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OPBK stock logo

OPBK

OP Bancorp

$13.6
0.06
 (0.44%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  202.514M
Shares Outstanding:  15.196M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Sang Kyo Oh
Full Time Employees:  231
Address: 
1000 Wilshire Boulevard
Los Angeles
CA
90017
US
Website:  https://www.myopenbank.com
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier’s checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. As of January 27, 2022, the company operated nine full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas. It also had four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue135,846154,047166,660
Gross Profit81,21779,27891,100
EBITDA34,82730,44042,591
Operating Income33,49129,07935,327
Net Income23,91821,06925,655

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,147,7302,366,0132,650,226
Total Liabilities1,955,1042,161,0202,422,333
Total Stockholders Equity192,626204,993227,893
Total Debt114,341102,857121,936
Cash and Cash Equivalents91,311135,043434,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow67,84231,34426,161
Capital Expenditure-2,184-1,562-2,801
Free Cash Flow65,65829,78223,360
Net Income23,91821,06925,635
Net Change in Cash8,24443,72732,368

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)111,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)112,700Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)112,250Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)37,730.766Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)38,034.503Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)37,882.634Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)29,908.403Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)30,162.998Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)30,035.701Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)23,269.837Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)23,457.161Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)23,363.499Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.020Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.020Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.010Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
154.079M  ?P/S
 (TTM)
: 
1.27
?Net Income
 (TTM)
: 
20.694M  ?P/E
 (TTM)
: 
8.27
?Enterprise Value
 (TTM)
: 
-99722618  ?EV/FCF
 (TTM)
: 
-5.01
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.28
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
-32086000  ?Debt/Equity
 (TTM)
: 
0.54
?P/B
 (TTM)
: 
0.93  ?Current Ratio
 (TTM)
: 
1.91

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
7.23Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate OPBK Intrinsic Value

Common questions about OPBK valuation

Is OP Bancorp (OPBK) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for OP Bancorp (OPBK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is OPBK a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OPBK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is OPBK’s P/E ratio?

You can see OPBK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for OPBK?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is OPBK a good long-term investment?

Whether OPBK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

OPBK

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.44
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 10.43   Year High: 15.27
Price Avg 50: 13.57   Price Avg 200: 13.67
Volume: 14594   Average Volume: 36652

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