OP BANCORP (OPBK) Fundamental Analysis & Valuation

NASDAQ:OPBK • US67109R1095

Current stock price

13.13 USD
-0.17 (-1.28%)
At close:
13.13 USD
0 (0%)
After Hours:

This OPBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. OPBK Profitability Analysis

1.1 Basic Checks

  • OPBK had positive earnings in the past year.
  • In the past year OPBK had a positive cash flow from operations.
  • In the past 5 years OPBK has always been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M

1.2 Ratios

  • OPBK's Return On Assets of 0.89% is in line compared to the rest of the industry. OPBK outperforms 44.47% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.55%, OPBK is in the better half of the industry, outperforming 65.53% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 10.55%
ROIC N/A
ROA(3y)0.98%
ROA(5y)1.23%
ROE(3y)11.17%
ROE(5y)13.84%
ROIC(3y)N/A
ROIC(5y)N/A
OPBK Yearly ROA, ROE, ROICOPBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 25.46%, OPBK perfoms like the industry average, outperforming 50.53% of the companies in the same industry.
  • In the last couple of years the Profit Margin of OPBK has grown nicely.
  • OPBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.73%
PM growth 5Y3.3%
GM growth 3YN/A
GM growth 5YN/A
OPBK Yearly Profit, Operating, Gross MarginsOPBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. OPBK Health Analysis

2.1 Basic Checks

  • OPBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OPBK has more shares outstanding than it did 1 year ago.
  • OPBK has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for OPBK is higher compared to a year ago.
OPBK Yearly Shares OutstandingOPBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
OPBK Yearly Total Debt VS Total AssetsOPBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC22.69%
OPBK Yearly LT Debt VS Equity VS FCFOPBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. OPBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.02% over the past year.
  • Measured over the past years, OPBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.00% on average per year.
  • The Revenue has grown by 15.41% in the past year. This is quite good.
  • The Revenue has been growing by 11.02% on average over the past years. This is quite good.
EPS 1Y (TTM)23.02%
EPS 3Y-7.06%
EPS 5Y15%
EPS Q2Q%42.42%
Revenue 1Y (TTM)15.41%
Revenue growth 3Y0.05%
Revenue growth 5Y11.02%
Sales Q2Q%13.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.45% 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 10.21% on average per year.
EPS Next Y9.99%
EPS Next 2Y12.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.83%
Revenue Next 2Y10.21%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
OPBK Yearly Revenue VS EstimatesOPBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 0.5 1 1.5 2

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8

4. OPBK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.68 indicates a rather cheap valuation of OPBK.
  • Based on the Price/Earnings ratio, OPBK is valued cheaper than 92.37% of the companies in the same industry.
  • OPBK is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 6.98, the valuation of OPBK can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OPBK indicates a rather cheap valuation: OPBK is cheaper than 93.42% 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 (22.19), we can say OPBK is valued rather cheaply.
Industry RankSector Rank
PE 7.68
Fwd PE 6.98
OPBK Price Earnings VS Forward Price EarningsOPBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, OPBK is valued cheaply inside the industry as 81.05% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.02
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 12.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)0.51
EPS Next 2Y12.45%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. OPBK Dividend Analysis

5.1 Amount

  • OPBK has a Yearly Dividend Yield of 3.80%.
  • OPBK's Dividend Yield is a higher than the industry average which is at 2.78.
  • OPBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.8%

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 Years0
Div Non Decr Years5
OPBK Yearly Dividends per shareOPBK Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

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 2Y12.45%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M
OPBK Dividend Payout.OPBK Dividend Payout, showing the Payout Ratio.OPBK Dividend Payout.PayoutRetained Earnings

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OPBK Fundamentals: All Metrics, Ratios and Statistics

OP BANCORP

NASDAQ:OPBK (3/27/2026, 8:00:03 PM)

After market: 13.13 0 (0%)

13.13

-0.17 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners64.11%
Inst Owner Change-2.26%
Ins Owners22%
Ins Owner Change0.07%
Market Cap195.51M
Revenue(TTM)94.68M
Net Income(TTM)23.36M
Analysts80
Price Target16.83 (28.18%)
Short Float %1.78%
Short Ratio5.96
Dividend
Industry RankSector Rank
Dividend Yield 3.8%
Yearly Dividend0.48
Dividend Growth(5Y)19.16%
DP30.5%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-05
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.7%
EPS NY rev (3m)-5.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)-1.09%
Valuation
Industry RankSector Rank
PE 7.68
Fwd PE 6.98
P/S 2.13
P/FCF 8.02
P/OCF 7.01
P/B 0.88
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)1.71
EY13.02%
EPS(NY)1.88
Fwd EY14.33%
FCF(TTM)1.64
FCFY12.47%
OCF(TTM)1.87
OCFY14.27%
SpS6.16
BVpS14.88
TBVpS14.88
PEG (NY)0.77
PEG (5Y)0.51
Graham Number23.92
Profitability
Industry RankSector 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)0.98%
ROA(5y)1.23%
ROE(3y)11.17%
ROE(5y)13.84%
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-7.73%
PM growth 5Y3.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector 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
WACC22.69%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)23.02%
EPS 3Y-7.06%
EPS 5Y15%
EPS Q2Q%42.42%
EPS Next Y9.99%
EPS Next 2Y12.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.41%
Revenue growth 3Y0.05%
Revenue growth 5Y11.02%
Sales Q2Q%13.75%
Revenue Next Year8.83%
Revenue Next 2Y10.21%
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 1Y2.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.87%
OCF growth 3YN/A
OCF growth 5YN/A

OP BANCORP / OPBK Fundamental Analysis 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 8 / 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 4 / 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%.