Logo image of OPBK

OP BANCORP (OPBK) Stock Fundamental Analysis

NASDAQ:OPBK - Nasdaq - US67109R1095 - Common Stock - Currency: USD

13.48  -0.17 (-1.25%)

After market: 13.48 0 (0%)

Fundamental Rating

5

OPBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. While OPBK seems to be doing ok healthwise, there are quite some concerns on its profitability. OPBK is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M

1.2 Ratios

With a Return On Assets value of 0.84%, OPBK perfoms like the industry average, outperforming 51.13% of the companies in the same industry.
OPBK has a Return On Equity of 10.02%. This is in the better half of the industry: OPBK outperforms 66.00% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 10.02%
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
OPBK Yearly ROA, ROE, ROICOPBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 24.85%, OPBK is in line with its industry, outperforming 57.18% of the companies in the same industry.
OPBK's Profit Margin has declined 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) 24.85%
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
OPBK Yearly Profit, Operating, Gross MarginsOPBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

5

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.
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.
OPBK Yearly Shares OutstandingOPBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
OPBK Yearly Total Debt VS Total AssetsOPBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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
WACC22.54%
OPBK Yearly LT Debt VS Equity VS FCFOPBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

More info and screens

6

3. Growth

3.1 Past

OPBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.43%.
The Earnings Per Share has been growing slightly by 7.68% on average over the past years.
Looking at the last year, OPBK shows a small growth in Revenue. The Revenue has grown by 5.56% in the last year.
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)1.43%
EPS 3Y-9.58%
EPS 5Y7.68%
EPS Q2Q%8.82%
Revenue 1Y (TTM)5.56%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%13.64%

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 15.41% yearly.
The Revenue is expected to grow by 11.89% on average over the next years. This is quite good.
EPS Next Y15.47%
EPS Next 2Y15.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.2%
Revenue Next 2Y11.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.
OPBK Yearly Revenue VS EstimatesOPBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 0.5 1 1.5 2

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.49, the valuation of OPBK can be described as reasonable.
OPBK's Price/Earnings ratio is rather cheap when compared to the industry. OPBK is cheaper than 87.41% of the companies in the same industry.
OPBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
A Price/Forward Earnings ratio of 7.28 indicates a rather cheap valuation of OPBK.
88.41% of the companies in the same industry are more expensive than OPBK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of OPBK to the average of the S&P500 Index (21.76), we can say OPBK is valued rather cheaply.
Industry RankSector Rank
PE 9.49
Fwd PE 7.28
OPBK Price Earnings VS Forward Price EarningsOPBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OPBK is valued cheaply inside the industry as 89.92% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.37
EV/EBITDA N/A
OPBK Per share dataOPBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

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 15.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.24
EPS Next 2Y15.41%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

OPBK has a Yearly Dividend Yield of 3.52%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, OPBK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, OPBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.52%

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
OPBK Yearly Dividends per shareOPBK Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

33.82% of the earnings are spent on dividend by OPBK. This is a low number and sustainable payout ratio.
OPBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.82%
EPS Next 2Y15.41%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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

OP BANCORP

NASDAQ:OPBK (7/11/2025, 8:00:02 PM)

After market: 13.48 0 (0%)

13.48

-0.17 (-1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners63.22%
Inst Owner Change0%
Ins Owners21.83%
Ins Owner Change0.94%
Market Cap200.18M
Analysts80
Price Target16.07 (19.21%)
Short Float %0.4%
Short Ratio0.49
Dividend
Industry RankSector Rank
Dividend Yield 3.52%
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP33.82%
Div Incr Years0
Div Non Decr Years5
Ex-Date05-08 2025-05-08 (0.12)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.7%
Min EPS beat(2)-10.13%
Max EPS beat(2)15.52%
EPS beat(4)3
Avg EPS beat(4)8.9%
Min EPS beat(4)-10.13%
Max EPS beat(4)19.24%
EPS beat(8)5
Avg EPS beat(8)4.3%
EPS beat(12)6
Avg EPS beat(12)1.45%
EPS beat(16)10
Avg EPS beat(16)6.24%
Revenue beat(2)1
Avg Revenue beat(2)-0.27%
Min Revenue beat(2)-3.11%
Max Revenue beat(2)2.58%
Revenue beat(4)2
Avg Revenue beat(4)0.47%
Min Revenue beat(4)-3.11%
Max Revenue beat(4)2.58%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
Revenue beat(12)5
Avg Revenue beat(12)-1.6%
Revenue beat(16)8
Avg Revenue beat(16)0.21%
PT rev (1m)0%
PT rev (3m)-17.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.5%
EPS NY rev (1m)0%
EPS NY rev (3m)7.88%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)2.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.72%
Valuation
Industry RankSector Rank
PE 9.49
Fwd PE 7.28
P/S 2.36
P/FCF 5.37
P/OCF 4.99
P/B 0.95
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)1.42
EY10.53%
EPS(NY)1.85
Fwd EY13.73%
FCF(TTM)2.51
FCFY18.61%
OCF(TTM)2.7
OCFY20.05%
SpS5.7
BVpS14.15
TBVpS14.15
PEG (NY)0.61
PEG (5Y)1.24
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 10.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.85%
GM N/A
FCFM 43.97%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 215.96%
Cap/Sales 3.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 176.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC22.54%
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)1.43%
EPS 3Y-9.58%
EPS 5Y7.68%
EPS Q2Q%8.82%
EPS Next Y15.47%
EPS Next 2Y15.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.56%
Revenue growth 3Y2.11%
Revenue growth 5Y8.05%
Sales Q2Q%13.64%
Revenue Next Year13.2%
Revenue Next 2Y11.89%
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-67.41%
FCF growth 3YN/A
FCF growth 5Y11.8%
OCF growth 1Y-65.33%
OCF growth 3YN/A
OCF growth 5Y10.78%