
Market Cap211.59M
Revenue(TTM)91.75M
Net Income(TTM)23.36M
Analysts80
Price Target16.83 (18.44%)
Short Float %2.43%
Short Ratio6.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP30.5%
Div Incr Years0
Div Non Decr Years5
Ex-DateN/A
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)0.2%
Revenue NQ rev (3m)0.61%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.05 | ||
| Fwd PE | 7.11 | ||
| P/S | 2.31 | ||
| P/FCF | 8.68 | ||
| P/OCF | 7.58 | ||
| P/B | 0.96 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY11.05%
EPS(NY)2
Fwd EY14.06%
FCF(TTM)1.64
FCFY11.52%
OCF(TTM)1.87
OCFY13.18%
SpS6.16
BVpS14.88
TBVpS14.88
PEG (NY)0.34
PEG (5Y)1.18
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
WACC21.82%
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 Year15.74%
Revenue Next 2Y12.63%
Revenue Next 3Y11.28%
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.
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.
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 5 / 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%.