OP Bancorp (OPBK) AI Stock Analysis

OP Bancorp is the bank holding company for Open Bank, established in 2005 and headquartered in Los Angeles, California. The bank offers a variety of deposit products, including checking, savings, money market, and time deposit accounts, as well as certificates of deposit. Its lending services encompass commercial real estate loans, Small Business Administration (SBA) loans, commercial and industrial loans, single-family residential mortgages, and consumer loans. Additionally, it provides trade financing products such as letters of credit and SWIFT services. The company operates nine full branch offices in California and Texas, along with loan production offices in Georgia, Colorado, and Washington.

OP Bancorp grew revenue from $80.2M in FY2021 to $166.7M in FY2025, representing a 5-year revenue CAGR of 20.9%. Net income stood at $25.7M in FY2025 with a net margin of 15.4% and diluted EPS of $1.71, up from $21.1M and $1.39 in FY2024. Operating margin was 21.2% in FY2025, compared to 50.7% in FY2021 and 18.9% in FY2024. Over the trailing twelve months, revenue reached $97.1M with an operating margin of 47.3% and EPS of $1.94. For the latest quarter ended June 30, 2026, quarterly revenue grew 15.1% year-over-year while quarterly earnings grew 26.2%.

As of June 30, 2026, OP Bancorp held $224.3M in cash and short-term investments against total debt of $109.5M, yielding a net cash position of $114.8M. Total assets stood at $2.74B, shareholders' equity was $238.6M, the current ratio was 3.24, and the debt-to-equity ratio was 0.46. In FY2025, operating cash flow was $26.2M and free cash flow was $23.4M. Capital expenditures totaled $2.8M, while capital return to shareholders included $7.1M in dividends paid and $706,000 in share buybacks.

OP Bancorp trades at a trailing P/E of 7.6x and a forward P/E of 9.0x, both below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales multiple is 2.3x compared to the peer median of 3.2x, while its price-to-book ratio is 0.9x and PEG ratio is 0.97. Over the past year, OPBK posted a return of 16.4%, slightly below the S&P 500 (SPY) return of 16.8%. Over a 5-year period, OPBK returned 73.2% compared to 83.0% for the S&P 500.

OP Bancorp pays a forward annual dividend of $0.56 per share, representing a dividend yield of 3.80% and a payout ratio of 26.9%. The company has distributed dividends consecutively for 8 years, achieving a 5-year annualized dividend growth rate of 11.4%. The last ex-dividend date was August 6, 2026.

Wall Street coverage includes 1 Strong Buy and 1 Hold rating. The mean price target is $17.75, representing upside of 20.3% from the last close of $14.75. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $103.8M and EPS of $2.01, representing 16.9% EPS growth. The company beat EPS estimates in 3 of the last 4 quarters. The next earnings date is October 22, 2026.

This page is an AI-written research summary of OP Bancorp (OPBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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