OP Bancorp (OPBK)
NASDAQ:OPBK
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OPBK Stock Chart & Stats
$14.26
-$0.11(-0.71%)
At close: 4:00 PM EST
$14.26
-$0.11(-0.71%)
Day’s Range― - ―
52-Week Range$11.52 - $15.27
Previous CloseN/A
Volume3.75K
Average Volume (3M)43.61K
Market Cap
$217.26M
Enterprise Value$167.11M
Total Cash (Recent Filing)$434.00M
Total Debt (Recent Filing)$121.94M
Price to Earnings (P/E)6.8
Beta0.75
Next Earnings
Jul 23, 2026EPS Estimate
0.45Next Dividend Ex-DateN/A
Dividend Yield3.32%
Share Statistics
EPS (TTM)1.71
Shares Outstanding14,890,702
10 Day Avg. Volume60,146
30 Day Avg. Volume43,607
Financial Highlights & Ratios
PEG Ratio0.34
Price to Book (P/B)0.92
Price to Sales (P/S)1.26
P/FCF Ratio8.99
Enterprise Value/Market Cap0.77
Enterprise Value/Revenue1.00
Enterprise Value/Gross Profit1.83
Enterprise Value/Ebitda3.92
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.85
Revenue Forecast (FY)$103.75M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthMulti-year revenue expansion, including a sharp step-up in 2025, indicates durable demand for lending and deposit services. Sustained top-line growth supports scale, underwriting investment, and the ability to absorb cost pressures, strengthening long-term earnings potential.
Cash GenerationRecent full-year free cash flow matching net income with ~1.0x conversion demonstrates improved cash conversion and internal funding capacity. Reliable cash supports dividends, loan growth funding, and capital buffers, enhancing financial flexibility over the medium term.
Capital & Credit QualityA dividend increase alongside improving profitability and low net charge-offs signals conservative underwriting and adequate capital. Strong credit metrics and payout capacity support investor confidence and enable prudent growth without immediate capital constraints.
Bears Say
Higher LeverageMaterial leverage pickup versus earlier years raises balance-sheet sensitivity to rate or credit shocks. Higher debt-to-equity limits flexibility for opportunistic investments, increases funding risk, and could amplify earnings volatility if asset performance weakens.
Margin NormalizationMargins have normalized from peak levels, reducing the earnings cushion from top-line growth. Sustained margin pressure would constrain cash available for reinvestment and dividends, making profitability more reliant on continued loan mix and fee expansion.
Volatile Cash FlowHistorical swings in operating and free cash flow create predictability risk for capital planning. Even with recent recovery, inconsistent cash conversion can strain reserves in downturns and complicate capital distribution or growth strategies over the medium term.
OP Bancorp News
OPBK FAQ
What was OP Bancorp’s price range in the past 12 months?
OP Bancorp lowest stock price was $11.52 and its highest was $15.27 in the past 12 months.
What is OP Bancorp’s market cap?
OP Bancorp’s market cap is $217.26M.
When is OP Bancorp’s upcoming earnings report date?
OP Bancorp’s upcoming earnings report date is Jul 23, 2026 which is in 74 days.
How were OP Bancorp’s earnings last quarter?
OP Bancorp released its earnings results on Apr 23, 2026. The company reported $0.48 earnings per share for the quarter, beating the consensus estimate of $0.405 by $0.075.
Is OP Bancorp overvalued?
According to Wall Street analysts OP Bancorp’s price is currently Overvalued.
Does OP Bancorp pay dividends?
OP Bancorp pays a Quarterly dividend of $0.12 which represents an annual dividend yield of 3.32%. See more information on OP Bancorp dividends here
What is OP Bancorp’s EPS estimate?
OP Bancorp’s EPS estimate is 0.45.
How many shares outstanding does OP Bancorp have?
OP Bancorp has 14,890,702 shares outstanding.
What happened to OP Bancorp’s price movement after its last earnings report?
OP Bancorp reported an EPS of $0.48 in its last earnings report, beating expectations of $0.405. Following the earnings report the stock price went up 1.703%.
Which hedge fund is a major shareholder of OP Bancorp?
Currently, no hedge funds are holding shares in OPBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
OP Bancorp Stock Smart Score
Underperform
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10
Blogger Sentiment
Bullish
OPBK Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 94.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $12.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-6.50%
12-Months-Change
Fundamentals
Return on Equity
12.20%
Trailing 12-Months
Asset Growth
7.39%
Trailing 12-Months
Company Description
OP Bancorp
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. As of January 27, 2022, the company operated nine full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas. It also had four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.
Technical Analysis
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Franklin Financial Services
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Ownership Overview
19.89% Insiders
13.64% Mutual Funds
16.50% Other Institutional Investors
39.57% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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