OP Bancorp (OPBK)
NASDAQ:OPBK
Want to see OPBK full AI Analyst Report?
OPBK Stock Chart & Stats
$14.12
-$0.11(-0.71%)
At close: 4:00 PM EST
$14.12
-$0.11(-0.71%)
Day’s Range― - ―
52-Week Range$10.99 - $15.27
Previous CloseN/A
Volume3.75K
Average Volume (3M)43.61K
Market Cap
$210.26M
Enterprise Value-$101.81M
Total Cash (Recent Filing)$434.00M
Total Debt (Recent Filing)$121.94M
Price to Earnings (P/E)8.2
Beta0.76
Next Earnings
Apr 23, 2026EPS Estimate
0.41Next Dividend Ex-DateN/A
Dividend Yield3.32%
Share Statistics
EPS (TTM)0.47
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 Cap-0.48
Enterprise Value/Revenue-0.61
Enterprise Value/Gross Profit-1.12
Enterprise Value/Ebitda-2.39
Forecast
1Y Price Target
$16.50Price Target Upside16.86% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.85
Revenue Forecast (FY)$103.75M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained multi-year revenue expansion and a notable 2025 step-up indicate durable business traction across lending and deposit services. Higher top-line scale supports operating leverage, diversification of income streams, and provides a foundation for medium-term profitability and strategic reinvestment.
Cash GenerationStrong cash generation and one-to-one free cash flow conversion in 2025 improve financial flexibility, supporting dividends, capital buffers and loan origination without heavy reliance on external funding. Reliable FCF enhances resilience and funds medium-term strategic initiatives.
Profitability & Capital PositionImproving quarterly profitability, materially lower credit provisions, and a dividend increase signal stronger earnings quality and management confidence. Combined with reported robust capital ratios and stable asset quality, this supports regulatory compliance and sustained shareholder returns over the medium term.
Bears Say
Higher LeverageMeaningfully higher leverage compared with earlier years raises the bank's balance-sheet sensitivity to earnings shocks or rising funding costs. Elevated leverage reduces capital flexibility, increases downside risk to ROE in stress, and may limit capacity for loan growth or dividends if profitability softens.
Margin CompressionLower margins versus prior peak years indicate structural pressure on spread or higher operating costs. If margins do not recover, revenue growth will translate to less incremental profit, constraining retained earnings, capital accumulation and the bank's ability to invest or absorb credit deterioration long term.
Historic Cash Flow VolatilityDespite a 2025 rebound, prior negative operating and free cash flows reveal inconsistent earnings quality and cash conversion. Persistent volatility would force reliance on external financing in downturns, undermining predictable capital deployment, dividend sustainability and long-term strategic planning.
OP Bancorp News
OPBK FAQ
What was OP Bancorp’s price range in the past 12 months?
OP Bancorp lowest stock price was $10.99 and its highest was $15.27 in the past 12 months.
What is OP Bancorp’s market cap?
OP Bancorp’s market cap is $210.26M.
When is OP Bancorp’s upcoming earnings report date?
OP Bancorp’s upcoming earnings report date is Apr 23, 2026 which is in 6 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 14,890,702 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$16.50 (16.86% Upside)
$16.50 (16.86% Upside)
Blogger Sentiment
Bullish
OPBK Sentiment 100%
Sector Average 66%
Sector Average 66%
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
11.75%
Trailing 12-Months
Asset Growth
11.85%
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
▲(16.86% Upside)
Technical Analysis
Hawthorn Bancshares
―
LCNB
―
First Internet Bancorp
―
Bank of Princeton
―
Franklin Financial Services
―
Ownership Overview
19.89% Insiders
13.53% Mutual Funds
21.61% Other Institutional Investors
34.85% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---