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OP Bancorp
(NASDAQ:OPBK)
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Rating:72Outperform
Price Target:
$16.50
â–²(5.36% Upside)
Action:Reiterated
Date:07/24/26
The score is driven primarily by healthy financial performance (strong revenue growth and sustained profitability, tempered by margin compression and cash-flow volatility) and favorable valuation (low P/E and solid dividend yield). Technicals are neutral-to-mixed, while recent corporate events are supportive due to improved profitability and a raised dividend.
Positive Factors
Revenue Growth
Sustained top-line expansion over multiple years indicates a durable ability to grow core banking volumes and fee income. This trend supports scalable operating leverage, underpins loan/deposit growth, and provides a broader earnings base that can sustain capital returns and reinvestment over the next several quarters.
Negative Factors
Margin Compression
A structural decline from peak net margins suggests the business faces sustained pressure on spread income or fee mix. If margins remain compressed, returns on new growth will be lower, reducing internal capital generation and making long-term profit expansion more dependent on cost control or higher-yield assets.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line expansion over multiple years indicates a durable ability to grow core banking volumes and fee income. This trend supports scalable operating leverage, underpins loan/deposit growth, and provides a broader earnings base that can sustain capital returns and reinvestment over the next several quarters.
Read all positive factors
OP Bancorp (OPBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$232.35M
Dividend Yield3.21%
Average Volume (3M)43.61K
Price to Earnings (P/E)8.0
Beta (1Y)0.72
Revenue Growth7.20%
EPS Growth31.23%
CountryUS
Employees249
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.95
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$17.75Price Target Upside13.35% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.01
Revenue Forecast (FY)$103.65M
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. It offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit. It also provides commercial real est...
How the Company Makes Money
OP Bancorp primarily makes money through Open Bank’s core banking activities. The largest earnings driver is typically net interest income: the bank earns interest and fees on loans (such as commercial real estate, commercial and industrial, resid...
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 | 171.76M | 166.66M | 154.05M | 135.85M | 105.83M | 80.17M |
| Gross Profit | 97.13M | 91.10M | 79.28M | 81.22M | 91.55M | 76.52M |
| EBITDA | 48.74M | 42.59M | 30.44M | 34.83M | 48.09M | 41.97M |
| Net Income | 28.97M | 25.66M | 21.07M | 23.92M | 33.31M | 28.84M |
Balance Sheet | ||||||
| Total Assets | 2.74B | 2.65B | 2.37B | 2.15B | 2.09B | 1.73B |
| Cash, Cash Equivalents and Short-Term Investments | 21.81M | 434.00M | 135.06M | 285.56M | 292.78M | 265.90M |
| Total Debt | 109.49M | 121.94M | 102.86M | 114.34M | 10.21M | 10.31M |
| Total Liabilities | 2.51B | 2.42B | 2.16B | 1.96B | 1.92B | 1.56B |
| Stockholders Equity | 238.64M | 227.89M | 204.99M | 192.63M | 176.92M | 165.22M |
Cash Flow | ||||||
| Free Cash Flow | 30.98M | 23.36M | 29.78M | 65.66M | 82.32M | -29.40M |
| Operating Cash Flow | 35.22M | 26.16M | 31.34M | 67.84M | 83.73M | -28.28M |
| Investing Cash Flow | -197.08M | -243.01M | -187.42M | -75.97M | -461.78M | -286.04M |
| Financing Cash Flow | 116.73M | 249.22M | 199.80M | 16.37M | 345.56M | 323.47M |
OP Bancorp Technical Analysis
Positive
15.66
Price Trends
14.77
Positive
14.27
Positive
13.93
Positive
Market Momentum
0.30
Negative
58.70
Neutral
53.15
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 15.66 is above the 20-day moving average (MA) of 15.28, above the 50-day MA of 14.77, and above the 200-day MA of 13.93, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 58.70 is Neutral, neither overbought nor oversold. The STOCH value of 53.15 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $269.06M | 10.21 | 15.01% | 2.14% | 5.11% | 24.08% | |
75 Outperform | $282.21M | 11.45 | 8.92% | 4.32% | -2.20% | 15.76% | |
74 Outperform | $283.78M | 11.48 | 14.00% | 2.14% | 10.02% | 67.92% | |
72 Outperform | $280.97M | 10.82 | 9.48% | 3.30% | -2.70% | 296.51% | |
72 Outperform | $232.35M | 8.00 | 12.59% | 3.19% | 7.20% | 31.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $256.79M | -8.21 | -8.75% | 0.91% | -9.20% | -302.27% |
* Financial Sector Average
OPBK
OP Bancorp
15.75
3.52
28.81%
HWBK
Hawthorn Bancshares
39.73
11.52
40.84%
LCNB
LCNB
19.68
6.11
45.02%
INBK
First Internet Bancorp
29.34
7.82
36.35%
BPRN
Bank of Princeton
42.12
11.64
38.19%
FRAF
Franklin Financial Services
63.40
25.20
65.97%
OP Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
OP Bancorp Reports Strong Q2 Results, Raises Dividend
Positive
Jul 23, 2026
On July 23, 2026, OP Bancorp reported second-quarter 2026 net income of $8.0 million, up from $7.2 million in the first quarter of 2026 and $6.3 million a year earlier, with diluted EPS rising to $0.53. Revenue grew on higher net interest and noni...
Executive/Board ChangesShareholder Meetings
OP Bancorp Shareholders Approve Directors, Pay and Auditor
Positive
May 28, 2026
On May 28, 2026, OP Bancorp held its 2026 annual meeting of shareholders, with 77.33% of outstanding shares represented, to address board elections, executive pay and auditor ratification. Shareholders elected all seven director nominees to one-ye...
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.