OP Bancorp (OPBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
OP Bancorp stock (OPBK) is currently trading at $13.29. OP Bancorp PE ratio is 7.51. OP Bancorp PS ratio (Price-to-Sales) is 2.11. Analyst consensus price target for OPBK is $16.50. WallStSmart rates OPBK as Moderate Buy.
- OPBK PE ratio analysis and historical PE chart
- OPBK PS ratio (Price-to-Sales) history and trend
- OPBK intrinsic value — DCF, Graham Number, EPV models
- OPBK stock price prediction 2025 2026 2027 2028 2029 2030
- OPBK fair value vs current price
- OPBK insider transactions and insider buying
- Is OPBK undervalued or overvalued?
- OP Bancorp financial analysis — revenue, earnings, cash flow
- OPBK Piotroski F-Score and Altman Z-Score
- OPBK analyst price target and Smart Rating
OP Bancorp
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OPBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · OP Bancorp (OPBK)
OPBK trades at a significant discount to its Graham intrinsic value of $80.50, offering a 83% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
OP Bancorp (OPBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
OP Bancorp (OPBK) Key Strengths (6)
Keeps $45 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 42.70% year-over-year
Keeps $28 of every $100 in revenue as net profit
Strong revenue growth at 20.30% annually
64.09% held by institutions, strong professional interest
Supporting Valuation Data
OP Bancorp (OPBK) Areas to Watch (3)
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Revenue is fairly priced at 2.11x sales
OP Bancorp (OPBK) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.81) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 44.50%, Profit Margin at 28.10%. Growth metrics are encouraging with Revenue Growth at 20.30%, EPS Growth at 42.70%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.11) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 11.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 20.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OPBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OPBK's Price-to-Sales ratio of 2.11x trades at a deep discount to its historical average of 14.22x (19th percentile). The current valuation is 99% below its historical high of 199.47x set in May 2006, and 151% above its historical low of 0.84x in Aug 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for OP Bancorp (OPBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
OP Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 91M with 20% growth year-over-year. Profit margins are strong at 28.1%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 28.1% and operating margin of 44.5% demonstrate strong pricing power and operational efficiency.
Free cash flow is -13,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can OP Bancorp maintain 20%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.9%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact OP Bancorp.
Bottom Line
OP Bancorp offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About OP Bancorp(OPBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.