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OP Bancorp (OP3) Price & Analysis

OP3 Stock Chart & Stats

€13.50€0.10(0.75%)
At close: 4:00 PM EDT
EUR 13.6EUR 13.7EUR 13.8EUR 13.98 Sep7 Oct
Day’s Range
EUR 13.50 - EUR 13.50
52-Week Range
EUR 10.40 - EUR 13.90
Previous Close
EUR 13.40
Volume
0
Average Volume (3M)
8
Market Cap
EUR 200.95M
Enterprise Value
EUR 311.83M
Total Cash (Recent Filing)
EUR 430.05M
Total Debt (Recent Filing)
EUR 109.40M
Price to Earnings (P/E)
7.5
Beta
0.57
Next Earnings
Jan 28, 2027
EPS Estimate
0.46
Next Dividend Ex-Date
N/A
Dividend Yield
3.25%

Bulls Say, Bears Say

Bulls Say

Profitability And Growth

Strong current profitability and renewed revenue growth indicate that OP Bancorp is converting its banking franchise into expanding earnings. The combination of a healthy net margin, higher income, and re-accelerating revenue supports continued investment and resilience over the next several quarters.

Loan And Deposit Expansion

Growth in both loans and deposits supports the core community-banking model by expanding earning assets while strengthening the funding base. Higher net interest income and margin expansion suggest that recent balance-sheet growth is translating into durable operating revenue.

Capital And Equity Strength

A growing equity base, solid return on equity, and appropriate capital levels provide meaningful support for continued lending and shareholder distributions. This financial capacity improves the bank’s ability to absorb credit stress while preserving flexibility for measured growth.

Bears Say

Cash-flow Consistency

Recent cash generation is encouraging, but the history of volatile operating and free cash flow makes earnings conversion less dependable than the income statement alone suggests. Repeated weakness in prior periods could constrain internally funded growth if the rebound does not persist.

Higher Leverage Than Prior Years

Although leverage has recently improved, OP Bancorp remains more leveraged than it was earlier in the period. That change increases balance-sheet sensitivity to credit losses and funding conditions, potentially limiting financial flexibility during a weaker banking or economic environment.

Profitability Normalization

Current margins and earnings remain healthy, but they are below the unusually strong levels achieved in 2021–2022. This normalization suggests that some earlier profitability benefits have faded, leaving less margin for error if loan growth, pricing, or credit conditions weaken.

OP Bancorp News

OP3 FAQ

What was OP Bancorp’s price range in the past 12 months?
OP Bancorp lowest stock price was €10.40 and its highest was €13.90 in the past 12 months.
What is OP Bancorp’s market cap?
OP Bancorp’s market cap is €200.95M.
When is OP Bancorp’s upcoming earnings report date?
OP Bancorp’s upcoming earnings report date is Jan 28, 2027 which is in 88 days.
How were OP Bancorp’s earnings last quarter?
OP Bancorp released its earnings results on Oct 22, 2026. The company reported €0.467 earnings per share for the quarter, beating the consensus estimate of €0.445 by €0.022.
Is OP Bancorp overvalued?
According to Wall Street analysts OP Bancorp’s price is currently Undervalued.
Does OP Bancorp pay dividends?
OP Bancorp does not currently pay dividends.
What is OP Bancorp’s EPS estimate?
OP Bancorp’s EPS estimate is 0.46.
How many shares outstanding does OP Bancorp have?
OP Bancorp has 14,932,615 shares outstanding.
What happened to OP Bancorp’s price movement after its last earnings report?
OP Bancorp reported an EPS of €0.467 in its last earnings report, beating expectations of €0.445. Following the earnings report the stock price went up 3.15%.
Which hedge fund is a major shareholder of OP Bancorp?
Currently, no hedge funds are holding shares in DE:OP3
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology