OP BANCORP(NASDAQ:OPBK) stock Fundamental Analysis

Fundamental Rating

OPBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. The financial health of OPBK is average, but there are quite some concerns on its profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on OPBK.

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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

Looking at the Return On Assets, with a value of 0.87%, OPBK is in line with its industry, outperforming 55.70% of the companies in the same industry.

OPBK's Return On Equity of 10.09% is fine compared to the rest of the industry. OPBK outperforms 67.59% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	10.09%
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 better Profit Margin (25.23%) than 60.25% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	25.23%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

OPBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for OPBK has been reduced compared to 1 year ago.

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

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

WACC22.82%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.43% over the past year.

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 decreased by -1.01% in the past year.

The Revenue has been growing by 8.05% on average over the past years. This is quite good.

EPS 1Y (TTM)1.43%

EPS 3Y-9.58%

EPS 5Y7.68%

EPS Q2Q%8.82%

Revenue 1Y (TTM)-1.01%

Revenue growth 3Y2.11%

Revenue growth 5Y8.05%

Sales Q2Q%13.62%

3.2 Future

The Earnings Per Share is expected to grow by 15.07% on average over the next years. This is quite good.

The Revenue is expected to grow by 11.89% on average over the next years. This is quite good.

EPS Next Y6.66%

EPS Next 2Y15.07%

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.12, the valuation of OPBK can be described as very reasonable.

Based on the Price/Earnings ratio, OPBK is valued cheaper than 86.58% of the companies in the same industry.

When comparing the Price/Earnings ratio of OPBK to the average of the S&P500 Index (24.21), we can say OPBK is valued rather cheaply.

With a Price/Forward Earnings ratio of 7.04, the valuation of OPBK can be described as very cheap.

90.13% of the companies in the same industry are more expensive than OPBK, based on the Price/Forward Earnings ratio.

OPBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.44.

		Industry Rank	Sector Rank
PE	9.12
Fwd PE	7.04

4.2 Price Multiples

88.35% of the companies in the same industry are more expensive than OPBK, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	6.48
EV/EBITDA	N/A

4.3 Compensation for Growth

OPBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as OPBK's earnings are expected to grow with 15.07% in the coming years.

PEG (NY)1.37

PEG (5Y)1.19

EPS Next 2Y15.07%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

OPBK has a Yearly Dividend Yield of 3.75%. Purely for dividend investing, there may be better candidates out there.

OPBK's Dividend Yield is a higher than the industry average which is at 3.42.

Compared to an average S&P500 Dividend Yield of 2.41, OPBK pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.75%

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.

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 Years4

Div Non Decr Years5

5.3 Sustainability

OPBK pays out 34.52% 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.

DP34.52%

EPS Next 2Y15.07%

EPS Next 3YN/A

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OP BANCORP

NASDAQ:OPBK (5/12/2025, 4:05:07 PM)

After market: 12.95 0 (0%)

12.95

+0.07 (+0.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners63.16%

Inst Owner Change-2.9%

Ins Owners21.72%

Ins Owner Change0.28%

Market Cap193.08M

Analysts80

Price Target16.07 (24.09%)

Short Float %0.21%

Short Ratio0.57

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.75%

Yearly Dividend0.48

Dividend Growth(5Y)19.16%

DP34.52%

Div Incr Years4

Div Non Decr Years5

Ex-Date05-08 2025-05-08 (0.12)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.43%

Min EPS beat(2)-10.13%

Max EPS beat(2)10.99%

EPS beat(4)3

Avg EPS beat(4)9.42%

Min EPS beat(4)-10.13%

Max EPS beat(4)19.24%

EPS beat(8)5

Avg EPS beat(8)3.2%

EPS beat(12)6

Avg EPS beat(12)0.23%

EPS beat(16)10

Avg EPS beat(16)6.78%

Revenue beat(2)0

Avg Revenue beat(2)-1.58%

Min Revenue beat(2)-3.11%

Max Revenue beat(2)-0.05%

Revenue beat(4)2

Avg Revenue beat(4)0.19%

Min Revenue beat(4)-3.11%

Max Revenue beat(4)2.45%

Revenue beat(8)2

Avg Revenue beat(8)-2.05%

Revenue beat(12)4

Avg Revenue beat(12)-2.3%

Revenue beat(16)8

Avg Revenue beat(16)0.16%

PT rev (1m)-17.11%

PT rev (3m)-17.11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.34%

EPS NY rev (3m)-0.34%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)2.83%

Revenue NY rev (3m)2.72%

Valuation

		Industry Rank	Sector Rank
PE	9.12
Fwd PE	7.04
P/S	2.35
P/FCF	6.48
P/OCF	6.16
P/B	0.94
P/tB	0.94
EV/EBITDA	N/A

EPS(TTM)1.42

EY10.97%

EPS(NY)1.84

Fwd EY14.21%

FCF(TTM)2

FCFY15.42%

OCF(TTM)2.1

OCFY16.23%

SpS5.5

BVpS13.75

TBVpS13.75

PEG (NY)1.37

PEG (5Y)1.19

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	10.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.23%
GM	N/A
FCFM	36.3%

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	114.77%
Cap/Sales	1.9%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	143.92%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC22.82%

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)1.43%

EPS 3Y-9.58%

EPS 5Y7.68%

EPS Q2Q%8.82%

EPS Next Y6.66%

EPS Next 2Y15.07%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.01%

Revenue growth 3Y2.11%

Revenue growth 5Y8.05%

Sales Q2Q%13.62%

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-54.64%

FCF growth 3YN/A

FCF growth 5Y11.8%

OCF growth 1Y-53.8%

OCF growth 3YN/A

OCF growth 5Y10.78%

OP BANCORP (OPBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens