OP Bancorp (OPBK)
NASDAQ:OPBK
Want to see OPBK full AI Analyst Report?
Top Page
OP Bancorp
(NASDAQ:OPBK)
Select Model
Select Model
Rating:70Outperform
Price Target:
$15.00
â–²(5.19% Upside)
Action:Reiterated
Date:05/16/26
Overall score reflects healthy fundamentals and strong valuation (low P/E and solid dividend yield) as the main positives, supported by a favorable recent corporate update (earnings growth and dividend raise). The key constraint is a neutral-to-soft technical picture and fundamentals that include margin compression, higher leverage versus earlier years, and historically volatile cash flow.
Positive Factors
Revenue Growth
Sustained top-line expansion over multiple years indicates durable loan origination and deposit growth, supporting diversification of interest and fee income. This scale improvement underpins earnings stability, funds reinvestment, and provides runway for continued organic growth over the next 2–6 months and beyond.
Negative Factors
Margin Compression
Material normalization in net margins reduces earnings power per dollar of revenue and raises sensitivity to funding costs and competitive pressure. Lower margins imply the bank must grow volumes or cut costs to restore prior profitability levels, limiting near-term ROE expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line expansion over multiple years indicates durable loan origination and deposit growth, supporting diversification of interest and fee income. This scale improvement underpins earnings stability, funds reinvestment, and provides runway for continued organic growth over the next 2–6 months and beyond.
Read all positive factors
OP Bancorp (OPBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$210.60M
Dividend Yield3.32%
Average Volume (3M)43.61K
Price to Earnings (P/E)6.8
Beta (1Y)0.74
Revenue Growth7.88%
EPS Growth29.20%
CountryUS
Employees231
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.83
Shares Outstanding14,894,239
10 Day Avg. Volume60,146
30 Day Avg. Volume43,607
Financial Highlights & Ratios
PEG Ratio0.34
Price to Book (P/B)0.92
Price to Sales (P/S)1.26
P/FCF Ratio8.99
Enterprise Value/Market Cap0.76
Enterprise Value/Revenue0.95
Enterprise Value/Gross Profit1.71
Enterprise Value/Ebitda3.61
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
OP Bancorp Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
OP Bancorp primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—mainly loans (such a...
OP Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 169.55M | 166.66M | 154.05M | 135.85M | 105.83M | 80.17M |
| Gross Profit | 93.75M | 91.10M | 79.28M | 81.22M | 91.55M | 76.52M |
| EBITDA | 44.47M | 42.59M | 30.44M | 34.83M | 48.09M | 41.97M |
| Net Income | 27.33M | 25.66M | 21.07M | 23.92M | 33.31M | 28.84M |
Balance Sheet | ||||||
| Total Assets | 2.70B | 2.65B | 2.37B | 2.15B | 2.09B | 1.73B |
| Cash, Cash Equivalents and Short-Term Investments | 169.76M | 434.00M | 135.06M | 285.56M | 292.78M | 265.90M |
| Total Debt | 110.11M | 121.94M | 102.86M | 114.34M | 10.21M | 10.31M |
| Total Liabilities | 2.47B | 2.42B | 2.16B | 1.96B | 1.92B | 1.56B |
| Stockholders Equity | 232.71M | 227.89M | 204.99M | 192.63M | 176.92M | 165.22M |
Cash Flow | ||||||
| Free Cash Flow | 23.28M | 23.36M | 29.78M | 65.66M | 82.32M | -29.40M |
| Operating Cash Flow | 28.23M | 26.16M | 31.34M | 67.84M | 83.73M | -28.28M |
| Investing Cash Flow | -220.89M | -243.01M | -187.42M | -75.97M | -461.78M | -286.04M |
| Financing Cash Flow | 154.05M | 249.22M | 199.80M | 16.37M | 345.56M | 323.47M |
OP Bancorp Technical Analysis
Positive
14.26
Price Trends
13.77
Positive
13.76
Positive
13.63
Positive
Market Momentum
0.03
Positive
52.10
Neutral
63.06
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPBK, the sentiment is Positive. The current price of 14.26 is above the 20-day moving average (MA) of 14.21, above the 50-day MA of 13.77, and above the 200-day MA of 13.63, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 52.10 is Neutral, neither overbought nor oversold. The STOCH value of 63.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OPBK.
OP Bancorp Risk Analysis
OP Bancorp disclosed 40 risk factors in its most recent earnings report. OP Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
OP Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $243.79M | 8.59 | 14.66% | 2.39% | 2.72% | 27.37% | |
75 Outperform | $261.90M | 8.65 | 14.13% | 2.51% | 13.96% | 104.63% | |
74 Outperform | $240.09M | 9.20 | 7.26% | 3.50% | 0.47% | 71.88% | |
70 Outperform | $210.60M | 6.84 | 12.20% | 3.32% | 7.88% | 29.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $232.64M | 12.39 | 8.48% | 5.32% | -2.49% | 41.73% | |
58 Neutral | $206.32M | 17.72 | -9.19% | 1.07% | -7.72% | -258.34% |
* Financial Sector Average
OPBK
OP Bancorp
14.14
2.21
18.53%
HWBK
Hawthorn Bancshares
35.35
6.54
22.70%
LCNB
LCNB
16.33
2.66
19.43%
INBK
First Internet Bancorp
23.67
0.33
1.42%
BPRN
Bank of Princeton
35.25
6.18
21.26%
FRAF
Franklin Financial Services
58.29
20.82
55.57%
OP Bancorp Corporate Events
DividendsFinancial Disclosures
OP Bancorp Posts Strong Q1 2026 Results, Raises Dividend
Positive
Apr 23, 2026
On April 23, 2026, OP Bancorp reported first-quarter 2026 net income of $7.2 million, or diluted earnings per share of $0.48, up from $7.0 million and $0.47 in the fourth quarter of 2025 and $5.6 million and $0.37 a year earlier. The period saw re...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.