Lumida
/OPBK
⌘K
OP Bancorp

OP Bancorp

OPBK
$14.98USD↓-1.96%-0.30 today

MARKET CAP

223.1M

P/E (TTM)

8.2x

FWD P/E

7.6x

DAY RANGE

$15 – $15

52W RANGE

$12
$16

AI Summary

Stalk
TrimMedium

OPBK is in a medium-term distribution phase with price locked in a range around its EMAs, and no bullish patterns support upside. The lack of clear rejection or breakdown signals in the short term argues for patience until the distribution resolves lower. Long-term trend remains positive, but the dominant 1–3 month regime favors sell-side engagement only upon structural weakness.

  • ↑Q1 2026 EPS $0.48 surpasses consensus by 14.64%, driven by disciplined expense management and stable net interest income.
  • ↑Earnings yield of ~1.0% and book/price ratio of 1.49 suggest the stock is undervalued relative to peers.
  • ↓Negative profitability and growth factors point to challenges in operational efficiency and revenue expansion.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

OP Bancorp (NASDAQ: OPBK) is a community bank focused on serving the Korean-American community, providing various banking services, including relationship lending and deposit gathering. The company operates within the regional banking sector and aims to deliver engaged customer service to its niche market. OPBK's position is bolstered by its strong community ties, allowing it to maintain patient asset quality amidst economic fluctuations.

Bull says

  • ↑Q1 2026 EPS $0.48 surpasses consensus by 14.64%, driven by disciplined expense management and stable net interest income.
  • ↑Earnings yield of ~1.0% and book/price ratio of 1.49 suggest the stock is undervalued relative to peers.
  • ↑Dividend yield of 0.59% reflects consistent capital returns and income generation for shareholders.
  • ↑Focused on the Korean-American community, OPBK leverages relationship lending to maintain strong asset quality.
  • ↑Positive leverage trends and solid quality/stability metrics indicate resilience against economic fluctuations.
  • ↑Community banking niche supports deposit stability and customer loyalty, offering a moat against larger competitors.

Bear says

  • ↓Negative profitability and growth factors point to challenges in operational efficiency and revenue expansion.
  • ↓High short interest underscores investor skepticism, risking additional downward pressure on the share price.
  • ↓Weak liquidity metrics imply potential funding constraints and difficulties navigating market fluctuations.
  • ↓Interest rate sensitivity may compress net interest margins if funding costs rise.
  • ↓Dependence on a niche demographic could limit growth compared to larger, more diversified banks.
  • ↓Competitive and digital banking threats from larger institutions may erode market share over time.