OPBK OP Bancorp - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ 10-K/10-Q Aug 7, 2026
$15.01
· of 52w range
· above low
· to high
$12.4152w low
$16.8352w high
Market Cap (MRQ)
$224M
P/E (TTM)
7.7
EPS (TTM)
$1.94
Revenue (TTM)
$2M
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52W Range
$12–$17
Analyst Rating
BUY
Price Target
$18
P/E
7.7
ROE
12.8%
Net Profit Margin
1337.4%
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OPBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$15.01
Market Cap (MRQ)
$224M
P/E (TTM)
7.7
EPS (TTM)
$1.94
Revenue (TTM)
$2M
Div Yield
3.2%
ROE (TTM)
12.8%
52W Range
$12–$17
OPBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$3M2016-12-31 → 2025-12-31
EPS$1.722016-12-31 → 2025-12-31
Free Cash Flow$23M2020-12-31 → 2025-12-31
Net margin1337.4%2020-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | OPBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 7.75Y avg ≈7.7 | ≈7.7 | 10.4 | Undervalued | |
| P/S (TTM) | 103.55Y avg ≈88.3 | ≈88.3 | 19.3 | Overvalued | |
| P/B (MRQ) | 0.95Y avg ≈1.0 | ≈1.0 | 0.9 | Fair value | |
| Price / FCF (TTM) | 8.35Y avg ≈3.0 | ≈3.0 | · | · | |
| Price / Cash Flow (TTM) | 8.05Y avg ≈2.6 | ≈2.6 | 9.7 | Undervalued | |
| Price / Tangible Book | 1.05Y avg ≈1.0 | ≈1.0 | · | · | |
| PEG Ratio | ≈0.5 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | OPBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 1854.5%5Y avg ≈1792.8% | ≈1792.8% | 40.9% | Top tier | |
| Net Profit Margin (TTM) | 1337.4%5Y avg ≈1281.6% | ≈1281.6% | 31.5% | Top tier | |
| ROA (TTM) | 1.1%5Y avg ≈1.3% | ≈1.3% | 0.98% | Top tier | |
| ROE (TTM) | 12.8%5Y avg ≈14.3% | ≈14.3% | 9.4% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | OPBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -1.8%5Y avg ≈19.0% | ≈19.0% | · | · | |
| Revenue CAGR 3Y | 24.1%5Y avg ≈22.0% | ≈22.0% | · | · | |
| Revenue CAGR 5Y | 17.5% | · | · | · | |
| EPS YoY | 23.7%5Y avg ≈24.2% | ≈24.2% | · | · | |
| Net Income YoY | 21.7%5Y avg ≈23.4% | ≈23.4% | · | · | |
| EPS CAGR 3Y | -7.0%5Y avg ≈1.9% | ≈1.9% | · | · | |
| EPS CAGR 5Y | 15.1% | · | · | · | |
| Net Income CAGR 3Y | -8.4%5Y avg ≈1.3% | ≈1.3% | · | · | |
| Net Income CAGR 5Y | 14.3% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | OPBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$12.9K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.2%
Payout Ratio27.8%
Annualized Payout≈$0.56
5Y Div CAGR≈11.4%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 6, 2026 | $0.14 | USD | ≈3.3% |
| May 7, 2026 | $0.14 | USD | ≈3.4% |
| Feb 5, 2026 | $0.12 | USD | ≈3.4% |
| Nov 6, 2025 | $0.12 | USD | ≈3.7% |
| Aug 7, 2025 | $0.12 | USD | ≈3.8% |
| May 8, 2025 | $0.12 | USD | ≈3.8% |
| Feb 6, 2025 | $0.12 | USD | ≈3.2% |
| Nov 7, 2024 | $0.12 | USD | ≈3.1% |
| Aug 8, 2024 | $0.12 | USD | ≈4.1% |
| May 8, 2024 | $0.12 | USD | ≈4.8% |
| Feb 7, 2024 | $0.12 | USD | ≈5.0% |
| Nov 8, 2023 | $0.12 | USD | ≈5.6% |
| Aug 9, 2023 | $0.12 | USD | ≈4.7% |
| May 10, 2023 | $0.12 | USD | ≈6.0% |
