OP Bancorp (OPBK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
OP Bancorp (OPBK) trades at $14.79 with AI Score 83/100 (Grade A+). OP Bancorp, through its subsidiary Open Bank, provides a range of banking products and services primarily in California. Market cap: $220M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 10, 2026Analyst Coverage for OPBK: OPBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OPBK against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
OPBK: 3/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
OP Bancorp (OPBK) Financial Services Profile
OP Bancorp, operating through Open Bank, serves the California market with a focus on commercial and small business lending, complemented by digital banking services. With a P/E ratio of 8.0 and a dividend yield of 3.46%, OPBK presents itself as a potentially stable regional bank within the broader financial services sector.
What Is the Investment Thesis for OPBK?
OP Bancorp presents a compelling investment case based on its strategic focus on the California market, particularly its emphasis on commercial real estate and small business lending. With a market capitalization of $220M and a P/E ratio of 8.0, the company appears undervalued compared to its peers. A dividend yield of 3.46% offers an attractive income stream for investors. Growth catalysts include expansion of digital banking services and strategic expansion into new markets. Potential risks include increased competition from larger regional and national banks, as well as potential economic downturns impacting loan performance. The company's profit margin of 16.1% suggests efficient operations, but this needs to be sustained in a potentially volatile economic environment.
Based on FMP financials and quantitative analysis
OPBK Key Highlights
- Market capitalization of $220M, indicating a relatively small but established regional bank.
- P/E ratio of 8.0, suggesting potential undervaluation compared to industry averages.
- Profit margin of 16.1%, reflecting efficient operations and profitability.
- Gross margin of 55.3%, demonstrating strong revenue generation relative to the cost of goods sold.
- Dividend yield of 3.46%, providing an attractive income stream for investors.
Who Are OPBK's Competitors?
OPBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CASH Pathward Financial, Inc. | $83.12 | -6.26% | $1.75B | 91 |
| BOH Bank of Hawaii Corporation | $84.75 | +0.01% | $3.36B | 90 |
| FFWM First Foundation Inc. | $5.90 | +2.43% | $490M | 59 |
| ATLO Ames National Corporation | $29.79 | +1.05% | $264M | 91 |
| FRAF Franklin Financial Services Corporation | $62.81 | +1.82% | $282M | 92 |
| FVCB FVCBankcorp, Inc. | $17.66 | -0.90% | $318M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.50 | -1.62% | $344M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OPBK's Key Strengths?
- Strong presence in the California market.
- Focus on commercial real estate and small business lending.
- Comprehensive suite of banking products and services.
- Solid profit margin of 16.1%.
What Are OPBK's Weaknesses?
- Limited geographic diversification.
- Reliance on the California economy.
- Smaller size compared to larger regional and national banks.
- Potential vulnerability to economic downturns.
What Could Drive OPBK Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margins.
- Expansion of digital banking services attracting new customers and increasing fee income.
- Strategic partnerships with fintech companies enhancing product offerings and customer experience.
- Potential acquisitions of smaller banks or credit unions expanding market share.
What Are the Key Risks for OPBK?
- Financial-distress signal — its Altman Z-Score of -0.72 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in California impacting loan performance and asset quality.
- Increased competition from larger regional and national banks.
- Rising interest rates increasing borrowing costs and reducing loan demand.
- Regulatory changes and compliance requirements increasing operational costs.
- Cybersecurity threats and data breaches compromising customer information and damaging reputation.
What Are the Growth Opportunities for OPBK?
- Expansion of Digital Banking Services: OP Bancorp can capitalize on the growing demand for digital banking solutions by further enhancing its online and mobile platforms. This includes offering more sophisticated features such as AI-powered financial advice, personalized banking experiences, and seamless integration with third-party financial apps. The market for digital banking is projected to reach $9 trillion by 2028, providing a significant growth opportunity for OP Bancorp. Timeline: Ongoing.
- Strategic Branch Expansion: While digital banking is on the rise, physical branch presence remains important for certain customer segments, particularly small businesses and older demographics. OP Bancorp can strategically expand its branch network in underserved markets or high-growth areas within California and other states. This expansion should be data-driven, focusing on locations with strong economic potential and limited competition. Timeline: 2-3 years.
