OPBK
OP Bancorp
Next earnings Jul 21, 2026 · consensus $0.46 EPS, $25.7M rev
Last earnings -0.4% on 2026-04-23
$15.39
▲ +2.94%$15.39▲ +34.33%
over 1Y
L $11.46EODHDH $15.39
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.9%
1W+6.8%
1M+9.0%
3M+18.3%
YTD+12.1%
1Y+34.3%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 8 analysts
Buy
Strong net margin (800.1%); but revenue declined -1.7% YoY.
Revenue (FY2025) $3.20M · FY2025
The read
Middling fundamentals offset by an attractive price (~175% below fair value) — worth a look on the value angle.
OP Bancorp shows $3.20M in FY2025 revenue (-1.7% YoY), a 800.1% net margin, and 11.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.56M | $1.68M | $2.12M | $3.26M | $3.20M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $28.8M | $33.3M | $23.9M | $21.1M | $25.6M |
| Diluted EPS | $1.88 | $2.14 | $1.55 | $1.39 | $1.72 |
| Net margin | 1846.4% | 1988.7% | 1126.6% | 646.1% | 800.1% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF9.8
PEG (trailing)0.41
Earnings yield11.2%
FCF yield10.2%
Quality & risk
ROIC (est.)—
Free cash flow$23.4M
Total debt—
Net cash$167M
Piotroski F-Score5/6
Capital returns
Buyback yield0.3%
Dividend yield (est.)3.1%
Shareholder yield3.4%
Shares Δ YoY-0.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRed flag in recent filings — late filing notice (2026-05-11). Worth a closer look.
Recent filings
all on EDGAR ↗4Period ending 2026-06-242026-06-25open ↗4Period ending 2026-06-102026-06-12open ↗144Filing2026-06-10open ↗4Period ending 2026-06-082026-06-09open ↗4Period ending 2026-05-282026-05-29open ↗4Period ending 2026-05-282026-05-29open ↗4Period ending 2026-05-282026-05-29open ↗4Period ending 2026-05-282026-05-29open ↗4Period ending 2026-05-282026-05-29open ↗4Period ending 2026-05-282026-05-29open ↗8-KPeriod ending 2026-05-282026-05-28open ↗4Period ending 2026-05-262026-05-26open ↗
Frequently asked
- Is OP Bancorp (OPBK) a buy?
- OPBK currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (800.1%); but revenue declined -1.7% YoY.
- What is OPBK's fair value?
- A Modified-Graham model based on OPBK's SEC fundamentals estimates a fair value of about $42.34. It is an estimate from reported earnings, not a price target.
- Is OPBK overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, OPBK currently appears undervalued relative to its SEC-grounded earnings power.
- What is OP Bancorp's quality score?
- OPBK scores 70.35294117647058/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001722010, latest 10-Q filed 2026-05-15) · EODHD · as of 6/28/2026, 4:15:46 AM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.