OP Bancorp OPBK R2K

Financial Services · Banks - Regional · United States

https://www.myopenbank.com

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, small business administration, home mortgage, and consumer loans. It operates full branch offices in Los Angeles and Orange Counties in California, as well as Santa Clara, California; Carrollton, Texas; Las Vegas, Nevada Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia. The company was founded in 2005 and is headquartered in Los Angeles, California.

Market & Price

Market Cap

$209.41M

Current Price

$14.06

High / Low (52W)

$14.86 / $11.21

Beta

0.62

Valuation

Stock P/E

7.68

Industry PE

12.01

Forward P/E

6.98

PEG Ratio

0.97

Book Value

$15.31

Price to Book

0.92

P/S

2.23

EV/EBITDA

Dividend Yield

3.98%

Profitability & Returns

ROCE

ROE

12.34%

ROA

1.05%

Profit Margin

29.13%

Op Margin

45.78%

EPS (Latest Qtr)

$0.48

EPS (TTM)

$1.83

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$110.66M

Total Assets

$2.65B

Current Assets

Working Capital

Ownership

Promoter Holding

20.14%

Chg in Prom Hold

FII / Inst Holding

63.05%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$159.65M

Total Revenue (TTM)

$93.75M

EBITDA

Free Cash Flow

Operating Cash Flow

$28.26M

Shares Outstanding

14.89M

Gross Margin

0.00%

Payout Ratio

26.23%

Growth (CAGR)

Revenue 5Y

0.05%

Profit 5Y

-8.36%

Revenue (YoY)

12.30%

Earnings (YoY)

30.00%

PROS

Excellent profit margin of 29.1%.
Attractive dividend yield of 3.98%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -8.4% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OPBK OP Bancorp R2K	14.06	7.68	$209.41M	3.98%	-	12.34%	0.05%	-8.36%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	387.65K	393.69K	-	537.00K	398.00K	484.00K	-	527.00K	499.00K	391.00K	-	368.00K	298.00K	334.00K	-	355.00K	393.00K	409.00K	-	388.00K	427.00K	454.00K	418.00K	573.00K	575.00K	612.00K	793.00K	-	-	22.23M	23.69M	24.48M	24.28M	24.55M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.44M	17.94M	18.18M	18.42M	18.01M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.68M	8.45M	9.67M	9.53M	9.91M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.12M	2.11M	2.97M	2.49M	2.68M
Net Income	2.15M	2.46M	2.73M	1.90M	3.22M	3.79M	3.48M	3.77M	4.74M	3.84M	4.00M	4.18M	3.30M	2.42M	3.60M	3.82M	5.08M	6.38M	8.25M	9.13M	8.15M	8.48M	8.65M	7.53M	6.09M	5.12M	5.23M	5.44M	-	-	5.56M	6.33M	6.70M	7.04M	7.23M
Diluted EPS	0.15	0.18	0.19	0.13	0.22	0.23	0.21	0.23	0.29	0.23	0.24	0.26	0.21	0.16	0.23	0.25	0.33	0.42	0.54	0.59	0.53	0.54	0.55	0.48	0.39	0.33	0.34	0.36	-	-	0.37	0.42	0.45	0.47	0.48

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	1.27M	1.66M	1.90M	2.02M	1.43M	-	94.53M	82.87M	82.03M	94.68M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	11.30M	52.98M	72.01M	71.98M
Pretax Income	-	-	-	-	-	-	46.72M	33.49M	29.08M	35.33M
Tax Provision	-	-	-	-	-	-	13.41M	9.57M	8.01M	9.69M
Net Income	7.42M	9.24M	14.25M	16.76M	13.13M	-	33.31M	23.92M	21.07M	25.64M
Diluted EPS	0.53	0.66	0.89	1.03	0.85	-	2.14	1.55	1.39	1.72

Compounded Sales Growth

5 Years:	0.05%
1 Year:	12.30%

Compounded Profit Growth

5 Years:	-8.36%
1 Year:	30.00%

Stock Price Performance

1 Year:	+18.34%
6 Months:	+5.87%
3 Months:	+6.25%
1 Month:	-1.63%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	901.00M	1.04B	1.18B	1.37B	1.73B	2.09B	2.15B	2.37B	2.65B
Current Assets	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	37.40M	20.13M	63.25M	77.73M	86.04M	106.31M	115.46M	82.97M	91.31M	135.04M	167.42M
Inventory	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	7.18M	8.26M	9.19M	10.48M
Total Liabilities	-	-	809.52M	914.40M	1.04B	1.22B	1.56B	1.92B	1.96B	2.16B	2.42B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	105.00M	95.00M	99.59M
Total Debt	-	-	-	-	-	-	-	10.21M	114.34M	102.86M	110.76M
Total Equity	72.48M	81.28M	91.48M	129.79M	140.58M	143.37M	165.22M	176.92M	192.63M	204.99M	227.89M
Shares Outstanding	-	-	-	-	-	-	-	15.27M	15.00M	14.82M	14.89M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	10.58M	-2.15M	30.61M	18.98M	-4.85M	-	83.73M	67.76M	31.24M	26.16M
Investing Cash Flow	-160.07M	-81.68M	-146.28M	-118.03M	-147.07M	-	-461.78M	-75.89M	-187.32M	-243.01M
Financing Cash Flow	132.22M	126.95M	130.15M	107.36M	172.29M	-	345.56M	16.37M	199.80M	249.22M
Capital Expenditure	-259.00K	-421.00K	-1.20M	-1.74M	-619.00K	-	-1.41M	-2.18M	-1.56M	-2.80M
Free Cash Flow	10.32M	-2.57M	29.41M	17.24M	-5.47M	-	82.32M	65.57M	29.68M	23.36M
Net Change in Cash	-	-	-	-	-	-	-32.49M	8.24M	43.73M	32.37M
Share Buybacks	-	-	-	5.39M	8.10M	28.00K	0	3.93M	2.74M	706.00K

Ratios (Annual)

Figures in %.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Net Margin %	582.4%	557.7%	751.3%	831.6%	917.3%	-	35.2%	28.9%	25.7%	27.1%
ROE %	9.1%	10.1%	11.0%	11.9%	9.2%	-	18.8%	12.4%	10.3%	11.2%
ROCE %	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

20.14%

Institutions

63.05%

Public Float

78.95%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Diversify Wealth Management, LLC	11.71%	1.84M	$25.83M
2	Blackrock Inc.	4.75%	744.96K	$10.47M
3	Alliancebernstein L.P.	4.14%	649.75K	$9.14M
4	Dimensional Fund Advisors LP	4.06%	636.13K	$8.94M
5	Manufacturers Life Insurance Co.	3.62%	567.09K	$7.97M
6	Vanguard Capital Management LLC	3.57%	559.26K	$7.86M
7	Truffle Hound Capital, LLC	2.55%	400.00K	$5.62M
8	Maltese Capital Management, LLC	1.71%	268.87K	$3.78M
9	Geode Capital Management, LLC	1.70%	266.75K	$3.75M
10	Gator Capital Management, LLC	1.68%	263.41K	$3.70M

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OPBK · Financial Services

OP Bancorp

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	249
Website	https://www.myopenbank.com

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OP Bancorp OPBK R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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