| Feb 8, 2023 | $0.12 | USD | ≈4.0% |
| Nov 9, 2022 | $0.12 | USD | ≈3.9% |
| Aug 10, 2022 | $0.12 | USD | ≈3.5% |
| May 11, 2022 | $0.10 | USD | ≈3.4% |
| Feb 9, 2022 | $0.10 | USD | ≈2.6% |
| Nov 9, 2021 | $0.10 | USD | ≈2.8% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
7.3%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2026 | Oct 20, 2026 | $0.52 | $0.51 | 2.5% |
| June 30, 2026 | Jul 21, 2026 | $0.53 | $0.46 | 16.4% |
| March 31, 2026 | $0.48 | $0.42 | 14.6% | |
| Dec. 31, 2025 | $0.47 | $0.50 | -5.5% | |
| Sept. 30, 2025 | $0.45 | $0.45 | 0.27% | |
| June 30, 2025 | $0.42 | $0.39 | 7.5% | |
| March 31, 2025 | $0.37 | $0.32 | 15.5% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3M | $3M | $2M | $2M | $2M | $1M | $2M | $2M | $2M | $1M | |
| Interest Expense | · | · | $53M | $11M | $3M | $8M | $15M | $9M | $5M | $3M | |
| Interest Income | $150M | $138M | $122M | $88M | $64M | $54M | $59M | $50M | $40M | $32M | |
| Pretax Income | $35M | $29M | $33M | $47M | $41M | $18M | $22M | $19M | $17M | $12M | |
| Income Tax | $10M | $8M | $10M | $13M | $12M | $5M | $5M | $5M | $8M | $5M | |
| Net Income | $26M | $21M | $24M | $33M | $29M | $13M | $17M | $14M | $9M | $7M | |
| EPS (Basic) | $1.72 | $1.39 | $1.55 | $2.15 | $1.89 | $0.85 | $1.04 | $0.92 | $0.68 | $0.55 | |
| EPS (Diluted) | $1.72 | $1.39 | $1.55 | $2.14 | $1.88 | $0.85 | $1.03 | $0.89 | $0.66 | $0.53 | |
| Shares (Basic) | 14,872,429 | 14,871,876 | 15,149,597 | 15,171,240 | 15,087,686 | 15,196,351 | 15,741,926 | 15,104,939 | 13,063,344 | 12,788,378 | |
| Shares (Diluted) | 14,906,054 | 14,871,876 | 15,158,857 | 15,231,418 | 15,155,347 | 15,223,888 | 15,935,314 | 15,551,063 | 13,485,791 | 13,158,155 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $167M | $135M | $91M | $83M | $115M | $106M | $86M | $78M | $63M | $20M | |
| PP&E (Net) | $6M | $5M | $5M | $4M | $4M | $5M | $5M | $5M | $4M | · | |
| PP&E (Gross) | $20M | $19M | $17M | $15M | $14M | $13M | $12M | $10M | $9M | · | |
| Accum. Depreciation | $15M | $13M | $12M | $11M | $10M | $8M | $7M | $6M | $5M | · | |
| Total Assets | $2.65B | $2.37B | $2.15B | $2.09B | $1.73B | $1.37B | $1.18B | $1.04B | $901M | · | |
| Total Liabilities | $2.42B | $2.16B | $1.96B | $1.92B | $1.56B | $1.22B | $1.04B | $914M | $810M | · | |
| Common Stock | $73M | $74M | $76M | $79M | $79M | $79M | $86M | $91M | $68M | · | |
| Paid-in Capital | · | · | · | · | · | · | · | $6M | $5M | · | |
| Retained Earnings | $153M | $135M | $121M | $106M | $79M | $55M | $46M | $33M | $19M | · | |
| AOCI | $-10M | $-15M | $-15M | $-18M | $-1M | $840.0K | $188.0K | $-548.0K | $-350.0K | · | |
| Stockholders' Equity | $228M | $205M | $193M | $177M | $165M | $143M | $141M | $130M | $91M | $81M | |
| Liabilities + Equity | $2.65B | $2.37B | $2.15B | $2.09B | $1.73B | $1.37B | $1.18B | $1.04B | $901M | · | |
| Shares Outstanding | 14,889,540 | 14,819,866 | 15,000,436 | 15,000,436 | 15,137,808 | 15,016,700 | 15,703,276 | 15,860,306 | 13,190,527 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $7M | $5M | $4M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Stock-based Comp | $699.0K | $1M | $1M | $1M | $558.0K | $1M | $1M | $969.0K | $668.0K | $1M | |
| Deferred Tax | $81.0K | $-2M | $3.0K | $1M | $-2M | $-2M | $174.0K | · | · | · | |
| Operating Cash Flow | $26M | $31M | $68M | $84M | $-28M | $-5M | $19M | $31M | $-2M | $11M | |
| CapEx | $3M | $2M | $2M | $1M | $1M | $619.0K | $2M | $1M | $421.0K | $259.0K | |
| Investing Cash Flow | $-243M | $-187M | $-76M | $-462M | $-286M | $-147M | $-118M | $-146M | $-82M | $-160M | |
| Stock Issued | · | · | · | · | · | · | · | $23M | · | · | |
| Stock Repurchased | $706.0K | $3M | $4M | $0 | $28.0K | $8M | $5M | · | · | · | |
| Net Stock Activity | $-706.0K | $-3M | $-4M | $0 | $-28.0K | $-8M | · | · | · | · | |
| Dividends Paid | $7M | $7M | $7M | $7M | $5M | $4M | $3M | · | · | · | |
| Financing Cash Flow | $249M | $200M | $16M | $346M | $323M | $172M | $107M | $130M | $127M | $132M | |
| Net Change in Cash | $32M | $44M | $8M | $-32M | $9M | $20M | $8M | $14M | $43M | $-17M | |
| Taxes Paid | $7M | $8M | $8M | · | · | · | · | · | · | · | |
| Free Cash Flow | $23M | $30M | $66M | $82M | $-29M | $-6M | · | · | · | · | |
| Levered FCF | · | · | $28M | $74M | $-32M | $-12M | · | · | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 800.1% | 646.1% | 1126.6% | 1988.7% | 1846.3% | 1159.6% | · | · | · | · | |
| Pretax Margin | 1102.6% | 891.7% | 1577.5% | 2789.5% | 2602.8% | 1610.8% | · | · | · | · | |
| ROA | 1.0% | 0.93% | 1.1% | 1.7% | 1.9% | 1.0% | · | · | · | · | |
| ROE | 11.6% | 10.3% | 12.7% | 19.2% | 17.8% | 9.2% | · | · | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $15.31 | $13.83 | $12.61 | $11.59 | $10.91 | $9.55 | · | · | · | · | |
| Revenue / Share | $0.21 | $0.22 | $0.14 | $0.11 | $0.10 | $0.07 | · | · | · | · | |
| Cash Flow / Share | $1.76 | $2.11 | $4.48 | $5.50 | $-1.87 | $-0.33 | · | · | · | · | |
| Cash / Share | $11.24 | $9.11 | $5.97 | $5.43 | $7.63 | $7.09 | · | · | · | · | |
| Dividend / Share | $0.48 | $0.48 | $0.48 | $0.44 | $0.34 | $0.28 | $0.20 | · | · | · | |
| EPS (TTM) | $1.72 | $1.39 | $1.55 | $2.14 | $1.88 | $0.85 | $1.03 | $0.89 | · | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -1.8% | 53.6% | 26.8% | 7.2% | 9.2% | · | · | · | · | · | |
| Revenue CAGR 3Y | 24.1% | 27.8% | 14.1% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 17.5% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 23.7% | -10.3% | -27.6% | 13.8% | 121.2% | · | · | · | · | · | |
| EPS CAGR 3Y | -7.0% | -9.6% | 22.2% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 15.1% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 21.7% | -11.9% | -28.2% | 15.5% | 119.7% | · | · | · | · | · | |
| Net Income CAGR 3Y | -8.4% | -9.9% | 22.1% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 14.3% | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 10.8% | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $3M | $3M | $2M | $2M | $2M | $1M | $2M | $2M | · | · | |
