OP Bancorp (OPBK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of OP Bancorp stock $14.16, price $14.76, that is 4.1% below the price, quality 63 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $6.65 – $17.30 · fair‑value band $12.84 – $17.27 · the $14.76 price screens above the $14.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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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.
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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.
Stock analysis
OP Bancorp (OPBK) currently trades at $14.76, while our model-based Fair Value estimate is $14.16, so the stock looks roughly fairly valued today (gap 4.2%).
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Valuation
Bull case: the Multiples group reads highest at a median of $19.60 per share, and 2 of the 6 models we run sit above the $14.76 price.
Bear case: the Dividend Discount group reads lowest at $6.06, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $12.84 (bear) to $17.27 (bull), the price of $14.76 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
OP Bancorp reported revenue of $167M in FY2025 versus $80.2M in FY2021, a compound +20.1%/yr. Reported net income was $25.7M in FY2025, compounding −2.9%/yr from FY2021.
Key figures
Market cap $221M Micro · P/E ratio 7.2 · P/S ratio 2.21 · EPS (TTM) $2.05 · Dividend yield 3.5% · Net margin 30.1% · Return on equity 13.0% · Return on assets (EBIT) 1.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −4%, OPBK screens cheaper than that median.
Fair Value models
Bear$12.84Fair Value $14.16Bull$17.27
Price $14.76 · Downside -4.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.31 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director sold shares worth $309,907 and none bought.
SaleChristine Yoon OhChief Operating Officer21,818 shares at $14.20$309,907Jun 12, 2026
SaleJaehyun ParkChief Financial Officer958 shares at $12.91$12,368Mar 12, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.9%
Start year 2020 (pandemic). Over 10 years: +17.5% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+13.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.4%
Dividend (yield on the price)3.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.4% vs 15.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 21%
News mood ⓘNews mood, the average tone of recent news (88 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 13/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside−4.1% · Above median
Profitability
Return on equity (12 months)13.0% · Above median
Return on assets1.0% · Above median
Net margin (12 months)30.1% · Above median
Operating margin (12 months)44.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)11.2% · Above median
Dividend yield (12 months)3.5% · Above median
Balance sheet
Debt / equity0.44× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)7.2× · Cheapest 25%
P/B0.97× · Cheaper than median
P/S (12 months)2.21× · Cheapest 25%
Price / free cash flow (fiscal year)9.4× · Cheaper than median
PEG0.97× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)28· sector 8
FUTURE (revenue growth)56· sector 47
PAST (return on equity)52· sector 43
HEALTH (low debt)–
DIVIDEND (yield)70· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "OP Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/OPBK
Frequently asked questions
Is OP Bancorp (OPBK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $14.16 versus a price of $14.76, about 4% lower (fairly valued).
What is the fair value of OPBK?
Our model-based fair value for OP Bancorp is $14.16 (as of Nov 8, 2026), built from audited fundamentals. The current price: $14.76.
What is the quality score of OPBK?
OP Bancorp has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OP Bancorp (OPBK)?
Our model-based price target is the fair value of $14.16 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $12.84, optimistic scenario $17.27. It is a calculation from audited fundamentals, not an analyst target.
What is the OP Bancorp stock forecast for 2026?
Our models put fair value at $14.16, about 4% lower versus a price of $14.76 (fairly valued). Cautious scenario $12.84, optimistic scenario $17.27. The calculation is refreshed regularly with new filings.
What is the revenue of OP Bancorp (OPBK)?
OP Bancorp reported trailing-twelve-month revenue of about $99.7M (latest available figure, as of Nov 8, 2026).
Does OP Bancorp pay a dividend?
OP Bancorp currently shows a dividend yield of 3.52% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of OP Bancorp (OPBK) and when is the ex-dividend date?
OP Bancorp pays a dividend of $0.52 per share a year, a dividend yield of 3.5%. The last ex-dividend date was Nov 5, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 25.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of OP Bancorp (OPBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OP Bancorp it is $14.16 per share (as of Nov 8, 2026), against a price of $14.76. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is OP Bancorp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, OPBK trades above its calculated fair value: price $14.76, fair value $14.16, a gap of about −4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OPBK?
No. The price is what the market pays today ($14.76); the fair value is what the company's own numbers justify ($14.16). For OP Bancorp the two are $0.6000 per share apart. That gap is exactly why we show both numbers side by side.
How much is OP Bancorp worth?
The market values OP Bancorp at about $221M (market capitalisation, as of Nov 8, 2026). Per share that is $14.76; our models calculate a fair value of $14.16 per share.
What do the bullish and bearish scenarios say about OPBK?
Our models span a range for OP Bancorp: cautious scenario $12.84, base $14.16, optimistic $17.27 per share (as of Nov 8, 2026, price $14.76). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OPBK?
OP Bancorp trades at a price-to-earnings ratio of 7.2 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.16 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 9.3. Other multiples: PEG 1.0, P/B 1.0, P/S 2.2.
What is the PEG ratio of OPBK?
The PEG ratio of OP Bancorp is 0.97 (P/E divided by earnings growth, as of Nov 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of OP Bancorp (OPBK)?
Balance-sheet figures for OP Bancorp (as of Nov 8, 2026): return on equity 13.0%, debt of 0.44 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is OPBK from its 52-week high?
OP Bancorp trades at $14.76, about 9% below its 52-week high of $16.16 and 20% above the low of $12.35 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $14.16 is for.
Which stocks are comparable to OP Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OP Bancorp stock attractive at the current price?
The data as of Nov 8, 2026: price $14.76, calculated fair value $14.16 (−4%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OPBK calculated?
We run OP Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $14.16 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. OP Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OP Bancorp (OPBK)?
The closing price on Nov 6, 2026 was $14.76. Our model-based fair value is $14.16, about 4% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OP Bancorp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of OP Bancorp (OPBK) come from?
Earnings per share at OP Bancorp grew +14.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +16.5 %, EBIT margin −3.6 %, tax rate +2.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of OP Bancorp
How large is the market capitalisation of OP Bancorp (OPBK)?
The market capitalisation of OP Bancorp is $221M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OP Bancorp (OPBK)?
The price-to-sales ratio of OP Bancorp is 2.21 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of OP Bancorp (OPBK)?
Earnings per share at OP Bancorp are $2.05 (price ÷ EPS = P/E 7.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of OP Bancorp (OPBK)?
The dividend yield of OP Bancorp is 3.5% (payout 25.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of OP Bancorp (OPBK)?
The net margin of OP Bancorp is 30.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OP Bancorp (OPBK)?
The return on equity (ROE) of OP Bancorp is 13.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OP Bancorp (OPBK)?
On an EBIT basis the return on assets of OP Bancorp is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of OP Bancorp (OPBK)?
The operating margin of OP Bancorp is 44.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OP Bancorp (OPBK)?
Revenue at OP Bancorp is growing +11.2% versus a year earlier (3y avg +16.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OP Bancorp (OPBK)?
Earnings per share at OP Bancorp are growing +15.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does OP Bancorp (OPBK) generate?
The free cash flow of OP Bancorp is $23.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does OP Bancorp (OPBK) hold?
OP Bancorp holds more cash than debt, $312M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 8, 2026