Provides commercial real estate loans to businesses. Offers Small Business Administration (SBA) loans. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 20% a year over the last 4 years. Every year shown ended in profit.
The market pays 8.9× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 96% of them.
Analysts' average target sits 17% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
Clearly above the class average — a step short of the very top.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 16% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 15% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 20% a year on average.
It pays out $0.52 per share each year — regular cash for whoever holds the stock.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 41/100.
On our five-subject report card, OPBK sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: OPBK is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.