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OP Bancorp

Data quality: 100%
OPBK
NASDAQ Financial Services Depository Institutions
$14.25
▲ $0.09 (0.64%)
Mkt Cap: 211.52 M
Price
$14.21
Mkt Cap
211.52 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue grew 19.67% annually over 5 years — strong growth
Earnings grew 21.67% over the past year
ROE of 11.78% — decent returns on equity
Net margin of 800.09% shows strong profitability
Generating 23.36 M in free cash flow
P/E of 8.25 — trading at a low valuation

Growth

Revenue Growth (5Y)
19.67%
Above sector avg (5.76%)
Revenue (1Y)-1.75%
Earnings (1Y)21.67%
FCF Growth (3Y)-40.35%

Quality

Return on Equity
11.78%
Above sector avg (9.22%)
ROICN/A
Net Margin800.09%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|NTM|2027)
8.25 | 6.87 | 6.85
Below sector avg (11.12)
P/B Ratio0.95
EV/EBITDAN/A
Dividend Yield3.38%

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2698 peers)
Metric Stock Sector Median
P/E 8.3 11.1
P/B 1.0 1.2
ROE % 11.8 9.2
Net Margin % 800.1 9.4
Rev Growth 5Y % 19.7 5.8
D/E — 0.5

Analyst Price Target

2 analysts
Buy
Current
$14.25
+15.8%
Target
$16.50
$16.00
$16.50
$17.00
Forecast
Forward P/E 6.87
Forward EPS $2.08
EPS Growth (est.) +12.5%
Est. Revenue 114.90 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $2.08
$2.06 – $2.09
 114.90 M 2
FY2026 $1.85
$1.84 – $1.85
 103.60 M 2

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42025 $0.49 $0.47 -3.1%
Q32025 $0.44 $0.45 +2.3%
Q22025 $0.38 $0.42 +10.5%
Q12025 $0.32 $0.37 +17.5%

ETFs Holding This Stock

BRUSX BRUSX
0.58% weight
BRSIX BRSIX
0.25% weight
BOSVX BOSVX
0.11% weight
DGRS logo DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund
0.06% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.04% weight
GSMRX GSMRX
0.04% weight
GISMX GISMX
0.04% weight
GMSMX GMSMX
0.04% weight
GSCYX GSCYX
0.01% weight
GSCZX GSCZX
0.01% weight

Dividend History

7 yr streak

Yield

3.38%

Payout Ratio

27.91%

Growth (3Y)

2.94%

Growth (5Y)

11.38%

Ex-Date Payment Date Amount Yield
Feb 05, 2026 — $0.12 N/A
Nov 06, 2025 — $0.12 N/A
Aug 07, 2025 — $0.12 N/A
May 08, 2025 — $0.12 N/A
Feb 06, 2025 — $0.12 N/A
Nov 07, 2024 — $0.12 N/A
Aug 08, 2024 — $0.12 N/A
May 08, 2024 — $0.12 N/A
Feb 07, 2024 — $0.12 N/A
Nov 08, 2023 — $0.12 N/A
Aug 09, 2023 — $0.12 N/A
May 10, 2023 — $0.12 N/A
Feb 08, 2023 — $0.12 N/A
Nov 09, 2022 — $0.12 N/A
Aug 10, 2022 — $0.12 N/A
May 11, 2022 — $0.10 N/A
Feb 09, 2022 — $0.10 N/A
Nov 09, 2021 — $0.10 N/A
Aug 04, 2021 — $0.10 N/A
May 05, 2021 — $0.07 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) -1.75% Revenue Growth (3Y) 22.85%
Earnings Growth (1Y) 21.67% Earnings Growth (3Y) 3.53%
Revenue Growth (5Y) 19.67% Earnings Growth (5Y) -2.90%
Profitability
Revenue (TTM) 3.20 M Net Income (TTM) 25.64 M
ROE 11.78% ROA 0.99%
Gross Margin N/A Operating Margin N/A
Net Margin 800.09% Free Cash Flow (TTM) 23.36 M
ROIC N/A FCF Growth (3Y) -40.35%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 221.50 M
Dividends
Dividend Yield 3.38% Payout Ratio 27.91%
Dividend Growth (3Y) 2.94% Dividend Growth (5Y) 11.38%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 8.25 Forward P/E 6.87
P/B Ratio 0.95 P/S Ratio 66.02
PEG Ratio N/A Forward PEG 0.55
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 1.84 Fwd Earnings Yield 14.56%
FCF Yield 11.04%
Market Cap 211.52 M Enterprise Value 44.77 M
Per Share
EPS (Diluted TTM) 1.72 Revenue / Share 0.22
FCF / Share 1.57 OCF / Share 1.76
EPS CAGR (1Y) 23.74% EPS CAGR (5Y) -2.20%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 87.42% FCF Conversion 91.13%
SBC-Adj. FCF 22.60 M Growth Momentum -21.42

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 3.20 M 3.26 M 2.12 M 1.68 M 1.56 M
Net Income 25.64 M 21.07 M 23.92 M 33.31 M 28.84 M
EPS (Diluted) 1.72 1.39 1.55 2.14 1.88
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 7.26 M 1.36 M 1.34 M 1.37 M 1.31 M
Interest Expense 78.35 M 65.61 M 52.98 M 11.30 M 3.13 M
Income Tax 9.69 M 8.01 M 9.57 M 13.41 M 11.82 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.65 B 2.37 B 2.15 B 2.09 B 1.73 B
Total Liabilities 2.42 B 2.16 B 1.96 B 1.92 B 1.56 B
Shareholders' Equity 227.89 M 204.99 M 192.63 M 176.92 M 165.22 M
Total Debt — — — — —
Cash & Equivalents 167.31 M 134.94 M 91.22 M 82.97 M 115.46 M
Current Assets — — — — —
Current Liabilities — — — — —

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
Dividend High Yield Value
#185 of 240
35

Recent Activity

Entered High Yield Value
Apr 12, 2026