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OP Bancorp

NMQ:OPBK · US67109R1095
BanksX-Small

360

93
Profit price97
Cash yield87
Price/Sales87
EV / Gross Profit67
Price/Book78
Returns on capital100
Profit margins—
Cash Conversion21
Accruals11
Owner Earnings Margin96
Sales growth42
Profit Growth36
Owner Earnings Growth78
Reinvestment23
Price momentum14
Debt load66
Debt serviceability53
Liquidity1
Analyst ratings71
Opinion Changes50
Price Target Upside94
Market mood3
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

OP Bancorp generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Websiteopbancorp.q4ir.com/overview/default.aspx
ISINUS67109R1095
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingCommercial LendingFinancial ServicesMortgagePaymentsPersonal FinanceRetail

Description

OP Bancorp operates as the bank holding company for Open Bank that operates its commercial community banking activities. The company provides commercial banking services to small and medium-sized businesses, their owners, and retail customers, with…

Analysis

Hidden champion

OP Bancorp fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 6.1×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
44
2023202420252026

All-time high

100

Feb 2024

All-time low

36

Mar 2026

Average rank

76

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
87
85
93
97
Price/Earnings
96
91
100
100
Price/Book
78
74
79
67
Dividend Yield
87
69
78
84
Value (overall)
98
93
98
100

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →