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OP Bancorp (OPBK) Fair Value & Analysis

Financial Services · US · Market cap $214M

Price$14.95
Fair Value$22.39
Upside+49.8%
Quality95/100
Evidence: High Range $16.79 – $27.99

Fair value as of: Jun 26, 2026

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Analysis

OP Bancorp (OPBK) currently trades at $14.95, while our model-based Fair Value estimate is $22.39 — implying the stock looks roughly 49.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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.

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Frequently asked questions

Is OP Bancorp (OPBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $22.39 versus a price of $14.95 — about +50% (undervalued). Model-based estimate, not financial advice.
What is the fair value of OPBK?
Our 21-model fair value for OP Bancorp is $22.39 (as of Jun 26, 2026), built from audited fundamentals. The current price is $14.95.
What is the quality score of OPBK?
OP Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.