OP Bancorp (OPBK)
NASDAQ:OPBK
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OP Bancorp
(NASDAQ:OPBK)
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Rating:69Neutral
Price Target:
$15.50
â–²(8.77% Upside)
Action:DowngradedDate:03/14/26
The score is driven primarily by solid fundamentals (strong revenue growth, good profitability, and improved cash conversion) and attractive valuation (low P/E and meaningful dividend yield). This is tempered by weak technical momentum, with the stock trading below major moving averages and negative MACD.
Positive Factors
Sustained Revenue Expansion
Multi-year revenue growth and a sharp 2025 step-up indicate durable business traction across lending and deposit products. Broad top-line expansion supports scale economies, improves diversification of income sources, and provides a firmer base for sustaining earnings and reinvestment over the next 2–6 months and beyond.
Negative Factors
Margin Compression
Sustained margin pressure versus earlier peak years reduces earnings power per dollar of revenue. If funding costs or loan mix remain unfavorable, normalized margins can constrain future net income growth and limit the ability to rapidly lift returns on equity absent further revenue expansion or cost reduction.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Expansion
Multi-year revenue growth and a sharp 2025 step-up indicate durable business traction across lending and deposit products. Broad top-line expansion supports scale economies, improves diversification of income sources, and provides a firmer base for sustaining earnings and reinvestment over the next 2–6 months and beyond.
Read all positive factors
OP Bancorp (OPBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$212.19M
Dividend Yield3.32%
Average Volume (3M)43.61K
Price to Earnings (P/E)8.2
Beta (1Y)0.77
Revenue Growth9.10%
EPS Growth12.36%
CountryUS
Employees231
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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-0.47
Enterprise Value/Revenue-0.60
Enterprise Value/Gross Profit-1.10
Enterprise Value/Ebitda-2.34
Forecast
1Y Price Target
$16.50Price Target Upside15.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
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
63
Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 166.66M | 154.05M | 135.85M | 105.83M | 80.17M |
| Gross Profit | 91.10M | 79.28M | 81.22M | 91.55M | 76.52M |
| EBITDA | 42.59M | 30.44M | 34.83M | 48.09M | 41.97M |
| Net Income | 25.66M | 21.07M | 23.92M | 33.31M | 28.84M |
Balance Sheet | |||||
| Total Assets | 2.65B | 2.37B | 2.15B | 2.09B | 1.73B |
| Cash, Cash Equivalents and Short-Term Investments | 434.00M | 135.06M | 285.56M | 292.78M | 265.90M |
| Total Debt | 121.94M | 102.86M | 114.34M | 10.21M | 10.31M |
| Total Liabilities | 2.42B | 2.16B | 1.96B | 1.92B | 1.56B |
| Stockholders Equity | 227.89M | 204.99M | 192.63M | 176.92M | 165.22M |
Cash Flow | |||||
| Free Cash Flow | 23.36M | 29.78M | 65.66M | 82.32M | -29.40M |
| Operating Cash Flow | 26.16M | 31.34M | 67.84M | 83.73M | -28.28M |
| Investing Cash Flow | -243.01M | -187.42M | -75.97M | -461.78M | -286.04M |
| Financing Cash Flow | 249.22M | 199.80M | 16.37M | 345.56M | 323.47M |
OP Bancorp Technical Analysis
Positive
14.25
Price Trends
13.58
Positive
13.75
Positive
13.58
Positive
Market Momentum
0.21
Negative
67.53
Neutral
91.98
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 14.25 is above the 20-day moving average (MA) of 13.37, above the 50-day MA of 13.58, and above the 200-day MA of 13.58, indicating a bullish trend. The MACD of 0.21 indicates Negative momentum. The RSI at 67.53 is Neutral, neither overbought nor oversold. The STOCH value of 91.98 is Negative, 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 73 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $254.24M | 10.64 | 9.91% | 2.51% | 12.06% | 10.38% | |
69 Neutral | $212.19M | 8.19 | 11.75% | 3.32% | 9.10% | 12.36% | |
68 Neutral | $241.01M | 10.24 | 14.66% | 2.39% | 0.16% | 258.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $244.32M | 12.73 | 6.98% | 3.50% | 12.92% | 56.52% | |
66 Neutral | $241.33M | 10.22 | 8.68% | 5.32% | 5.07% | 228.39% | |
48 Neutral | $201.70M | -5.18 | -9.44% | 1.07% | 2.49% | -248.43% |
* Financial Sector Average
OPBK
OP Bancorp
14.25
4.02
39.34%
HWBK
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LCNB
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17.11
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INBK
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23.41
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4.61%
BPRN
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35.75
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FRAF
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57.30
23.80
71.04%
OP Bancorp Corporate Events
DividendsFinancial Disclosures
OP Bancorp Posts Strong Q4 2025 Earnings, Raises Dividend
Positive
Jan 22, 2026
On January 22, 2026, OP Bancorp reported fourth-quarter 2025 net income of $7.1 million, or diluted earnings per share of $0.47, up from $6.7 million, or $0.45, in the third quarter of 2025 and $5.0 million, or $0.33, in the year-earlier quarter, ...
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.