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OPBKOP Bancorp
$14.79$220M
Overview & Verdict
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OPBK logoOP Bancorp(OPBK)Earnings, Financials & Key Ratios

OPBK•NASDAQ•Banking & Credit
$14.79
8.6× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. As of January 27, 2022, the company operated nine full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas. It also had four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.Show more
  • Net Interest Income$78M+19.4%
  • Total Revenue$167M+8.2%
  • Net Income$26M+21.8%
  • Return on Equity11.85%+11.8%
  • Net Interest Margin2.96%+6.6%
  • Efficiency Ratio33.47%+2.7%
  • ROA1.02%+9.6%
  • Equity / Assets8.6%-0.8%
  • Book Value per Share15.29+10.9%

OPBK Price & Volume

OP Bancorp (OPBK) stock price & volume — 10-year historical chart

Loading chart...

SBA Revenue Dependency Masks Stable Asset Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE and SBA concentration

Key Thesis Takeaways

  • OP Bancorp is successfully scaling its asset base to $2.7 billion as of 2026Q1, though persistent net interest margin stagnation at 0.8% limits profitability expansion.
  • The bank's reliance on SBA loan sales for 9.5% of total revenue introduces significant cash flow volatility that warrants caution.
  • Investors should monitor the bank's ability to manage credit risks within its concentrated commercial real estate portfolio while maintaining its current 0.09 equity-to-assets ratio.

Verdict Logic

while the stock trades at a 0.59 PEG ratio and offers a 3.1% dividend yield, the persistent 0.8% net interest margin and reliance on volatile SBA fee income suggest limited near-term upside.

OPBK Growth Metrics

OP Bancorp (OPBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.52%
5 Years20.94%
3 Years16.34%
TTM-

Profit CAGR

10 Years15.71%
5 Years14.34%
3 Years-8.34%
TTM27.69%

EPS CAGR

10 Years16.61%
5 Years15.14%
3 Years-7.02%
TTM28.17%

Return on Capital

10 Years14.23%
5 Years14.02%
3 Years7.96%
Last Year2.39%

OPBK Recent Earnings

OP Bancorp (OPBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (67%)●Beat Revenue 5/12 qtrs (56%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.48+17.1%
$0.41
Rev
$25M+0.2%
$25M
Q2 2026
Mar 13, 2026
Metric
Actual
Est
EPS
$0.47
—
Rev
$43M
—
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.47-9.6%
$0.52
Rev
$24M-2.3%
$25M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.45+2.3%
$0.44
Rev
$24M-0.3%
$25M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.48vs $0.41+17.1%
$25Mvs $25M+0.2%
Q2 2026Mar 13, 2026
$0.47
$43M
Q1 2026Jan 22, 2026
$0.47vs $0.52-9.6%
$24Mvs $25M-2.3%
Q4 2025Oct 23, 2025
$0.45vs $0.44+2.3%
$24Mvs $25M-0.3%
Based on last 12 quarters of dataView full earnings history →

Latest OPBK News

Recent stock market news and headlines for OP Bancorp (OPBK)

Zacks Investment Research·Jun 29, 2026
Why OP Bancorp (OPBK) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OP Bancorp (OPBK) have what it takes?

Peers Comparison

Key metrics vs top competitors for OP Bancorp (OPBK)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OPBK logoOPBKOP BancorpCurrent
$14.79$220.21M8.608.19%15.39%11.85%3.24%
HAFC logoHAFCHanmi Financial Corporation
$32.17$957.59M12.823.55%18.42%10.31%—
PFBC logoPFBCPreferred Bank
$105.22$1.25B10.11-4.11%26.69%17.48%—
BCAL logoBCALSouthern California Bancorp
$20.61$662.92M10.6828.44%25.68%10.59%—
CLBK logoCLBKColumbia Financial, Inc.
$21.47$2.23B42.0911.94%11%4.87%—
CATY logoCATYCathay General Bancorp
$61.46$4.12B13.54-0.43%24.09%11.37%—

Compare OPBK vs Peers

OP Bancorp (OPBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HAFC

Most directly comparable listed peer for OPBK.

Scale Benchmark

vs WAL

Larger-name benchmark to compare OPBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs HAFC, PFBC, BCAL, CLBK

OPBK SEC Filings & Documents

OP Bancorp (OPBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 28, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Jan 22, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 28, 2025·SEC

FY 2024

Mar 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 15, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 11, 2025·SEC

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OPBK Frequently Asked Questions

OP Bancorp (OPBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is OP Bancorp growing?

OP Bancorp (OPBK) grew revenue by 8.2% over the past year. This is steady growth.

Is OPBK profitable?

Yes, OP Bancorp (OPBK) is profitable, generating $27.3M in net income for fiscal year 2025 (15.4% net margin).

Dividend & Returns
Does OPBK pay dividends?

Yes, OP Bancorp (OPBK) pays a dividend with a yield of 3.24%. This makes it attractive for income-focused investors.

What is OPBK's return on equity?

OP Bancorp (OPBK) has a return on equity (ROE) of 11.9%. This is reasonable for most industries.

Industry Metrics
What is OP Bancorp's net interest margin?

OP Bancorp (OPBK) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.

What is OP Bancorp's efficiency ratio?

OP Bancorp (OPBK) has an efficiency ratio of 33.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in OPBK back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →