OP BANCORP(NASDAQ:OPBK) stock Fundamental Analysis

Fundamental Rating

Overall OPBK gets a fundamental rating of 5 out of 10. We evaluated OPBK against 398 industry peers in the Banks industry. The financial health of OPBK is average, but there are quite some concerns on its profitability. OPBK may be a bit undervalued, certainly considering the very reasonable score on growth Finally OPBK also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year OPBK was profitable.

OPBK had a positive operating cash flow in the past year.

OPBK had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: OPBK reported negative operating cash flow in multiple years.

1.2 Ratios

OPBK has a Return On Assets (0.87%) which is comparable to the rest of the industry.

OPBK's Return On Equity of 10.09% is fine compared to the rest of the industry. OPBK outperforms 67.59% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	10.09%
ROIC	N/A

ROA(3y)1.17%

ROA(5y)1.22%

ROE(3y)13.57%

ROE(5y)13.39%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of OPBK (25.23%) is better than 60.55% of its industry peers.

OPBK's Profit Margin has declined in the last couple of years.

OPBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.23%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-11.99%

PM growth 5Y-3.01%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

OPBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for OPBK has been reduced compared to 1 year ago.

OPBK has less shares outstanding than it did 5 years ago.

There is no outstanding debt for OPBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

There is no outstanding debt for OPBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC20.31%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.43% over the past year.

Measured over the past 5 years, OPBK shows a small growth in Earnings Per Share. The EPS has been growing by 7.68% on average per year.

Looking at the last year, OPBK shows a decrease in Revenue. The Revenue has decreased by -1.01% in the last year.

Measured over the past years, OPBK shows a quite strong growth in Revenue. The Revenue has been growing by 8.05% on average per year.

EPS 1Y (TTM)1.43%

EPS 3Y-9.58%

EPS 5Y7.68%

EPS Q2Q%8.82%

Revenue 1Y (TTM)-1.01%

Revenue growth 3Y2.11%

Revenue growth 5Y8.05%

Sales Q2Q%13.62%

3.2 Future

The Earnings Per Share is expected to grow by 15.07% on average over the next years. This is quite good.

The Revenue is expected to grow by 11.03% on average over the next years. This is quite good.

EPS Next Y6.66%

EPS Next 2Y15.07%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.09%

Revenue Next 2Y11.03%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.42, which indicates a very decent valuation of OPBK.

88.94% of the companies in the same industry are more expensive than OPBK, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of OPBK to the average of the S&P500 Index (28.92), we can say OPBK is valued rather cheaply.

OPBK is valuated cheaply with a Price/Forward Earnings ratio of 6.50.

Based on the Price/Forward Earnings ratio, OPBK is valued cheaper than 92.71% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.65. OPBK is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.42
Fwd PE	6.5

4.2 Price Multiples

89.20% of the companies in the same industry are more expensive than OPBK, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	5.99
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

OPBK's earnings are expected to grow with 15.07% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.26

PEG (5Y)1.1

EPS Next 2Y15.07%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

OPBK has a Yearly Dividend Yield of 4.12%, which is a nice return.

OPBK's Dividend Yield is a higher than the industry average which is at 3.63.

Compared to an average S&P500 Dividend Yield of 2.51, OPBK pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.12%

5.2 History

On average, the dividend of OPBK grows each year by 19.16%, which is quite nice.

OPBK has been paying a dividend for over 5 years, so it has already some track record.

As OPBK did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)19.16%

Div Incr Years4

Div Non Decr Years5

5.3 Sustainability

34.52% of the earnings are spent on dividend by OPBK. This is a low number and sustainable payout ratio.

The dividend of OPBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP34.52%

EPS Next 2Y15.07%

EPS Next 3YN/A

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OP BANCORP

NASDAQ:OPBK (4/24/2025, 8:00:02 PM)

After market: 12.08 +0.12 (+1%)

11.96

+0.31 (+2.66%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners63.16%

Inst Owner Change-0.58%

Ins Owners21.72%

Ins Owner Change0.28%

Market Cap178.32M

Analysts80

Price Target16.07 (34.36%)

Short Float %0.4%

Short Ratio1.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.12%

Yearly Dividend0.48

Dividend Growth(5Y)19.16%

DP34.52%

Div Incr Years4

Div Non Decr Years5

Ex-Date02-06 2025-02-06 (0.12)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.43%

Min EPS beat(2)-10.13%

Max EPS beat(2)10.99%

EPS beat(4)3

Avg EPS beat(4)9.42%

Min EPS beat(4)-10.13%

Max EPS beat(4)19.24%

EPS beat(8)5

Avg EPS beat(8)3.2%

EPS beat(12)6

Avg EPS beat(12)0.23%

EPS beat(16)10

Avg EPS beat(16)6.78%

Revenue beat(2)0

Avg Revenue beat(2)-1.58%

Min Revenue beat(2)-3.11%

Max Revenue beat(2)-0.05%

Revenue beat(4)2

Avg Revenue beat(4)0.19%

Min Revenue beat(4)-3.11%

Max Revenue beat(4)2.45%

Revenue beat(8)2

Avg Revenue beat(8)-2.05%

Revenue beat(12)4

Avg Revenue beat(12)-2.3%

Revenue beat(16)8

Avg Revenue beat(16)0.16%

PT rev (1m)0%

PT rev (3m)7.04%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.03%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	8.42
Fwd PE	6.5
P/S	2.17
P/FCF	5.99
P/OCF	5.69
P/B	0.87
P/tB	0.87
EV/EBITDA	N/A

EPS(TTM)1.42

EY11.87%

EPS(NY)1.84

Fwd EY15.39%

FCF(TTM)2

FCFY16.7%

OCF(TTM)2.1

OCFY17.58%

SpS5.5

BVpS13.75

TBVpS13.75

PEG (NY)1.26

PEG (5Y)1.1

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	10.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.23%
GM	N/A
FCFM	36.3%

ROA(3y)1.17%

ROA(5y)1.22%

ROE(3y)13.57%

ROE(5y)13.39%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-11.99%

PM growth 5Y-3.01%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	114.77%
Cap/Sales	1.9%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	143.92%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC20.31%

ROIC/WACCN/A

Cap/Depr(3y)127.05%

Cap/Depr(5y)103.02%

Cap/Sales(3y)2.01%

Cap/Sales(5y)1.72%

Profit Quality(3y)225.48%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)1.43%

EPS 3Y-9.58%

EPS 5Y7.68%

EPS Q2Q%8.82%

EPS Next Y6.66%

EPS Next 2Y15.07%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.01%

Revenue growth 3Y2.11%

Revenue growth 5Y8.05%

Sales Q2Q%13.62%

Revenue Next Year10.09%

Revenue Next 2Y11.03%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-54.64%

FCF growth 3YN/A

FCF growth 5Y11.8%

OCF growth 1Y-53.8%

OCF growth 3YN/A

OCF growth 5Y10.78%

OP BANCORP (OPBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens