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OP Bancorp (OPBK)
NASDAQ:OPBK
OPBK Stock Chart & Stats
$13.55
-$0.11(-0.71%)
At close: 4:00 PM EST
$13.55
-$0.11(-0.71%)
Day’s Range― - ―
52-Week Range$10.43 - $15.27
Previous CloseN/A
Volume3.75K
Average Volume (3M)43.61K
Market Cap
$197.83M
Enterprise Value-$114.23M
Total Cash (Recent Filing)$166.87M
Total Debt (Recent Filing)$86.83M
Price to Earnings (P/E)8.2
Beta0.79
Next Earnings
Apr 23, 2026EPS Estimate
0.41Next Dividend Ex-DateN/A
Dividend Yield3.32%
Share Statistics
EPS (TTM)0.47
Shares Outstanding14,885,614
10 Day Avg. Volume60,146
30 Day Avg. Volume43,607
Financial Highlights & Ratios
PEG Ratio-1.08
Price to Book (P/B)1.15
Price to Sales (P/S)1.53
P/FCF Ratio7.89
Enterprise Value/Market Cap-0.58
Enterprise Value/Revenue-0.70
Enterprise Value/Gross Profit-1.31
Enterprise Value/Ebitda-2.97
Forecast
1Y Price Target
$16.50Price Target Upside21.77% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.96
Revenue Forecast (FY)$104.40M
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthSustained revenue expansion across 2020–2024 and into the trailing twelve months indicates durable core franchise growth driven by lending and deposit activity. That trend supports predictable interest income generation, underwriting scale and long-term earnings visibility for the bank.
Strong Cash GenerationFCF tracking near net income shows earnings are largely backed by cash, supporting dividend payments and internal funding for loan growth. Reliable cash conversion enhances resilience to shocks and gives management flexibility to invest in growth or shore up capital over the medium term.
Strengthened Regulatory CapitalRaising $25M of Tier 2 capital increases regulatory buffers and underpins the bank’s capacity to grow risk-weighted assets and lending. Stronger capital ratios reduce regulatory risk and support sustainable expansion of commercial and real estate lending over the coming years.
Bears Say
Increased Leverage Since 2022Material post‑2022 leverage growth reduces balance-sheet flexibility and raises vulnerability to rate or credit stress. Higher debt loads can limit strategic options, elevate funding sensitivity, and require stronger capital generation to maintain regulatory and investor confidence.
Margin Compression & Weaker ROESustained margin compression and a declining ROE indicate the bank is earning less per unit of capital despite revenue gains. This trend pressures long‑term profitability, constrains capital accumulation, and may force strategic responses (pricing, mix shifts) to restore return profiles.
Higher-cost Subordinated Debt BurdenWhile the subordinated notes bolster capital, the 7.5% fixed coupon until 2030 materially raises funding costs for the period. Elevated interest expense can compress net interest margin and reduce net income available to shareholders, weighing on earnings durability until refinancing or coupon reset.
OP Bancorp News
OPBK FAQ
What was OP Bancorp’s price range in the past 12 months?
OP Bancorp lowest stock price was $10.43 and its highest was $15.27 in the past 12 months.
What is OP Bancorp’s market cap?
OP Bancorp’s market cap is $197.83M.
When is OP Bancorp’s upcoming earnings report date?
OP Bancorp’s upcoming earnings report date is Apr 23, 2026 which is in 47 days.
How were OP Bancorp’s earnings last quarter?
OP Bancorp released its earnings results on Jan 22, 2026. The company reported $0.47 earnings per share for the quarter, missing the consensus estimate of $0.485 by -$0.015.
Is OP Bancorp overvalued?
According to Wall Street analysts OP Bancorp’s price is currently Undervalued.
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 0.41.
How many shares outstanding does OP Bancorp have?
OP Bancorp has 14,885,614 shares outstanding.
What happened to OP Bancorp’s price movement after its last earnings report?
OP Bancorp reported an EPS of $0.47 in its last earnings report, missing expectations of $0.485. Following the earnings report the stock price went down -5.948%.
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
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$16.50 (21.77% Upside)
$16.50 (21.77% Upside)
Blogger Sentiment
Bullish
OPBK Sentiment 100%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Decreased
By 94.5K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
-6.50%
12-Months-Change
Fundamentals
Return on Equity
10.99%
Trailing 12-Months
Asset Growth
9.47%
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.
OPBK Stock 12 Month Forecast
Average Price Target
$16.50
▲(21.77% Upside)
Technical Analysis
Hawthorn Bancshares
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LCNB
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First Internet Bancorp
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Bank of Princeton
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Franklin Financial Services
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Ownership Overview
20.45% Insiders
13.64% Mutual Funds
21.62% Other Institutional Investors
34.14% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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