- Increased Focus on SBA Lending: Small Business Administration (SBA) loans offer attractive opportunities for regional banks like OP Bancorp. By increasing its focus on SBA lending, the company can tap into a growing market and generate higher returns. SBA loans also come with government guarantees, reducing the risk for the bank. The SBA lending market is expected to grow at a rate of 5% annually, providing a stable and predictable source of revenue. Timeline: Ongoing.
- Development of Specialized Lending Products: OP Bancorp can differentiate itself from competitors by developing specialized lending products tailored to specific industries or customer segments. This could include loans for renewable energy projects, healthcare facilities, or technology startups. By focusing on niche markets, the company can command higher interest rates and build stronger customer relationships. Timeline: 3-5 years.
- Partnerships with Fintech Companies: Collaborating with fintech companies can help OP Bancorp accelerate its digital transformation and offer innovative products and services to its customers. This could include partnerships with companies specializing in online lending, payment processing, or financial planning. By leveraging the expertise and technology of fintech companies, OP Bancorp can enhance its competitiveness and attract new customers. Timeline: Ongoing.
What Opportunities Does OPBK Have?
- Expansion of digital banking services.
- Strategic branch expansion in underserved markets.
- Increased focus on SBA lending.
- Development of specialized lending products.
What Threats Does OPBK Face?
- Increased competition from larger banks and credit unions.
- Economic downturns impacting loan performance.
- Rising interest rates increasing borrowing costs.
- Increased regulatory scrutiny and compliance requirements.
What Are OPBK's Competitive Advantages?
- Strong local market presence in California, particularly in the Korean-American community.
- Established relationships with small and medium-sized businesses.
- Expertise in commercial real estate lending.
- Comprehensive suite of banking products and services.
What Does OPBK Do?
Founded in 2005 and headquartered in Los Angeles, California, OP Bancorp operates as the bank holding company for Open Bank. Open Bank provides a comprehensive suite of banking products and services, primarily catering to the California market. The bank's offerings include a variety of deposit accounts such as demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. OP Bancorp also provides a range of loan products, including commercial real estate loans, Small Business Administration (SBA) loans, commercial and industrial business loans, single-family residential loans, term loans, consumer loans, and home mortgage loans. Furthermore, the bank offers trade financing products, letters of credit, SWIFT and export advice, debit and credit cards, and online and mobile banking solutions. These digital solutions include features like remote check deposit with mobile bill pay, direct deposits, cashier's checks, person-to-person payments, wire transfers, and automated clearing house (ACH) services. Open Bank also provides cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, stop payment services, remote deposit capture, positive pay, zero balance accounts, and sweep accounts. As of January 27, 2022, OP Bancorp operated nine full branch offices in key locations such as Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California, as well as Carrollton, Texas. Additionally, the company maintained four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington, expanding its reach beyond its core California market.
What Products and Services Does OPBK Offer?
- Provides commercial real estate loans to businesses.
- Offers Small Business Administration (SBA) loans.
- Provides commercial and industrial business loans.
- Offers single-family residential mortgage loans.
- Provides term and consumer loans.
- Provides home mortgage loans.
- Offers trade financing products and letters of credit.
- Provides digital banking solutions, including online and mobile banking.
How Does OPBK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services, such as account maintenance, wire transfers, and overdraft protection.
- Profits from trade financing products and letters of credit.
- Gains revenue from debit and credit card services.
What Industry Does OPBK Operate In?
OP Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing a digital transformation, with increasing adoption of online and mobile banking solutions. OP Bancorp's focus on commercial real estate and small business lending positions it within a niche market, but it also faces competition from larger national banks and credit unions. The regional banking sector is sensitive to economic cycles, with loan performance closely tied to economic growth and interest rate fluctuations. The market is also seeing increased regulatory scrutiny and compliance requirements, adding to operational costs.
Who Are OPBK's Key Customers?
- Small and medium-sized businesses in California.
- Commercial real estate developers and investors.
- Individual consumers seeking personal loans and mortgages.
- Businesses requiring trade financing products.