| Net Income TTM | $26M | $21M | $24M | $33M | $29M | $13M | $17M | $14M | · | · | |
| Market Cap | $210M | $234M | $167M | $170M | $193M | $116M | · | · | · | · | |
| P/E | 8.2 | 11.4 | 7.1 | 5.2 | 6.8 | 9.1 | 10.1 | 10.0 | · | · | |
| P/S | 65.6 | 71.8 | 78.8 | 101.7 | 123.7 | 80.8 | · | · | · | · | |
| P/B | 0.9 | 1.1 | 0.9 | 1.0 | 1.2 | 0.8 | · | · | · | · | |
| P / Tangible Book | 0.9 | 1.1 | 0.9 | 1.0 | 1.2 | 0.8 | · | · | · | · | |
| P / Cash Flow | 8.0 | 7.5 | 2.5 | 2.0 | -6.8 | -23.3 | · | · | · | · | |
| P / FCF | 9.0 | 7.9 | 2.5 | 2.1 | -6.6 | -20.7 | · | · | · | · | |
| Dividend Yield | 3.4% | 3.0% | 4.3% | 3.9% | 2.7% | 3.7% | · | · | · | · | |
| Earnings Yield | 12.2% | 8.8% | 14.2% | 19.2% | 14.7% | 11.0% | 9.9% | 10.0% | · | · | |
| Payout Ratio | 27.8% | 33.9% | 30.4% | 20.0% | 17.8% | 32.5% | · | · | · | · | |
| Annual Payout | $7M | $7M | $7M | $7M | $5M | $4M | $3M | · | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $515.0K | $463.0K | $462.0K | $725.0K | $1M | $1M | $967.0K | $889.0K | $793.0K | $612.0K | $557.0K | $575.0K | $573.0K | $418.0K | $406.0K | $454.0K | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $17M | · | $14M | $13M | $11M | · | $3M | |
| Interest Income | $38M | $39M | $39M | $39M | $38M | $35M | $35M | $35M | $34M | $33M | $32M | $31M | $30M | $29M | $27M | $23M | |
| Pretax Income | $11M | $10M | $10M | $10M | $8M | $8M | $7M | $8M | $8M | $7M | $7M | $7M | $9M | $11M | $11M | $12M | |
| Income Tax | $3M | $3M | $2M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $4M | |
| Net Income | $8M | $7M | $7M | $7M | $6M | $6M | $5M | $5M | $5M | $5M | $5M | $5M | $6M | $8M | $8M | $9M | |
| EPS (Basic) | $0.54 | $0.49 | $0.48 | $0.45 | $0.42 | $0.37 | $0.33 | $0.36 | $0.36 | $0.34 | $0.35 | $0.33 | $0.39 | $0.48 | $0.51 | $0.56 | |
| EPS (Diluted) | $0.53 | $0.48 | $0.48 | $0.45 | $0.42 | $0.37 | $0.33 | $0.36 | $0.36 | $0.34 | $0.35 | $0.33 | $0.39 | $0.48 | $0.52 | $0.55 | |
| Shares (Basic) | 14,903,398 | 14,890,929 | · | 14,885,614 | 14,859,718 | 14,857,234 | · | 14,812,118 | 14,868,344 | 14,991,835 | · | 15,131,587 | 15,158,365 | 15,284,350 | · | 15,195,826 | |
| Shares (Diluted) | 14,942,130 | 14,930,173 | · | 14,919,474 | 14,859,718 | 14,857,234 | · | 14,812,118 | 14,868,344 | 14,991,835 | · | 15,140,577 | 15,169,794 | 15,312,673 | · | 15,275,156 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $175M | $160M | $167M | $167M | $205M | $199M | $135M | $167M | $128M | $139M | · | $106M | $144M | $182M | · | $107M | |
| PP&E (Net) | $5M | $6M | $6M | $7M | $7M | $7M | $5M | $5M | $5M | $5M | · | $5M | $5M | $5M | · | $4M | |
| PP&E (Gross) | $21M | $21M | $20M | $21M | $21M | $20M | $19M | $18M | $17M | $17M | · | $17M | $17M | $16M | · | $15M | |
| Accum. Depreciation | $15M | $15M | $15M | $14M | $14M | $14M | $13M | $13M | $13M | $12M | · | $12M | $12M | $11M | · | $11M | |
| Total Assets | $2.74B | $2.70B | $2.65B | $2.61B | $2.56B | $2.51B | $2.37B | $2.39B | $2.29B | $2.23B | · | $2.14B | $2.15B | $2.17B | · | $2.03B | |
