Symbols / OPBK Stock $13.66 -2.91% OP Bancorp

Financial Services • Banks - Regional • United States • NGM
OPBK (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: SMA 50: SMA 200:
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Sang Kyo Oh
Exch · Country NGM · United States
Market Cap 203.46M
Enterprise Value 153.31M
Income 27.31M
Sales 93.75M
FCF (ttm)
Book/sh 15.31
Cash/sh 10.76
Employees 249
Insider 10d
IPO Aug 08, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 26.23%
P/E 7.46
Forward P/E 6.78
PEG 0.97
P/S 2.17
P/B 0.89
P/C
EV/EBITDA
EV/Sales 1.64
Quick Ratio
Current Ratio
Debt/Eq
LT Debt/Eq
EPS (ttm) 1.83
EPS next Y 2.02
EPS Growth 30.00%
Revenue Growth 12.30%
EPS Gr Q/Q 30.10%
Rev Gr Q/Q
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.05%
ROE 12.34%
ROIC
Gross Margin 0.00%
Oper. Margin 45.78%
Profit Margin 29.13%
Shs Outstand 14.89M
Shs Float 11.83M
Insider Own 20.12%
Instit Own 64.02%
Short Float 0.95%
Short Ratio 3.30
Short Interest 128.21K
52W High 15.27
vs 52W High -10.54%
52W Low 11.52
vs 52W Low 18.58%
Beta 0.62
Impl. Vol. 93.95%
Rel Volume 0.50
Avg Volume 37.06K
Volume 18.42K
Target (mean) $16.50
Tgt Median $16.50
Tgt Low $16.00
Tgt High $17.00
# Analysts 2
Recom None
Prev Close $14.07
Price $13.66
Change -2.91%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$13.66
Low
$16.00
High
$17.00
Mean
$16.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-28 main DA Davidson Buy → Buy $17
2025-10-28 main DA Davidson Buy → Buy $17
2025-10-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $16
2025-07-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $16
2025-01-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $18
2024-08-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $13
2024-07-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $13
2023-05-01 main Keefe, Bruyette & Woods — → Market Perform $11
2022-06-03 down Keefe, Bruyette & Woods Outperform → Market Perform
2021-02-08 up Keefe, Bruyette & Woods Market Perform → Outperform $11
2019-04-29 up DA Davidson Neutral → Buy
2018-04-23 init DA Davidson — → Neutral $14
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-31 BANG JIMMY M Officer 1,020
2026-03-12 PARK JAEHYUN Chief Financial Officer 958 $12.91 $12,368
2026-03-03 WON WESLEY Chief Technology Officer 1,443
2026-03-03 PARK JAEHYUN Chief Financial Officer 1,535
2026-02-24 BANG JIMMY M Officer 1,861
2025-12-30 PAK YEONG GWON Officer 1,283
2025-11-20 OH CHRISTINE YOON Chief Operating Officer 392
2025-11-20 WON WESLEY Chief Technology Officer 392
2025-06-26 CHOI BRIAN J Director 4,516
2025-06-26 SHIN YONG SIN Director 3,226
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
94.68
+15.41%
82.03
-1.01%
82.87
-12.34%
94.53
Operating Revenue
94.68
+15.41%
82.03
-1.01%
82.87
-12.34%
94.53
Selling General And Administration
38.95
+12.70%
34.56
+6.86%
32.34
+10.66%
29.23
Selling And Marketing Expense
0.51
-5.25%
0.53
-13.19%
0.61
+13.08%
0.54
General And Administrative Expense
38.45
+12.98%
34.03
+7.25%
31.73
+10.62%
28.68
Salaries And Wages
36.66
+13.31%
32.36
+6.88%
30.27
+8.62%
27.87
Other Gand A
Reconciled Depreciation
7.26
+56.28%
4.65
+3.89%
4.47
+227.29%
1.37
Total Unusual Items
Total Unusual Items Excluding Goodwill
Special Income Charges
Other Special Charges
Net Income
25.64
+21.67%
21.07
-11.91%
23.92
-28.20%
33.31
Pretax Income
35.33
+21.49%
29.08
-13.17%
33.49
-28.32%
46.72
Net Interest Income
78.35
+19.42%
65.61
-4.48%
68.69
-10.69%
76.91
Interest Expense
71.98
-0.04%
72.01
+35.93%
52.98
+368.79%
11.30
Interest Income
150.33
+9.23%
137.62
+13.11%
121.67
+37.92%
88.21
Tax Provision
9.69
+21.00%
8.01
-16.33%
9.57
-28.63%
13.41
Tax Rate For Calcs
0.00
-0.72%
0.00
-3.50%
0.00
-0.35%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
25.64
+21.67%
21.07
-11.91%
23.92
-28.20%
33.31
Net Income From Continuing Operation Net Minority Interest
25.64
+21.67%
21.07
-11.91%
23.92
-28.20%
33.31
Net Income From Continuing And Discontinued Operation
25.64
+21.67%
21.07
-11.91%
23.92
-28.20%
33.31
Net Income Continuous Operations
25.64
+21.67%
21.07
-11.91%
23.92
-28.20%
33.31
Normalized Income
25.64
+21.67%
21.07
-11.91%
23.92
-28.20%
33.31
Net Income Common Stockholders
25.64
+23.88%
20.69
-11.72%
23.44
-28.11%
32.61
Otherunder Preferred Stock Dividend
0.38
-21.22%
0.48
-32.39%
0.70
Diluted EPS
1.72
+23.74%
1.39
-10.32%
1.55
-27.57%
2.14
Basic EPS
1.72
+23.74%
1.39
-10.32%
1.55
-27.91%
2.15
Basic Average Shares
14.87
+0.00%
14.87
-1.83%
15.15
-0.14%
15.17
Diluted Average Shares
14.91
+0.23%
14.87
-1.89%
15.16
-0.48%
15.23
Diluted NI Availto Com Stockholders
25.64
+23.88%
20.69
-11.72%
23.44
-28.11%
32.61
Insurance And Claims
1.78
+6.64%
1.67
+14.76%
1.46
+79.21%
0.81
Occupancy And Equipment
6.76
+1.30%
6.67
+2.82%
6.49
+8.82%
5.96
Other Non Interest Expense
8.27
+11.29%
7.43
+1.48%
7.32
-8.70%
8.02
Professional Expense And Contract Services Expense
1.79
+16.81%
1.53
-2.29%
1.57
-3.02%
1.62
Line Item Trend 2023-12-31
Total Assets
2,147.73
Cash And Cash Equivalents
91.31
Other Short Term Investments
194.25
Receivables
8.26
Accounts Receivable
8.26
Net PPE
13.74
Gross PPE
25.95
Accumulated Depreciation
-12.21
Machinery Furniture Equipment
4.81
Other Properties
12.00
Leases
9.13
Investments And Advances
197.90
Total Liabilities Net Minority Interest
1,955.10
Payables And Accrued Expenses
12.63
Payables
12.63
Accounts Payable
12.63
Long Term Debt And Capital Lease Obligation
114.34
Long Term Debt
105.00
Long Term Capital Lease Obligation
9.34
Stockholders Equity
192.63
Common Stock Equity
192.63
Capital Stock
76.28
Common Stock
76.28
Preferred Stock
0.00
Share Issued
15.00
Ordinary Shares Number
15.00
Treasury Shares Number
0.00
Additional Paid In Capital
10.94
Retained Earnings
120.86
Gains Losses Not Affecting Retained Earnings
-15.45
Other Equity Adjustments
-15.45
Total Equity Gross Minority Interest
192.63
Total Capitalization
297.63
Invested Capital
297.63
Total Debt
114.34
Net Debt
13.69
Capital Lease Obligations
9.34
Net Tangible Assets
192.63
Tangible Book Value
192.63
Available For Sale Securities
3.65
Cash Cash Equivalents And Federal Funds Sold
91.31
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
26.16
-16.27%
31.24
-53.89%
67.76
-19.08%
83.73
Cash Flow From Continuing Operating Activities
26.16
-16.27%
31.24
-53.89%
67.76
-19.08%
83.73
Net Income From Continuing Operations
25.64
+21.67%
21.07
-11.91%
23.92
-28.20%
33.31
Depreciation Amortization Depletion
7.26
+56.28%
4.65
+3.89%
4.47
+227.29%
1.37
Depreciation
7.26
+56.28%
4.65
+3.89%
4.47
+227.29%
1.37
Depreciation And Amortization
7.26
+56.28%
4.65
+3.89%
4.47
+227.29%
1.37
Other Non Cash Items
-2.34
-216.49%
2.01
-95.67%
46.36
-26.17%
62.80
Stock Based Compensation
0.70
-40.91%
1.18
-8.79%
1.30
+10.01%
1.18
Deferred Tax
0.08
+105.06%
-1.60
-53433.33%
0.00
-99.72%
1.08
Deferred Income Tax
0.08
+105.06%
-1.60
-53433.33%
0.00
-99.72%
1.08
Operating Gains Losses
-7.07
+14.95%
-8.31
-5.99%
-7.84
+36.16%
-12.29
Unrealized Gain Loss On Investment Securities
0.03
+166.67%
-0.05
-111.14%
0.43
Change In Working Capital
-1.69
-117.80%
9.49
+550.71%
-2.11
+41.14%
-3.58
Change In Receivables
-2.28
-121.82%
10.45
+228.50%
-8.13
-239.40%
-2.40
Changes In Account Receivables
-2.28
-121.82%
10.45
+228.50%
-8.13
-239.40%
-2.40
Change In Payables And Accrued Expense
0.59
+161.59%
-0.96
-115.90%
6.03
+172.30%
2.21
Change In Payable
0.59
+161.59%
-0.96
-115.90%
6.03
+172.30%
2.21
Change In Account Payable
0.59
+161.59%
-0.96
-115.90%
6.03
+172.30%
2.21
Change In Other Current Assets
11.45
+251.77%
-7.54
-2904.09%
0.27
Change In Other Current Liabilities
-4.40
-14.77%
-3.83
-4.56%
-3.66
Investing Cash Flow
-243.01
-29.73%
-187.32
-146.84%
-75.89
+83.57%
-461.78
Cash Flow From Continuing Investing Activities
-243.01
-29.73%
-187.32
-146.84%
-75.89
+83.57%
-461.78
Net PPE Purchase And Sale
-2.80
-79.32%
-1.56
+28.48%
-2.18
-54.67%
-1.41
Purchase Of PPE
-2.80
-79.32%
-1.56
+28.48%
-2.18
-54.67%
-1.41
Capital Expenditure
-2.80
-79.32%
-1.56
+28.48%
-2.18
-54.67%
-1.41
Net Investment Purchase And Sale
-4.39
-201.88%
4.31
-72.87%
15.88
+118.73%
-84.76
Purchase Of Investment
-35.11
-50.27%
-23.36
-175.19%
-8.49
+92.74%
-116.95
Sale Of Investment
30.72
+11.02%
27.67
+13.55%
24.37
-24.30%
32.19
Net Other Investing Changes
-0.54
-521.84%
-0.09
+97.85%
-4.04
+64.76%
-11.48
Financing Cash Flow
249.22
+24.73%
199.80
+1120.25%
16.37
-95.26%
345.56
Cash Flow From Continuing Financing Activities
249.22
+24.73%
199.80
+1120.25%
16.37
-95.26%
345.56
Net Issuance Payments Of Debt
4.57
+145.74%
-10.00
-109.52%
105.00
0.00
Issuance Of Debt
149.57
+647.87%
20.00
-80.95%
105.00
0.00
Repayment Of Debt
-145.00
-383.33%
-30.00
0.00
0.00
Long Term Debt Issuance
149.57
+647.87%
20.00
-80.95%
105.00
0.00
Long Term Debt Payments
-145.00
-383.33%
-30.00
0.00
0.00
Net Long Term Debt Issuance
4.57
+145.74%
-10.00
-109.52%
105.00
0.00
Net Common Stock Issuance
-0.71
+74.26%
-2.74
+30.27%
-3.93
0.00
Common Stock Payments
-0.71
+74.26%
-2.74
+30.27%
-3.93
0.00
Common Stock Dividend Paid
-7.13
+0.14%
-7.14
+1.73%
-7.27
-8.88%
-6.68
Cash Dividends Paid
-7.13
+0.14%
-7.14
+1.73%
-7.27
-8.88%
-6.68
Repurchase Of Capital Stock
-0.71
+74.26%
-2.74
+30.27%
-3.93
0.00
Proceeds From Stock Option Exercised
0.00
-100.00%
0.16
-81.98%
0.89
+46.05%
0.61
Net Other Financing Charges
-0.78
-294.92%
-0.20
-101.02%
-0.10
-20.99%
-0.08
Changes In Cash
32.37
-25.98%
43.73
+430.41%
8.24
+125.38%
-32.49
Beginning Cash Position
134.94
+47.94%
91.22
+9.94%
82.97
-28.14%
115.46
End Cash Position
167.31
+23.99%
134.94
+47.94%
91.22
+9.94%
82.97
Free Cash Flow
23.36
-21.30%
29.68
-54.74%
65.57
-20.35%
82.32
Interest Paid Supplemental Data
73.45
+7.12%
68.57
+59.02%
43.12
+374.48%
9.09
Income Tax Paid Supplemental Data
7.47
-9.61%
8.26
-1.55%
8.39
-42.09%
14.49
Amortization Of Securities
1.70
+28.00%
1.32
+90.10%
0.70
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category