OP Bancorp (OPBK) AI Stock Analysis

• Market Cap: $202.54M
• Dividend Yield: 3.52%
• Average Volume (3M): 124.24K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.72
• Revenue Growth: 12.67%
• EPS Growth: 0.95%
• Country: US
• Employees: 231
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.37
• Shares Outstanding: 14,848,874
• 10 Day Avg. Volume: 256,082
• 30 Day Avg. Volume: 124,237
• PEG Ratio: 0.37
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.06
• Enterprise Value/Market Cap: 0.43
• Enterprise Value/Revenue: 0.18
• Enterprise Value/Gross Profit: 0.76
• Enterprise Value/Ebitda: 3.71
• 1Y Price Target: $15.75
• Price Target Upside: 13.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 81 Outperform
• Price Target: $16.00 ▲(15.11%Upside)

OP Bancorp's overall stock score is driven by strong technical momentum and attractive valuation, supported by robust financial performance. The stock's technical indicators show bullish trends, and it is attractively valued with a low P/E ratio and a strong dividend yield. While financial performance remains strong, monitoring debt levels and cash flow stability is recommended.

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 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.

How the Company Makes Money

OP Bancorp generates revenue primarily through the interest income earned on loans and investments, which is the largest component of its earnings. The bank extends various types of loans, including commercial real estate loans, small business loans, and consumer loans, and earns interest on these loans over their terms. Additionally, OP Bancorp earns income from fees and service charges associated with its deposit products and other banking services. The bank's profitability is also supported by its non-interest income, which includes fees from loan servicing, ATM transactions, and other ancillary financial services. Strategic partnerships and a focus on community engagement also contribute to the bank's ability to attract and retain customers, thereby sustaining its revenue streams.

OP Bancorp Financial Statement Overview

Summary

OP Bancorp demonstrates efficient operations with strong margins, but faces revenue growth challenges. The balance sheet is stable with low leverage, suggesting solid financial health. Cash flow management shows improvement but needs consistent positive cash flow generation for enhanced stability.

Income Statement

OP Bancorp shows strong gross and EBIT margins consistently above 40% and 45% respectively, indicating efficient operations. However, the net profit margin has slightly decreased from 29.4% to 26.6% in the last year, and a notable revenue decline of approximately 15.5% from 2022 to 2023 suggests potential challenges in revenue growth.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.46, reflecting prudent financial leverage. The equity ratio has slightly increased, indicating a stable capital structure. However, stockholder's equity growth is modest, which may limit financial flexibility.

Cash Flow

Free cash flow has fluctuated significantly, with negative values in prior years turning positive in 2023. The absence of recent operating cash flow data limits comprehensive analysis. While free cash flow to net income has improved, consistency remains a concern for sustainable cash flow generation.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	79.28M	81.22M	94.53M	77.04M	56.13M
Gross Profit	79.28M	81.22M	94.53M	77.04M	56.13M
EBITDA	0.00	34.83M	48.09M	41.97M	19.54M
Net Income	21.07M	23.92M	33.31M	28.84M	13.13M
Balance Sheet
Total Assets	2.37B	2.15B	2.09B	1.73B	1.37B
Cash, Cash Equivalents and Short-Term Investments	134.94M	91.22M	292.78M	265.90M	198.20M
Total Debt	102.86M	114.34M	10.26M	10.31M	13.43M
Total Liabilities	2.16B	1.96B	1.92B	1.56B	1.22B
Stockholders Equity	204.99M	192.63M	176.92M	165.24M	143.41M
Cash Flow
Free Cash Flow	29.78M	65.66M	82.32M	-29.40M	-5.47M
Operating Cash Flow	31.34M	67.84M	83.73M	-28.28M	-4.85M
Investing Cash Flow	-187.42M	-75.97M	-461.78M	-286.04M	-147.07M
Financing Cash Flow	0.00	16.37M	345.56M	323.47M	172.29M

OP Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 13.9 is above the 20-day moving average (MA) of 12.34, above the 50-day MA of 12.51, and above the 200-day MA of 13.50, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 71.22 is Negative, neither overbought nor oversold. The STOCH value of 94.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OPBK.

OP Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPBK	81 Outperform	$202.54M	9.61	10.40%	3.52%	12.67%	0.95%
ISTR	77 Outperform	$201.23M	9.31	9.12%	2.15%	6.42%	24.08%
FCCO	73 Outperform	$195.27M	12.80	10.83%	2.36%	19.34%	38.80%
Sector *	67 Neutral	$16.84B	11.72	9.71%	3.76%	11.61%	-9.60%
FSFG	65 Neutral	$178.17M	9.15	11.31%	2.48%	6.76%	161.37%
BCBP	62 Neutral	$151.55M	58.40	1.40%	7.25%	-5.71%	-90.24%
NKSH	60 Neutral	$183.27M	21.13	5.66%	5.07%	16.35%	-39.77%

OP Bancorp Corporate Events

OP Bancorp Holds Annual Shareholder Meeting

On June 26, 2025, OP Bancorp held its annual meeting of shareholders, where four proposals were considered and voted upon. The shareholders elected seven directors, approved executive compensation, decided on the frequency of future compensation votes, and ratified the appointment of Crowe LLP as the independent registered public accounting firm for 2025.

The most recent analyst rating on (OPBK) stock is a Buy with a $16.50 price target. To see the full list of analyst forecasts on OP Bancorp stock, see the OPBK Stock Forecast page.