OP Bancorp (OP3) AI Stock Analysis

OP Bancorp

(Frankfurt:OP3)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Profitability and growthStrong 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.

Negative Factors

Cash-flow consistencyRecent 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.

OP Bancorp (OP3) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 225.18M
Dividend Yield: 3.25%
Average Volume (3M): 200
Price to Earnings (P/E): 7.5
Beta (1Y): 0.57
Revenue Growth: 2.32%
EPS Growth: 22.31%
Country: Germany
Employees: 249
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

OP Bancorp Business Overview & Revenue Model

Company Description

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...

OP Bancorp Risk Analysis

OP Bancorp disclosed 40 risk factors in its most recent earnings report. OP Bancorp reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

1 New Risk

1.Recent changes to the requirements for new SBA loans may significantly reduce our ability to participate in these programs.Q2, 2026

OP Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:OP3 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HWBK	75Outperform	$268.85M	10.20	15.15%	2.13%	4.90%	24.16%
BPRN	74Outperform	$292.90M	14.28	7.46%	3.26%	-3.50%	15.90%
LCNB	74Outperform	$281.25M	11.20	8.95%	4.46%	-1.78%	5.34%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
INBK	62Neutral	$225.41M	15.01	4.17%	0.93%	7.39%	―
FRAF	61Neutral	$319.94M	11.47	15.56%	1.88%	7.25%	76.47%

* Financial Sector Average

Performance Comparison

DE:OP3 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:OP3	Op Bancorp	13.50	2.61	23.93%
HWBK	Hawthorn Bancshares	38.96	8.85	29.39%
LCNB	Lcnb Corporation	19.72	4.92	33.26%
INBK	First Internet Bancorp	25.81	7.62	41.90%
BPRN	Bank of Princeton	42.99	11.99	38.68%
FRAF	Franklin Financial Services	71.11	26.84	60.65%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

OP Bancorp AI Stock Analysis