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OP Bancorp
(NASDAQ:OPBK)
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Rating:70Outperform
Price Target:
$17.00
â–²(11.55% Upside)
Action:Reiterated
Date:08/08/26
OPBK scores well overall due to attractive valuation (low P/E and solid dividend yield) and constructive technical setup (price above major moving averages with positive MACD). Financial performance is supportive but moderated by historically uneven cash-flow consistency and a balance-sheet leverage profile that, while improving, remains higher than earlier-cycle levels.
Positive Factors
Improved profitability and margins
Sustained TTM margins (net ~16.9%, EBIT ~23.4%) indicate durable operating leverage and pricing power in core banking activities. Higher margins support internally funded growth, dividend ability, and resilience to modest revenue shocks over the next 2–6 months.
Negative Factors
Historic cash-flow inconsistency
Volatile cash conversion raises uncertainty about the persistence of recent FCF gains. If cash flow reverts or weakens, the bank could face constraints on dividends, loan growth or loss-absorbing capacity, making capital planning more challenging.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability and margins
Sustained TTM margins (net ~16.9%, EBIT ~23.4%) indicate durable operating leverage and pricing power in core banking activities. Higher margins support internally funded growth, dividend ability, and resilience to modest revenue shocks over the next 2–6 months.
Read all positive factors
OP Bancorp (OPBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$224.44M
Dividend Yield3.43%
Average Volume (3M)43.61K
Price to Earnings (P/E)7.8
Beta (1Y)0.68
Revenue Growth7.19%
EPS Growth31.23%
CountryUS
Employees249
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.95
Shares Outstanding14,932,615
10 Day Avg. Volume60,146
30 Day Avg. Volume43,607
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.92
Price to Sales (P/S)1.26
P/FCF Ratio8.99
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$17.75Price Target Upside16.47% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.01
Revenue Forecast (FY)$103.65M
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 est...
How the Company Makes Money
OP Bancorp primarily makes money through Open Bank’s core banking activities. The largest earnings driver is typically net interest income: the bank earns interest and fees on loans (such as commercial real estate, commercial and industrial, resid...
OP Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 171.76M | 166.66M | 154.05M | 135.85M | 105.83M | 80.17M |
| Gross Profit | 97.13M | 91.10M | 79.28M | 81.22M | 91.55M | 76.52M |
| EBITDA | 48.74M | 42.59M | 30.44M | 34.83M | 48.09M | 41.97M |
| Net Income | 28.97M | 25.66M | 21.07M | 23.92M | 33.31M | 28.84M |
Balance Sheet | ||||||
| Total Assets | 2.74B | 2.65B | 2.37B | 2.15B | 2.09B | 1.73B |
| Cash, Cash Equivalents and Short-Term Investments | 224.32M | 434.00M | 135.06M | 285.56M | 292.78M | 265.90M |
| Total Debt | 109.49M | 121.94M | 102.86M | 114.34M | 10.21M | 10.31M |
| Total Liabilities | 2.51B | 2.42B | 2.16B | 1.96B | 1.92B | 1.56B |
| Stockholders Equity | 238.64M | 227.89M | 204.99M | 192.63M | 176.92M | 165.22M |
Cash Flow | ||||||
| Free Cash Flow | 23.54M | 23.36M | 29.78M | 65.66M | 82.32M | -29.40M |
| Operating Cash Flow | 27.91M | 26.16M | 31.34M | 67.84M | 83.73M | -28.28M |
| Investing Cash Flow | -213.88M | -243.01M | -187.42M | -75.97M | -461.78M | -286.04M |
| Financing Cash Flow | 155.67M | 249.22M | 199.80M | 16.37M | 345.56M | 323.47M |
OP Bancorp Technical Analysis
Neutral
15.24
Price Trends
15.10
Negative
14.54
Positive
13.99
Positive
Market Momentum
0.03
Positive
41.79
Neutral
15.61
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPBK, the sentiment is Neutral. The current price of 15.24 is below the 20-day moving average (MA) of 15.52, above the 50-day MA of 15.10, and above the 200-day MA of 13.99, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 41.79 is Neutral, neither overbought nor oversold. The STOCH value of 15.61 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OPBK.
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 0 New Risks
OP Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $269.68M | 10.24 | 15.01% | 2.14% | 4.90% | 24.16% | |
75 Outperform | $288.13M | 11.08 | 9.48% | 3.30% | -2.70% | 296.51% | |
74 Outperform | $273.41M | 11.18 | 8.92% | 4.32% | -2.20% | 15.53% | |
71 Outperform | $279.33M | 11.29 | 14.00% | 2.14% | 10.02% | 67.97% | |
70 Outperform | $224.44M | 7.78 | 12.59% | 3.19% | 7.19% | 31.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $239.39M | -7.64 | -8.75% | 0.91% | -9.20% | -302.27% |
* Financial Sector Average
OPBK
OP Bancorp
15.17
1.55
11.36%
HWBK
Hawthorn Bancshares
39.10
6.55
20.11%
LCNB
LCNB
19.34
4.14
27.23%
INBK
First Internet Bancorp
27.44
2.42
9.67%
BPRN
Bank of Princeton
42.22
9.20
27.85%
FRAF
Franklin Financial Services
62.07
16.59
36.48%
OP Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
OP Bancorp Reports Strong Q2 Results, Raises Dividend
Positive
Jul 23, 2026
On July 23, 2026, OP Bancorp reported second-quarter 2026 net income of $8.0 million, up from $7.2 million in the first quarter of 2026 and $6.3 million a year earlier, with diluted EPS rising to $0.53. Revenue grew on higher net interest and noni...
Executive/Board ChangesShareholder Meetings
OP Bancorp Shareholders Approve Directors, Pay and Auditor
Positive
May 28, 2026
On May 28, 2026, OP Bancorp held its 2026 annual meeting of shareholders, with 77.33% of outstanding shares represented, to address board elections, executive pay and auditor ratification. Shareholders elected all seven director nominees to one-ye...
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.