📊 OPBK Key Takeaways
Is OP Bancorp (OPBK) a Good Investment?
Interest coverage of 0.6x indicates the bank cannot cover interest expense from operating income, signaling financial distress. Critically weak returns (ROA 0.3%, ROE 3.1%) reveal operational inefficiency for a $2.7B asset bank. Severe data quality issues with revenue reporting limit assessment confidence but available fundamentals suggest fundamental weakness.
OP Bancorp shows solid core profitability for a bank (ROE 11.2%, ROA 1.0%) with positive free cash flow and a conservatively levered balance sheet. EPS growth alongside flat net income points to efficiency/share count improvements, supporting earnings resilience. Caution is warranted due to low interest coverage and anomalous revenue reporting, but fundamentals appear sound.
OP Bancorp Key Strengths (OPBK)
- Positive net income growth (23.9% YoY) and diluted EPS growth (23.7% YoY)
- Debt/Equity ratio of 0x indicates no long-term debt burden typical for banks
- Positive operating cash flow ($7.7M) and free cash flow ($7.6M)
- Healthy profitability (ROE 11.2%, ROA 1.0%)
- Consistent free cash flow with low capex needs
- Strong liquidity and minimal recorded long-term debt
OPBK Stock Risks: OP Bancorp Investment Risks
- Interest coverage of 0.6x critically low—operating income cannot cover interest expense, indicating severe debt service pressure
- Return on Assets (0.3%) and Return on Equity (3.1%) are alarmingly weak for banking sector (healthy banks target ROA 1%+ and ROE 10%+)
- Revenue data quality severely compromised (463K for $2.7B asset bank); margin percentages mathematically impossible, limiting reliable fundamental analysis
- Interest rate and funding cost pressure (low interest coverage)
- Credit quality deterioration in loan portfolio
- Reported revenue volatility/data classification may obscure earnings quality
Key Metrics to Watch
- Interest coverage ratio (must improve above 1.0x immediately)
- Return on Assets and Return on Equity trends in next quarterly reports
- Deposit trends and loan portfolio composition to assess core operational health
- Net interest margin (NIM) and cost of funds
- Nonperforming assets and charge-offs
OP Bancorp (OPBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 1,642.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
OPBK Profit Margin, ROE & Profitability Analysis
OPBK vs Finance Sector: How OP Bancorp Compares
How OP Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is OP Bancorp Stock Overvalued? OPBK Valuation Analysis 2026
Based on fundamental analysis, OP Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
OP Bancorp Balance Sheet: OPBK Debt, Cash & Liquidity
OPBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: OP Bancorp's revenue has grown significantly by 62% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.55 reflects profitable operations.
OPBK Revenue Growth, EPS Growth & YoY Performance
OPBK Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $463.0K | $5.6M | $0.37 |
| Q3 2025 | $725.0K | $5.4M | $0.36 |
| Q2 2025 | $793.0K | $5.4M | $0.36 |
| Q1 2025 | $612.0K | $5.2M | $0.34 |
| Q3 2024 | $575.0K | $5.1M | $0.33 |
| Q2 2024 | $573.0K | $5.4M | $0.36 |
| Q1 2024 | $418.0K | $5.2M | $0.34 |
| Q3 2023 | $454.0K | $5.1M | $0.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
OP Bancorp Dividends, Buybacks & Capital Allocation
OPBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for OP Bancorp (CIK: 0001722010)
📋 Recent SEC Filings
❓ Frequently Asked Questions about OPBK
What is the AI rating for OPBK?
OP Bancorp (OPBK) has a Combined AI Grade of B from Claude (C) and ChatGPT (A) with 52% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are OPBK's key strengths?
Claude: Positive net income growth (23.9% YoY) and diluted EPS growth (23.7% YoY). Debt/Equity ratio of 0x indicates no long-term debt burden typical for banks. ChatGPT: Healthy profitability (ROE 11.2%, ROA 1.0%). Consistent free cash flow with low capex needs.
What are the risks of investing in OPBK?
Claude: Interest coverage of 0.6x critically low—operating income cannot cover interest expense, indicating severe debt service pressure. Return on Assets (0.3%) and Return on Equity (3.1%) are alarmingly weak for banking sector (healthy banks target ROA 1%+ and ROE 10%+). ChatGPT: Interest rate and funding cost pressure (low interest coverage). Credit quality deterioration in loan portfolio.
What is OPBK's revenue and growth?
OP Bancorp reported revenue of $463.0K.
Does OPBK pay dividends?
OP Bancorp pays dividends, with $1.8M distributed to shareholders in the trailing twelve months.
Where can I find OPBK SEC filings?
Official SEC filings for OP Bancorp (CIK: 0001722010) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OPBK's EPS?
OP Bancorp has a diluted EPS of $0.48.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is OPBK's fundamental grade?
Based on our AI fundamental analysis in May 2026, OP Bancorp has a B grade with 52% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is OPBK stock overvalued or undervalued?
Valuation metrics for OPBK: ROE of 3.1% (sector avg: 12%), net margin of 1,562.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is OPBK's AI grade for 2026?
Our dual AI analysis gives OP Bancorp a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is OPBK's free cash flow?
OP Bancorp's operating cash flow is $7.7M, with capital expenditures of $114.0K. FCF margin is 1,642.1%.
How does OPBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 1,562.4% (avg: 25%), ROE 3.1% (avg: 12%), current ratio N/A (avg: 1.2).