Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OPBK
Strong BuyFull HouseOP Bancorp · Financial Services · United States · $226M · Avg Vol: $768K/d
82
StockRankGet insider-trade alerts
Q
60
V
67
M
51
P/E (TTM)
7.9x
ROE
12.8%
D/E
0.5x
Dividend %
3.3%
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 94.5M | 82.9M | 82.0M | 94.7M | 0.1% | 97.1M | 103.6M | 112.7M | 9.1% |
| EPS | 2.15 | 1.55 | 1.39 | 1.72 | -7.2% | 1.95 | 2.01 | 2.06 | 9.4% |
| Shares | 15.3M | 15.0M | 14.8M | 14.9M | -2.5% | 14.9M | — | — | — |
| Debt | 10.2M | 114.3M | 102.9M | 110.8M | 121.3% | 109.8M | — | — | — |
| Equity | 176.9M | 192.6M | 205.0M | 227.9M | 8.8% | — | — | — | — |
| Op CF | 83.7M | 67.8M | 31.2M | 26.2M | -32.1% | 27.9M | — | — | — |
| Inv CF | -461.8M | -75.9M | -187.3M | -243.0M | — | — | — | — | — |
| Fin CF | 345.6M | 16.4M | 199.8M | 249.2M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-3.5%
SMA 50SMA 200
Close
$15.20
RSI (14)
48.2
52W High
$16.68
From 52W High
0.9%
SCORE BREAKDOWN
Quality
60
ROIC (ROA)
1.1%*38.9
ROE
12.8%65.4
GP/Assets
3.7%N/A
Op. Margin
47.3%67.3
FCF/Assets
1.0%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.49xN/A
Current Ratio
bankN/A
Value
67
P/E (TTM)
7.9x78.9
EV/EBITDA
bankN/A
P/FCF
8.4xN/A
P/B
1.0x64.1
P/S
2.4x70.1
Div Yield
3.3%44.7
Momentum
51
52W High %
91%50.8
RS 6M
7%66.9
SMA 50/200
1.08x66.1
EPS Rev 4W
0.0%27.7
EPS Rev 12W
—N/A
EPS Improve
+6%26.9
Q Growth
26%58.4
FUNDAMENTALS
Market Cap
$226M
P/E (Forward)
7.5x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OPBK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OPBK | OP Bancorp(you) | $226M | 82 | Strong Buy |
| CMTV | Community Bancorp | $229M | 81 | Strong Buy |
| FCAP | First Capital, Inc. | $209M | 78 | Buy |
| LARK | Landmark Bancorp, Inc. | $193M | 85 | Strong Buy |
| SBFG | SB Financial Group, Inc. | $173M | 83 | Strong Buy |
| HWBK | Hawthorn Bancshares, Inc. | $270M | 86 | Strong Buy |
| CFFI | C&F Financial Corporation | $298M | 85 | Strong Buy |
| BPRN | Princeton Bancorp, Inc. | $288M | 86 | Strong Buy |
| PEBK | Peoples Bancorp of North Carolina, Inc. | $233M | 74 | Buy |
| CBNA | Chain Bridge Bancorp, Inc. | $300M | 77 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%