Company Overview
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.
Why Investors Should Care
Net profit has compounded at 14.8% per year over the last five years.
Revenue has grown at a 10.8% CAGR over the past five years.
Trades at a P/E of 8.0, below the sector median of 13.3.
Maintains a net profit margin of 29.1%.
Offers a dividend yield of 3.94%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $3.20M (-1.7% YoY); net profit $25.64M.
- Trailing 12 Months Year-on-year growth — revenue +12.3%, earnings +30.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 10.8%, profit CAGR 14.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 10.78% |
| 1 Year: | 12.30% |
Compounded Profit Growth
| 5 Years: | 14.76% |
| 1 Year: | 30.00% |
Stock Price Performance
| 1 Year: | +10.77% |
| 6 Months: | +5.46% |
| 3 Months: | +4.29% |
| 1 Month: | +5.22% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)51.38 · Neutral
P/E of 8.04 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 29.1%.
- Compounding revenue at 10.8% over 5 years.
- Profit CAGR of 14.8% over 5 years.
- Attractive dividend yield of 3.94%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 14.72 | 8.04 | $219.24M | 3.94% | - | 12.34% | 10.78% | 14.76% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | Mar 2025 | Jun 2025 | Sep 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 | 889.00K | 1.00M | 1.02M | 725.00K | 463.00K |
| 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 | 5.44M | 5.56M | 6.33M | 6.70M | 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 | 0.36 | 0.37 | 0.42 | 0.45 | 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 | 1.56M | 1.68M | 2.12M | 3.26M | 3.20M |
| Net Income | 7.42M | 9.24M | 14.25M | 16.76M | 13.13M | 28.84M | 33.31M | 23.92M | 21.07M | 25.64M |
| Diluted EPS | 0.53 | 0.66 | 0.89 | 1.03 | 0.85 | 1.88 | 2.14 | 1.55 | 1.39 | 1.72 |
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 |
| Total Equity | 72.48M | 81.28M | 91.48M | 129.79M | 140.58M | 143.37M | 165.22M | 176.92M | 192.63M | 204.99M | 227.89M |
| Cash & Equivalents | 37.40M | 20.13M | 63.25M | 77.73M | 86.04M | 106.31M | 115.46M | 82.97M | 91.22M | 134.94M | 167.31M |
| Total Liabilities | - | - | 809.52M | 914.40M | 1.04B | 1.22B | 1.56B | 1.92B | 1.96B | 2.16B | 2.42B |
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 | -28.28M | 83.73M | 67.76M | 31.24M | 26.16M |
| Investing Cash Flow | -160.07M | -81.68M | -146.28M | -118.03M | -147.07M | -286.04M | -461.78M | -75.89M | -187.32M | -243.01M |
| Financing Cash Flow | 132.22M | 126.95M | 130.15M | 107.36M | 172.29M | 323.47M | 345.56M | 16.37M | 199.80M | 249.22M |
| Capital Expenditure | -259.00K | -421.00K | -1.20M | -1.74M | -619.00K | -1.12M | -1.41M | -2.18M | -1.56M | -2.80M |
| Free Cash Flow | 10.32M | -2.57M | 29.41M | 17.24M | -5.47M | -29.40M | 82.32M | 65.57M | 29.68M | 23.36M |
| 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% | 1,846.4% | 1,988.7% | 1,126.6% | 646.1% | 800.1% |
| ROE % | 9.1% | 10.1% | 11.0% | 11.9% | 9.2% | 17.5% | 18.8% | 12.4% | 10.3% | 11.2% |
| ROCE % | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Diversify Wealth Management, LLC | 11.71% | 1.84M | $27.67M |
| 2 | Blackrock Inc. | 4.75% | 744.96K | $11.22M |
| 3 | Alliancebernstein L.P. | 4.14% | 649.75K | $9.79M |
| 4 | Dimensional Fund Advisors LP | 4.06% | 636.13K | $9.58M |
| 5 | Manufacturers Life Insurance Co. | 3.62% | 567.09K | $8.54M |
| 6 | Vanguard Capital Management LLC | 3.57% | 559.26K | $8.42M |
| 7 | Truffle Hound Capital, LLC | 2.55% | 400.00K | $6.02M |
| 8 | Maltese Capital Management, LLC | 1.71% | 268.87K | $4.05M |
| 9 | Geode Capital Management, LLC | 1.70% | 266.75K | $4.02M |
| 10 | Gator Capital Management, LLC | 1.68% | 263.41K | $3.97M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for OPBK
Why OP Bancorp (OPBK) is a Top Dividend Stock for Your Portfolio - Yahoo Finance
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Diversify Wealth Management LLC Makes New $26.51 Million Investment in OP Bancorp $OPBK - MarketBeat
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OP Bancorp (OPBK) Holds Gains Above Support as Uptrend Momentum Builds - Dividend Stock Picks - dars.gov.et
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OPBK — Frequently Asked Questions
What is the current share price of OP Bancorp (OPBK)?
As of 2026-07-14 21:23 PDT, OP Bancorp (OPBK) trades at $14.72 on NasdaqGM. Its 52-week range is $12.23 to $15.39.
What is the market capitalisation of OPBK?
OP Bancorp (OPBK) has a market capitalisation of $219.24M on NasdaqGM.
What is the P/E ratio of OPBK?
OPBK trades at a trailing price-to-earnings (P/E) ratio of 8.04. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.91.
Does OPBK pay a dividend?
OP Bancorp (OPBK) currently offers a dividend yield of 3.94%.
What is the return on equity (ROE) of OPBK?
OPBK has a return on equity (ROE) of 12.34%.
Is OPBK a good stock to buy?
This page provides a data-driven analysis of OP Bancorp (OPBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.