Is OP Bancorp (OPBK) Overvalued?
We dive into why OP Bancorp (OPBK) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
Why OP Bancorp’s (OPBK) Stock Is Up 7.65%
As of Tuesday, July 28, OP Bancorp’s OPBK share price has surged by 7.65%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why OP Bancorp’s (OPBK) Stock Is Up 6.09%
As of Friday, July 24, OP Bancorp’s OPBK share price has surged by 6.09%, which has investors questioning if this is right time to sell.Rosalio Madrigal
What You Need to Know About OP Bancorp's Q3 Earnings
OP Bancorp's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (OPBK) missed or beat analyst's expectations.Michael Rose
7 Undervalued Banks Stocks for Thursday, April 23
Discover the top 7 undervalued Banks stocks for Thursday, April 23 based on AAII’s Stock Grades.Jenna Brashear
Financial Summary
| Share Statistics | OPBK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $222.3 | $673.5 | 29% |
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| Shares Out (Mil) | 14.9 | 15.4 | 26% |
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| Institutional Ownership | 75.5% | 84.1% | 46% |
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| Float (Mil) | 11.9 | 21.6 | 21% |
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| Beta | 0.59 | 0.45 | 34% |
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| Avg Daily Volume (000s) | 37 | 44 | 26% |
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| Price Change (52-week) |
8.5% | 90.3% | 61% |
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| Growth | OPBK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.7% | 7.7% | 67% |
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| Net Income (5yr) | 14.3% | 11.1% | 62% |
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| EPS (5yr) | 15.1% | 10.0% | 57 |
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| Dividends (5yr) | 11.4% | 3.6% | 69% |
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| Cash Flow (5yr) | 10.2% | (17.1%) | 70% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $0.495 | $2.010 | $2.045 | |
| Month Ago EPS | $0.500 | $2.005 | $2.060 | |
| # Rev Up | 0 | 0 | 0 | |
| # Rev Down | 1 | 1 | 2 | |
| Three Months Ago EPS | $0.470 | $1.880 | $1.980 | |
| Year/Year Chg | (6.6%) | 16.9% | 15.1% | |
| Financials | OPBK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $97 | $187 | 26% |
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| Net Income (TTM) (Mil) | $29 | $53 | 51% |
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| EPS (TTM) | $1.953 | $2.600 | 71% |
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| Operating Cash Flow (TTM) (Mil) | $28 | $34 | 43% |
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| Net Cash Flow (TTM) (Mil) | ($30) | $2 | 23% |
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| Long-Term Debt (Q1) (Mil) | $110 | $94 | 45% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | OPBK | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.93 | 1.23 | 22% |
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| P/E | 7.6 | 12.0 | 10% |
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| Dividend Yield | 3.8% | 2.3% | 89% |
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| PEG (5yr hist) | 0.5 | 1.1 | 25% |
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| Ratios | OPBK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 29.8% | 29.2% | 88% |
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| ROA | 1.1% | 1.1% | 47% |
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| ROE | 12.8% | 11.3% | 65% |
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| Liabilities to Assets | 91.3% | 89.7% | 88% |
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| F-Score | 3 | 4 | 18% |
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Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