How OP Bancorp Is Valued
OP Bancorp carries a market capitalization of $220M, placing it in the micro-cap category. Relative to its peer group, OPBK's quantitative score of 83/100 is roughly in line with the peer average of 85/100.
ROE 12%Key Financial Metrics
Return on equity for OP Bancorp stands at 12.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. OPBK trades at a trailing price-to-earnings ratio of 7.99, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.08 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 11.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
OP Bancorp's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.72 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project OP Bancorp revenue of about $102.5M for fiscal 2026, with EPS near $1.88.
OPBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insider buying has increased recently, indicating confidence from leadership in the company's future prospects.
- Community sentiment has shifted positively, with discussions highlighting OP Bancorp's strong loan growth and expanding market presence.
- Recent regulatory developments seem favorable, suggesting a more supportive environment for banking operations.
- Analysts have noted improvements in operational efficiency, which could lead to enhanced profitability in the near term.
Bear Case
- Concerns about rising interest rates persist, which may pressure profit margins and impact loan demand negatively.
- Community chatter reflects worries about potential economic downturns affecting the banking sector's stability.
- Recent reports indicate increased competition in the regional banking space, which could hinder OP Bancorp's market share growth.
- Some investors are skeptical about the sustainability of recent growth trends, fearing they may not hold in the long term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
OPBK Latest News
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Stocks That Hit 52-Week Lows On Thursday
benzinga · May 4, 2023
OPBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OPBK.
Price Targets
Wall Street price target analysis for OPBK.
OPBK MoonshotScore
What does this score mean?
The MoonshotScore rates OPBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Sang Kyo Oh
CEO
Sang Kyo Oh serves as the CEO of OP Bancorp. His professional background encompasses extensive experience in the banking and financial services sector. Prior to his role at OP Bancorp, he held various leadership positions at other financial institutions, contributing to his deep understanding of banking operations, risk management, and strategic planning. His expertise spans across commercial lending, retail banking, and regulatory compliance. He is responsible for overseeing the overall strategic direction and operational performance of the company.
Track Record: Under Sang Kyo Oh's leadership, OP Bancorp has focused on expanding its digital banking capabilities and strengthening its position in the California market. Key achievements include improving the bank's efficiency ratio and increasing its loan portfolio. He has also overseen the implementation of new risk management strategies to mitigate potential economic downturns. His tenure has been marked by a commitment to sustainable growth and enhancing shareholder value.
Common Questions About OPBK (Financial Services)
What does the AI Score mean for OPBK?
OPBK holds an AI Score of 83/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. OP Bancorp, through its subsidiary Open Bank, provides a range of banking products and services primarily in California. The company focuses on commercial real estate, small business, and consumer …
What does OP Bancorp do?
OP Bancorp, through its subsidiary Open Bank, provides a comprehensive range of banking products and services primarily in California. The company focuses on commercial real estate, small business, and consumer lending. In addition to traditional banking services, OP Bancorp offers digital banking solutions, including online and mobile banking, catering to the evolving needs of its customers.
What do analysts say about OPBK stock?
Analyst coverage of OPBK is relatively limited, reflecting its size and regional focus. However, analysts generally view OPBK as a stable regional bank with a solid track record of profitability. Key valuation metrics, such as the P/E ratio of 8.0 and dividend yield of 3.46%, suggest potential undervaluation compared to its peers.
What are the main risks for OPBK?
OP Bancorp faces several risks inherent to the banking industry and its specific market focus. A significant risk is the potential for an economic downturn in California, which could negatively impact loan performance and asset quality. Increased competition from larger regional and national banks also poses a threat to OP Bancorp's market share.
What are the key factors to evaluate for OPBK?
OP Bancorp (OPBK) holds an AI score of 83/100 (high). P/E: 8.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does OPBK data refresh on this page?
OPBK's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven OPBK's recent stock price performance?
OP Bancorp (OPBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in the California market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider OPBK overvalued or undervalued right now?
OP Bancorp (OPBK) trades at 8.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research OPBK before investing?
Before investing in OP Bancorp (OPBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial data is based on the most recent filings and may not be fully up-to-date.