Stocks · Financial Services · Banks - Regional
OP Bancorp OPBK
$15.48 +1.64% Close, Oct 2, 2026 · NASDAQ · Market cap $230.6M
Inexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 84 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $1.93, up 30.4% year over year.
- Revenue over the last four quarters was $171.8M, up 7.1% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 48%
- EPS growth (TTM, YoY)Top 36%
- FCF growth (TTM, YoY)Top 24%
- Revenue growth, 3-year CAGRTop 44%
- Revenue growth accelerationBottom 46%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 45%
- Gross marginBottom 31%
- Operating marginTop 46%
- Cash conversion (OCF / net income)Bottom 36%
- Accruals (lower is better)Bottom 33%
- Net debt / EBITDA (lower is better)Bottom 44%
- Interest coverBottom 29%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 9%
- Free-cash-flow yieldTop 35%
- EBITDA / enterprise valueTop 11%
- Sales / enterprise valueTop 25%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 48%
- 6-month returnTop 31%
- 1-year return vs S&P 500Top 40%
- Distance from 52-week highTop 40%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 38%
- Consecutive EPS beatsTop 42%
- Upside to consensus price targetTop 46%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 42%
- Maximum drawdown, 3 yearsBottom 23%
- Beta vs S&P 500 (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Bottom 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.8% | 7.1% | ↓ |
| EPS growth (YoY) | 28.2% | 30.4% | ↑ |
| Gross margin | 52.4% | 56.5% | ↑ |
| Operating margin | 18.9% | 23.4% | ↑ |
| FCF margin | 8.6% | 13.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.1% | 7.8% | ↓ | Top 48% |
| EPS growth (TTM, YoY) | 30.4% | 28.2% | ↑ | Top 36% |
| Gross margin | 56.5% | 52.4% | ↑ | Bottom 31% |
| Operating margin | 23.4% | 18.9% | ↑ | Top 46% |
| Net margin | 16.9% | 13.9% | ↑ | — |
| Free-cash-flow margin | 13.7% | 8.6% | ↑ | — |
| Return on invested capital | 1.1% | — | Bottom 45% | |
| Revenue growth, 3-year CAGR | 16.3% | — | Top 44% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -5.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.80×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.23%
- Net buyback yield (TTM)
- -0.00%
- Shareholder yield
- 3.23%
- Share count change, 1 year
- +0.6%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +7.2%
- Average 2-day reaction, last 8
- -1.7%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $18.00
- Target vs current price
- +16.3%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +19.1% | +0.4% | +6.9% | +3.6% | — |
| Apr 23, 2026 | +17.1% | -0.4% | +1.8% | -1.1% | +4.7% |
| Jan 22, 2026 | -9.6% | -1.1% | -8.9% | -6.7% | -4.7% |
| Oct 23, 2025 | +2.3% | -1.4% | -1.3% | -7.0% | +5.4% |
| Jul 24, 2025 | +0.0% | -3.8% | -6.1% | +0.1% | -4.6% |
| Apr 24, 2025 | +23.3% | +2.7% | +10.2% | +10.1% | +18.6% |
| Jan 24, 2025 | -8.3% | -10.0% | -11.9% | -13.8% | -30.1% |
| Jan 23, 2025 | -8.3% | -0.1% | -14.2% | -11.8% | -26.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.53 | $0.45 | +19.1% | $25.7M |
| Apr 23, 2026 | $0.48 | $0.41 | +17.1% | $24.6M |
| Jan 22, 2026 | $0.47 | $0.52 | -9.6% | $24.3M |
| Oct 23, 2025 | $0.45 | $0.44 | +2.3% | $24.5M |
| Jul 24, 2025 | $0.42 | $0.42 | +0.0% | $23.7M |
| Apr 24, 2025 | $0.37 | $0.30 | +23.3% | $22.2M |
