OP Bancorp · Banks

OPBK

Moderate riskNext report: Around Jan 21, 2027 (est.)

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The short version

A profitable company with shrinking sales. Institutions are adding.

Going well

Pays a 3.2% dividend yield
Profitable every year for 10 years
Sales growth speeding up

Watch out for

Sales down 49% in the latest quarter vs a year ago

Money moves

No insider buying or selling in the last 30 days
Institutions added 24% to their holdings in the quarter ending June 2026 (62 bought, 28 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$15.03+2.0% that day

Company value: $224M; Share price times all shares
Price vs profit (P/E): 7.8x; You pay about $8 for each $1 of yearly profit
Price vs sales: 103.7x; Company value is 103.7 times a year of sales
Dividend yield: 3.2%; Yearly dividend as a share of today's price
Cash vs value: 78%; A big cushion: cash is a large part of what the company is worth

From OPBK's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$515K-49% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $2.2M, down 44% from the 12 months before.

What the price assumes

Your guesses, our math

Move the sliders to your own view of OPBK. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).

Sales growth-10% a yearRecently: -44% a yearProfit margin10%Not reportedP/E at the end8xToday: 7.8x. Many steady companies trade at 12x to 25xShare count change-1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$1M

Profit in 5 years$0M

Price these guesses point to$0.07-100% vs $15.03 todayAbout -66% a year, before dividends

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/4Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.11.8%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$23.4M
PassShare count not growingNot diluting owners. Falling means buybacks.-2.1% in 3 years

Revenue: $3.2M
Free cash flow: $23.4M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 22After close4:31 pm ET

From the press release

Oh, President and Chief Executive Officer: . “We delivered solid results in the third quarter, with net income of $7.8 million and diluted EPS of $0.52.
Noninterest income decreased by $356 thousand, or 6%, primarily driven by lower other income. ◦ Gains on Sale of Loans : Decreased by $93 thousand, primarily reflecting a lower average premium rate, partially offset by higher SBA loan sales volume.
The dividend is payable on or about November 19, 2026, to shareholders of record as of the close of business on November 5, 2026.

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