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OP Bancorp

Datakwaliteit: 100%
OPBK
NASDAQ Financial Services Depository Institutions
€ 14,12
▼ € 0,05 (-0,35%)
6 months return
—
Momentum
Neutral
5Y revenue growth
19,67%

Groei

Revenue Growth (5Y)
19,67%
Boven sectorgemiddelde (5,76%)
Revenue (1Y)-1,75%
Earnings (1Y)21,67%
FCF Growth (3Y)-40,35%

Kwaliteit

Return on Equity
11,78%
Boven sectorgemiddelde (9,21%)
ROICN/A
Net Margin800,09%
Op. MarginN/A

Veiligheid

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

Waardering

PE (TTM|NTM|2027)
8,25 | 6,87 | 6,85
Onder sectorgemiddelde (11,13)
P/B Ratio0,95
EV/EBITDAN/A
Dividend Yield3,38%

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

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

Price History

Financiële Trends

Koersdoel Analisten

2 analisten
Buy
+16.9%
upside to target
Huidig
€ 14,12
Consensus Target
€ 16,50
€ 16,00
Laag
€ 17,00
Hoog
Vooruitzicht
Forward K/W
6,87
Forward WPA
€ 2,08
WPA Groei (sch.)
+12,5%
Omzet Sch.
114,90 M

Winstverassingen

EPS
Reported Estimate Forecast
Next: Q1 2026 · EPS Est: € 0,41 · Rev Est: 24,40 M
Q12025 Q22025 Q32025 Q42025 Q1 '26 Q2 '26
Reported € 0,37 € 0,42 € 0,45 € 0,47 — —
Estimate € 0,32 € 0,38 € 0,44 € 0,49 € 0,41 € 0,46
Verrassing +17,46% +10,53% +2,27% -3,09% — —

Growth

Rev 5Y: 19,67% · Earnings 1Y: 21,67%
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

ROE: 11,78% · Net Margin: 800,09%
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

D/E: N/A · Current: N/A
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

Yield: 3,38% · Payout: 27,91%
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: 8,25 · EV/EBITDA: N/A
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: 1,72 · FCF/Share: 1,57
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

FCF Conv: 91,13% · CapEx/Rev: 87,42%
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 — — — — —

Sectorvergelijking

vs Financial Services sector mediaan (6628 peers)
Metriek Aandeel Sector Mediaan
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

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

Dividendgeschiedenis

Rendement

3,38%

Uitkeringsratio

27,91%

Groei (3 jr)

2,94%

Groei (5 jr)

11,38%

Recente betalingen per aandeel (nieuwste eerst).

Ex-dividend Betaling Bedrag / aandeel
Feb 05, 2026 — € 0,12
Nov 06, 2025 — € 0,12
Aug 07, 2025 — € 0,12
May 08, 2025 — € 0,12
Feb 06, 2025 — € 0,12
Nov 07, 2024 — € 0,12
Aug 08, 2024 — € 0,12
May 08, 2024 — € 0,12
Feb 07, 2024 — € 0,12
Nov 08, 2023 — € 0,12
Aug 09, 2023 — € 0,12
May 10, 2023 — € 0,12

Strategiescores

1 strategy matched
Dividend High Yield Value
#185 of 240
35

Recente Activiteit

Ingestapt High Yield Value
Apr 12, 2026