| Jan 24, 2025 | $0.33 | $0.36 | -8.3% | $21.3M |
| Jan 23, 2025 | $0.33 | $0.36 | -8.3% | $20.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.0× | 7.5× | 57th | Top 9% |
| P/E (forward) | 7.7× | — | — | — |
| EV / EBITDA | 6.5× | — | — | Top 11% |
| EV / Sales | 1.85× | — | — | Top 25% |
| Free-cash-flow yield | 10.21% | — | — | Top 35% |
| Earnings yield | 12.47% | — | — | Top 9% |
P/E over the past five years
Range 3.6× – 11.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +13.3%
- Earnings per share growth (TTM)
- +30.4%
- Change in P/E multiple
- -6.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 84
- 50-day average slope (20 days)
- +0.9%
- 200-day average slope (20 days)
- +1.2%
- Distance from 50-day average
- +0.4%
- Distance from 200-day average
- +7.1%
- RSI (14)
- 56.1
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.4%
- Volatility vs own 5-year history
- 12th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.67
- Correlation with S&P 500
- 0.33
- Current drawdown from 1-year high
- -4.2%
- Maximum drawdown, 3 years
- -42.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 7, 2022 | May 16, 2023 | -48.3% | 319 days | 366 days (Oct 29, 2024) |
| Dec 4, 2024 | Apr 11, 2025 | -42.3% | 87 days | Not yet recovered |
| Mar 8, 2021 | Jul 19, 2021 | -20.4% | 92 days | 76 days (Nov 3, 2021) |
| Nov 29, 2021 | Jan 24, 2022 | -15.5% | 38 days | 5 days (Jan 31, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $230.6M
- P/E (TTM)
- 8.0
- EPS, diluted (TTM)
- $1.93
- Revenue (TTM)
- $171.8M
- Dividend yield
- 3.36%
- 52-week range
- $12.41 – $16.83
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $80.2M | $105.8M | $135.8M | $154.0M | $166.7M |
| Gross profit | $76.5M | $91.6M | $81.2M | $79.3M | $91.1M |
| Operating income | $40.7M | $46.7M | $33.5M | $29.1M | $35.3M |
| Net income | $28.8M | $33.3M | $23.9M | $21.1M | $25.7M |
| EPS (diluted) | $1.88 | $2.14 | $1.55 | $1.39 | $1.72 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $39.5M | $39.5M | $39.7M | $41.6M | $42.7M | $42.7M | $42.6M | $43.8M |
| Net income | $5.4M | $5.0M | $5.6M | $6.3M | $6.7M | $7.1M | $7.2M | $8.0M |
| EPS (diluted) | $0.36 | $0.33 | $0.37 | $0.42 | $0.45 | $0.47 | $0.48 | $0.53 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$28.3M | $83.7M | $67.8M | $31.3M | $26.2M |
| Capital expenditure | -$1.1M | -$1.4M | -$2.2M | -$1.6M | -$2.8M |
| Free cash flow | -$29.4M | $82.3M | $65.7M | $29.8M | $23.4M |
| Dividends paid | -$5.1M | -$6.7M | -$7.3M | -$7.1M | -$7.1M |
| Net share buybacks | -$28,000 | $608,000 | -$3.9M | -$2.7M | -$706,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $224.3M
- Total assets
- $2.74B
- Total liabilities
- $2.51B
- Total debt
- $109.5M
- Net debt
- $87.7M
- Shareholders’ equity
- $238.6M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 6, 2026 | $0.14 | Aug 20, 2026 |
| May 7, 2026 | $0.14 | May 21, 2026 |
| Feb 5, 2026 | $0.12 | Feb 19, 2026 |
| Nov 6, 2025 | $0.12 | Nov 20, 2025 |
| Aug 7, 2025 | $0.12 | Aug 21, 2025 |
| May 8, 2025 | $0.12 | May 22, 2025 |
| Feb 6, 2025 | $0.12 | Feb 20, 2025 |
| Nov 7, 2024 | $0.12 | Nov 21, 2024 |
Short interest
- Shares sold short
- 181,218
- Days to cover
- 4.71
- Change vs previous report
- +18.2%
FINRA short interest, settlement date Sep 15, 2026.