Want to see OPBK full AI Analyst Report?
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$12.41 - $15.73
Previous CloseN/A
Volume3.75K
Average Volume (3M)43.61K
Market Cap
$218.50M
Enterprise Value$161.05M
Total Cash (Recent Filing)$169.76M
Total Debt (Recent Filing)$110.11M
Price to Earnings (P/E)8.1
Beta0.69
Next Earnings
Jul 23, 2026EPS Estimate
0.45Next Dividend Ex-DateN/A
Dividend Yield3.32%
Share Statistics
EPS (TTM)1.83
Shares Outstanding14,894,239
10 Day Avg. Volume60,146
30 Day Avg. Volume43,607
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.92
Price to Sales (P/S)1.26
P/FCF Ratio8.99
Enterprise Value/Market Cap0.74
Enterprise Value/Revenue0.95
Enterprise Value/Gross Profit1.72
Enterprise Value/Ebitda3.46
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.88
Revenue Forecast (FY)$102.55M
Bulls Say, Bears Say
Bulls Say
Sustained Revenue GrowthMulti-year revenue expansion demonstrates durable top-line momentum driven by loan growth and higher net interest and noninterest income. This scale gain supports reinvestment in origination channels, diversification of fee income, and provides a foundation for steady earnings over the next several quarters.
Consistent Profitability And ReturnsLow-teens ROE and positive net margins indicate effective capital deployment and recurring earnings power. Steady profitability supports retained earnings to bolster capital, underpins dividend capacity, and signals a sustainable core banking franchise despite cyclical pressures.
Improving Capital Metrics & Dividend SupportA dividend increase alongside reported improvements in ROA, ROE, book value and equity-to-assets signals adequate capital coverage and management confidence. Combined with shareholder ratification actions, this supports long-term investor alignment and a durable capacity to return capital.
Bears Say
Material Margin CompressionNet margins have roughly halved from earlier peaks, reducing earnings leverage to revenue. If deposit costs or loan yields remain unfavorable, lower margins will persistently constrain net income and limit the firm's ability to grow dividends or rapidly rebuild capital buffers.
Higher Structural LeverageA more levered balance sheet increases sensitivity to credit losses and funding shocks and reduces strategic flexibility. Even with improvement versus 2023, structurally higher leverage than earlier years elevates capital risk in downturns and can pressure regulatory or internal capital remediation needs.
Volatile Cash GenerationCurrent positive free cash flow supports operations, but historical swings (including negative cash flow in 2021) indicate inconsistent conversion of earnings to liquidity. This variability complicates capital planning, raises payout risk in stress periods, and weakens the predictability of shareholder returns.
OP Bancorp News
OPBK FAQ
What was OP Bancorp’s price range in the past 12 months?
OP Bancorp lowest stock price was $12.41 and its highest was $15.73 in the past 12 months.
What is OP Bancorp’s market cap?
OP Bancorp’s market cap is $218.50M.
When is OP Bancorp’s upcoming earnings report date?
OP Bancorp’s upcoming earnings report date is Jul 23, 2026 which is in 12 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 $0.14 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 14,894,239 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
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
OPBK Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 94.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $309.8K 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. It offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit. It also provides commercial real estate, small business administration, home mortgage, and consumer loans. It operates full branch offices in Los Angeles and Orange Counties in California, as well as Santa Clara, California; Carrollton, Texas; Las Vegas, Nevada Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia. The company was founded in 2005 and is headquartered in Los Angeles, California.
Technical Analysis
Hawthorn Bancshares
―
LCNB
―
First Internet Bancorp
―
Bank of Princeton
―
Franklin Financial Services
―
Ownership Overview
9.55% Insiders
13.55% Mutual Funds
23.41% Other Institutional Investors
42.06% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---