OP Bancorp (OPBK)

NGM – Real Time Price. Currency in USD

14.00

-0.03 (-0.21%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 14$
Day's range: 13.63 - 14.07$
52-week range: 11.52 - 15.27$
Volume: 49 022
Average volume: 36 585
Beta: 0.89
EPS (TTM): 1.83
PE ratio (TTM): 7.67
Forward P/E: 7.47
Market cap: 208 469 827
Shares outstanding: 14 890 702
Dividend yield: $3.42 (3.42%)
Next earnings date: 2026-07-23
Sector: Financials
Industry: Banks - Regional

About the company

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 estate, small business administration, home mortgage, and consumer loans. It operates full branch offices in Los Angeles and Orange Counties in California, as well as Santa Clara, Cal... read more

CEO: Sang Kyo Oh
Country: United States
IPO Date: 2018-03-28
Employees: 249
Fiscal Year End: January - December
Website: https://www.myopenbank.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: OPBK

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Overall Score

4.7 / 1047%

Financial Strength

5.6

Profitability

4.6

Effectiveness

Growth

5.5

Forecast

5.3

Valuation

5.7

Dividend

5.8

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $110.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.5) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.07	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.47	0.05	7.0
Debt to Assets	0.04	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	106M	136M	154M	167M	170M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	47M	33M	29M	35M	38M
Net Income	33M	23M	21M	26M	27M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	40.36	0.44	10
Net margin %	29.46	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.98	1.46	2.0
ROE	11.46	14.94	7.0
ROIC	9.02	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	6.17	5.95	5.0
Next quarter	6.84	4.44	4.5
Current year	8.1	9.01	6.0
Next year	9.67	7.47	5.5
Weighted average score			5.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-0.33	2.48	2.13	N/A	2.0
Y/Y	7.44	31.86	29.73	N/A	6.5
3y average	16.45	-5.3	-4.7	3.67	3.8
5y average	21.29	23.78	24.18	19.53	9.8
Weighted average score					5.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	7.91	11.16	8.2
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.23	3.37	5.6
P/B	0.93	1.53	8.0
Weighted average score			5.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR11.58%

FCF 5 year CAGR4

Fair value30.49$

Stock price14$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.31	3.31	8.0
Payout ratio	25.67	25.67	4.0
5-year dividend growth rate	11.38	11.38	10
Years of dividend increase	0.00	0.00	1.0
Weighted average score			5.8

Fair Value

$30.49

UndervaluedStock priceOvervalued

$14

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Sang Kyo Oh

Country

United States

IPO Date

2018-03-28

Employees

249

Fiscal Year End

January - December

Website

https://www.myopenbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.07

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.47

0.05

7.0

Debt to Assets

0.04

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

106M

136M

154M

167M

170M

Gross Profit

N/A

Operating Income

47M

33M

29M

35M

38M

Net Income

33M

23M

21M

26M

27M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

40.36

0.44

Net margin %

29.46

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.98

1.46

2.0

ROE

11.46

14.94

7.0

ROIC

9.02

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

6.17

5.95

5.0

Next quarter

6.84

4.44

4.5

Current year

8.1

9.01

6.0

Next year

9.67

7.47

5.5

Weighted average score

5.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-0.33

2.48

2.13

N/A

2.0

Y/Y

7.44

31.86

29.73

N/A

6.5

3y average

16.45

-5.3

-4.7

3.67

3.8

5y average

21.29

23.78

24.18

19.53

9.8

Weighted average score

5.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

7.91

11.16

8.2

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.23

3.37

5.6

P/B

0.93

1.53

8.0

Weighted average score

5.7

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.31

8.0

Payout ratio

25.67

4.0

5-year dividend growth rate

11.38

Years of dividend increase

0.00

1.0

Weighted average score

5.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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OP Bancorp (OPBK)

Stock details

About the company

Revenue Breakdown

News

Chart: OPBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$30.49

$14

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: OPBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$30.49

$14

Economic Moat