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OP Bancorp

OPBK

NASDAQFinancial ServicesBanks - Regional

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Previous close

$15.30

−$0.12 · -0.78%

Aug 21, 4:00 PM ET

OPBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

45

Neutral

Sentiment

63

Bullish

Risk resilience

72

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Sang Kyo Oh
Listed since
Aug 8, 2005
Employees
249

Market position

Day range

Current $15.30

52-week range

Current $15.30

Open
$15.565
Previous close
$15.42
Volume
89.5K
1.93× average
Average volume
46.45K
Average daily volume
Market cap
227.88M USD
Beta
0.59
Market reference 1
50-day average
$15.1286
+1.13% above average
200-day average
$14.195
+7.78% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-102.07M USD
P/E (TTM)
7.85×
P/B (TTM)
0.96×
P/S (TTM)
1.33×
EV / EBITDA
-2.4×
Earnings yield
12.22%
Free cash flow yield
11.12%
Dividend yield
3.40%

Profitability & efficiency

Gross margin
56.55%
Operating margin
23.37%
Net margin
16.87%
Return on equity
11.26%
Return on assets
0.97%
Return on invested capital
0.97%

Financial health

Debt / equity
0.46×
Current ratio
1.91×
Altman Z-score
0.26
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%71%38%6%Gross margin, FY2021: 95.44%Gross margin, FY2022: 86.51%Gross margin, FY2023: 59.79%Gross margin, FY2024: 51.46%Gross margin, FY2025: 54.66%Operating margin, FY2021: 50.71%Operating margin, FY2022: 44.15%Operating margin, FY2023: 24.65%Operating margin, FY2024: 18.88%Operating margin, FY2025: 21.20%Net margin, FY2021: 35.97%Net margin, FY2022: 31.47%Net margin, FY2023: 17.61%Net margin, FY2024: 13.68%Net margin, FY2025: 15.39%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.44%. Gross margin FY2022 86.51%. Gross margin FY2023 59.79%. Gross margin FY2024 51.46%. Gross margin FY2025 54.66%. Operating margin FY2021 50.71%. Operating margin FY2022 44.15%. Operating margin FY2023 24.65%. Operating margin FY2024 18.88%. Operating margin FY2025 21.20%. Net margin FY2021 35.97%. Net margin FY2022 31.47%. Net margin FY2023 17.61%. Net margin FY2024 13.68%. Net margin FY2025 15.39%.

Income trends

Revenue

166.66M USD+8.19%

Operating income

35.33M USD+21.49%

Net income

25.66M USD+21.77%
Income trends across reported periods181.22M USD122.98M USD64.75M USD6.51M USDRevenue, FY2021: 80.18M USDRevenue, FY2022: 105.83M USDRevenue, FY2023: 135.85M USDRevenue, FY2024: 154.05M USDRevenue, FY2025: 166.66M USDOperating income, FY2021: 40.66M USDOperating income, FY2022: 46.72M USDOperating income, FY2023: 33.49M USDOperating income, FY2024: 29.08M USDOperating income, FY2025: 35.33M USDNet income, FY2021: 28.84M USDNet income, FY2022: 33.31M USDNet income, FY2023: 23.92M USDNet income, FY2024: 21.07M USDNet income, FY2025: 25.66M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 80.18M USD. Revenue FY2022 105.83M USD. Revenue FY2023 135.85M USD. Revenue FY2024 154.05M USD. Revenue FY2025 166.66M USD. Operating income FY2021 40.66M USD. Operating income FY2022 46.72M USD. Operating income FY2023 33.49M USD. Operating income FY2024 29.08M USD. Operating income FY2025 35.33M USD. Net income FY2021 28.84M USD. Net income FY2022 33.31M USD. Net income FY2023 23.92M USD. Net income FY2024 21.07M USD. Net income FY2025 25.66M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue166.66M USD154.05M USD135.85M USD105.83M USD80.18M USD
Cost of goods sold75.56M USD74.77M USD54.63M USD14.28M USD3.65M USD
Gross profit91.1M USD79.28M USD81.22M USD91.55M USD76.52M USD
Selling, general, and administrative2.3M USD34.56M USD32.34M USD29.23M USD23.11M USD
Operating expenses55.77M USD50.2M USD47.73M USD44.83M USD35.87M USD
Interest income150.33M USD137.62M USD121.67M USD88.21M USD64.16M USD
Interest expense71.98M USD72.01M USD52.98M USD11.3M USD3.13M USD
Depreciation and amortization7.26M USD1.36M USD1.34M USD1.37M USD1.31M USD
Operating income35.33M USD29.08M USD33.49M USD46.72M USD40.66M USD
Net income25.66M USD21.07M USD23.92M USD33.31M USD28.84M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
1.72
FY2025 · +23.74% year over year
Latest fiscal-year revenue
166.66M USD
FY2025 · +8.19% year over year
Next fiscal-year revenue consensus
103.65M USD
FY2026 · 2 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend2.221.921.621.32FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend175.31M140.71M106.12M71.53MFY21FY22FY23FY24FY25FY26FY27

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$18.00

17.65% upside
Past 12 months12-month forecastHigh $18.00Average $18.00Low $18.00

Recent analyst actions

2 institutions

OPBK news

zacks.com

OP Bancorp (OPBK) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OP Bancorp (OPBK) have what it takes?

Read source
zacks.com

Should Value Investors Buy OP Bancorp (OPBK) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and…

Read source
zacks.com

New Strong Buy Stocks for August 11th

ALX, DINO, OPBK, CYD and HLLY have been added to the Zacks Rank #1 (Strong Buy) List on August 11, 2026.

Read source
zacks.com

Best Value Stocks to Buy for August 11th

SHIP, DINO and OPBK made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 11, 2026.

Read source
zacks.com

Best Momentum Stocks to Buy for August 7th

EDRY, CMCO and OPBK made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 7th, 2026.

Read source
zacks.com

New Strong Buy Stocks for August 7th

EDRY, OPBK, SUPN, MSBI and NXRT have been added to the Zacks Rank #1 (Strong Buy) List on August 7th, 2026.

Read source

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ETFs holding OPBK

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
5.9M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
5.23M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.07M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
1.99M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
1.94M
Weight
0.01%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
1.27M
Weight
0.02%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
1.1M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.07M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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