(OPBK) OP Bancorp - Ratings and Ratios
Banking, Loans, Deposit, Credit, Card, Accounts
OPBK EPS (Earnings per Share)
OPBK Revenue
Description: OPBK OP Bancorp
OP Bancorp is a bank holding company that provides a comprehensive range of banking products and services through its subsidiary, Open Bank. The companys diverse product offerings cater to various customer needs, including personal and commercial banking, loan products, and cash management services.
The banks loan portfolio appears to be diversified, with offerings including commercial real estate, small business administration, commercial and industrial business, single-family residential, and consumer loans. Additionally, the company provides trade financing products and letters of credit, indicating a presence in international banking. Its cash management services, including balance reporting, wire transfer initiation, and ACH origination, suggest a focus on serving business customers.
From a geographical perspective, OP Bancorp operates in several key markets, including California, Texas, and Nevada, with a presence in major metropolitan areas. The companys loan production offices in other states, such as Georgia, Colorado, Washington, and Virginia, further expand its reach. To evaluate the banks performance, key metrics to consider include the Net Interest Margin (NIM), Efficiency Ratio, and Loan-to-Deposit Ratio. A review of these KPIs could provide insights into the companys profitability, operational efficiency, and lending activities.
Further analysis could involve examining the banks capital adequacy, asset quality, and liquidity position. Metrics such as the CET1 ratio, Non-Performing Assets (NPA) ratio, and Liquidity Coverage Ratio (LCR) could provide a more comprehensive understanding of OP Bancorps financial health and stability. By analyzing these fundamental indicators, investors can gain a more nuanced understanding of the companys strengths and weaknesses, ultimately informing their investment decisions.
OPBK Stock Overview
| Market Cap in USD | 202m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2018-03-28 |
OPBK Stock Ratings
| Growth Rating | 49.4% |
| Fundamental | 57.3% |
| Dividend Rating | 79.6% |
| Return 12m vs S&P 500 | 0.35% |
| Analyst Rating | 4.0 of 5 |
OPBK Dividends
| Dividend Yield 12m | 3.50% |
| Yield on Cost 5y | 9.60% |
| Annual Growth 5y | 11.38% |
| Payout Consistency | 99.3% |
| Payout Ratio | 32.4% |
OPBK Growth Ratios
| Growth Correlation 3m | 74.8% |
| Growth Correlation 12m | -10.4% |
| Growth Correlation 5y | 60.7% |
| CAGR 5y | 23.13% |
| CAGR/Max DD 5y | 0.51 |
| Sharpe Ratio 12m | -0.55 |
| Alpha | 4.55 |
| Beta | 0.685 |
| Volatility | 35.05% |
| Current Volume | 45.8k |
| Average Volume 20d | 28.1k |
| Stop Loss | 13.8 (-3.6%) |
| Signal | -0.72 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (22.3m TTM) > 0 and > 6% of Revenue (6% = 9.62m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1185 % (prev -1123 %; Δ -61.32pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 17.3m <= Net Income 22.3m (YES >=105%, WARN >=100%) |
| Net Debt (62.2m) to EBITDA (22.9m) ratio: 2.71 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.07 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (14.9m) change vs 12m ago -0.06% (target <= -2.0% for YES) |
| Gross Margin 64.39% (prev 53.38%; Δ 11.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.61% (prev 6.30%; Δ 0.31pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.30 (EBITDA TTM 22.9m / Interest Expense TTM 72.3m) >= 6 (WARN >= 3) |
Altman Z'' -4.53
| (A) -0.74 = (Total Current Assets 144.3m - Total Current Liabilities 2.04b) / Total Assets 2.56b |
| (B) 0.06 = Retained Earnings (Balance) 143.1m / Total Assets 2.56b |
| (C) 0.01 = EBIT TTM 21.9m / Avg Total Assets 2.43b |
| (D) 0.09 = Book Value of Equity 202.2m / Total Liabilities 2.35b |
| Total Rating: -4.53 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 57.25
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 0.66% = 0.33 |
| 3. FCF Margin 8.61% = 2.15 |
| 4. Debt/Equity 9.79 = -2.50 |
| 5. Debt/Ebitda 91.27 = -2.50 |
| 6. ROIC - WACC 4.32% = 5.40 |
| 7. RoE 10.72% = 0.89 |
| 8. Rev. Trend 96.97% = 4.85 |
| 9. Rev. CAGR 15.43% = 1.93 |
| 10. EPS Trend -62.93% = -1.57 |
| 11. EPS CAGR -9.82% = -1.23 |
What is the price of OPBK shares?
Over the past week, the price has changed by +0.92%, over one month by +13.20%, over three months by +21.07% and over the past year by +17.84%.
Is OP Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OPBK is around 15.83 USD . This means that OPBK is currently undervalued and has a potential upside of +10.54% (Margin of Safety).
Is OPBK a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the OPBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 16 | 11.7% |
| Analysts Target Price | 15.8 | 10% |
| ValueRay Target Price | 16.7 | 16.6% |
Last update: 2025-08-22 04:45
OPBK Fundamental Data Overview
CCE Cash And Equivalents = 205.5m USD (Cash only, last quarter)
P/E Trailing = 9.1689
P/S = 2.4025
P/B = 0.9605
Beta = 0.677
Revenue TTM = 160.3m USD
EBIT TTM = 21.9m USD
EBITDA TTM = 22.9m USD
Long Term Debt = 50.0m USD (from longTermDebt, last quarter)
Short Term Debt = 2.04b USD (from totalCurrentLiabilities, last fiscal year)
Debt = 2.09b USD (Calculated: Short Term 2.04b + Long Term 50.0m)
Net Debt = 62.2m USD (from netDebt column, last quarter)
Enterprise Value = 2.09b USD (202.0m + Debt 2.09b - CCE 205.5m)
Interest Coverage Ratio = 0.30 (Ebit TTM 21.9m / Interest Expense TTM 72.3m)
FCF Yield = 0.66% (FCF TTM 13.8m / Enterprise Value 2.09b)
FCF Margin = 8.61% (FCF TTM 13.8m / Revenue TTM 160.3m)
Net Margin = 13.91% (Net Income TTM 22.3m / Revenue TTM 160.3m)
Gross Margin = 64.39% ((Revenue TTM 160.3m - Cost of Revenue TTM 57.1m) / Revenue TTM)
Tobins Q-Ratio = 10.33 (Enterprise Value 2.09b / Book Value Of Equity 202.2m)
Interest Expense / Debt = 0.86% (Interest Expense 17.9m / Debt 2.09b)
Taxrate = 27.55% (8.01m / 29.1m)
NOPAT = 15.9m (EBIT 21.9m * (1 - 27.55%))
Current Ratio = 0.07 (Total Current Assets 144.3m / Total Current Liabilities 2.04b)
Debt / Equity = 9.79 (Debt 2.09b / last Quarter total Stockholder Equity 213.7m)
Debt / EBITDA = 91.27 (Net Debt 62.2m / EBITDA 22.9m)
Debt / FCF = 151.6 (Debt 2.09b / FCF TTM 13.8m)
Total Stockholder Equity = 208.1m (last 4 quarters mean)
RoA = 0.87% (Net Income 22.3m, Total Assets 2.56b )
RoE = 10.72% (Net Income TTM 22.3m / Total Stockholder Equity 208.1m)
RoCE = 8.50% (Ebit 21.9m / (Equity 208.1m + L.T.Debt 50.0m))
RoIC = 5.64% (NOPAT 15.9m / Invested Capital 281.9m)
WACC = 1.32% (E(202.0m)/V(2.30b) * Re(8.54%)) + (D(2.09b)/V(2.30b) * Rd(0.86%) * (1-Tc(0.28)))
Shares Correlation 5-Years: -80.0 | Cagr: -0.61%
Discount Rate = 8.54% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 68.24% ; FCFE base≈18.6m ; Y1≈12.2m ; Y5≈5.58m
Fair Price DCF = 6.78 (DCF Value 100.9m / Shares Outstanding 14.9m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 96.97 | Revenue CAGR: 15.43%
Rev Growth-of-Growth: -5.36
EPS Correlation: -62.93 | EPS CAGR: -9.82%
EPS Growth-of-Growth: 38.91
Additional Sources for OPBK Stock
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Fund Manager Positions: Dataroma | Stockcircle