| Total Liabilities | $2.51B | $2.47B | $2.42B | $2.39B | $2.35B | $2.30B | $2.16B | $2.18B | $2.09B | $2.04B | · | $1.96B | $1.97B | $1.99B | · | $1.86B | |
| Common Stock | $73M | $73M | $73M | $73M | $73M | $74M | $74M | $74M | $74M | $76M | · | $78M | $77M | $79M | · | $79M | |
| Retained Earnings | $165M | $159M | $153M | $148M | $143M | $139M | $135M | $132M | $128M | $124M | · | $117M | $114M | $110M | · | $99M | |
| AOCI | $-11M | $-11M | $-10M | $-11M | $-14M | $-14M | $-15M | $-13M | $-17M | $-17M | · | $-21M | $-18M | $-16M | · | $-18M | |
| Stockholders' Equity | $239M | $233M | $228M | $221M | $214M | $210M | $205M | $204M | $196M | $195M | $193M | $184M | $184M | $184M | $177M | $170M | |
| Liabilities + Equity | $2.74B | $2.70B | $2.65B | $2.61B | $2.56B | $2.51B | $2.37B | $2.39B | $2.29B | $2.23B | · | $2.14B | $2.15B | $2.17B | · | $2.03B | |
| Shares Outstanding | 14,926,750 | 14,894,239 | 14,889,540 | 14,885,614 | 14,885,614 | 14,914,261 | 14,819,866 | 14,811,671 | 14,816,281 | 14,982,555 | · | 15,270,344 | 15,270,344 | 15,270,344 | · | 15,199,840 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $5M | $394.0K | $1M | $834.0K | $3M | $332.0K | $367.0K | $3M | $302.0K | $302.0K | $334.0K | $347.0K | $349.0K | |
| Stock-based Comp | $193.0K | $180.0K | $212.0K | $174.0K | $153.0K | $160.0K | $275.0K | $272.0K | $317.0K | $319.0K | $336.0K | $323.0K | $314.0K | $324.0K | $321.0K | $256.0K | |
| Deferred Tax | $-1.0K | $330.0K | $-674.0K | $-532.0K | $364.0K | $923.0K | $-1M | $-312.0K | $-263.0K | $54.0K | $-750.0K | $-339.0K | $18.0K | $2M | $3M | $-1M | |
| Operating Cash Flow | $-7M | $8M | $4M | $24M | $-7M | $6M | $5M | $13M | $16M | $-3M | $-1M | $15M | $9M | $45M | $3M | $46M | |
| CapEx | $127.0K | $114.0K | $103.0K | $554.0K | $720.0K | $1M | $815.0K | $580.0K | $77.0K | $90.0K | $231.0K | $587.0K | $748.0K | $581.0K | $364.0K | $240.0K | |
| Investing Cash Flow | $-17M | $-60M | $-33M | $-104M | $-24M | $-82M | $-18M | $-56M | $-79M | $-35M | $-2M | $-37M | $-23M | $-14M | $-85M | $-155M | |
| Stock Repurchased | · | · | $-7.0K | $0 | $713.0K | $0 | $0 | $52.0K | $2M | $483.0K | $1M | $0 | $2M | $571.0K | $0 | $0 | |
| Net Stock Activity | · | · | · | · | · | $0 | · | · | · | $-483.0K | · | · | · | $-571.0K | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $39M | $45M | $30M | $42M | $37M | $140M | $-19M | $82M | $51M | $86M | $-11M | $-16M | $-24M | $67M | $58M | $83M | |
| Net Change in Cash | $15M | $-7M | $563.0K | $-39M | $7M | $64M | $-32M | $39M | $-12M | $48M | $-15M | $-38M | $-38M | $99M | $-24M | $-25M | |
| Taxes Paid | $6M | $31.0K | · | · | $3M | $21.0K | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | · | $8M | · | · | · | $4M | · | · | · | $-3M | · | · | · | $44M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-15M | · | · | · | $36M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 1549.1% | 1562.4% | · | 924.5% | 622.7% | 556.0% | · | 611.5% | 685.5% | 853.9% | · | 890.6% | 1063.0% | 1802.4% | · | 1905.3% | |
| Pretax Margin | 2144.1% | 2140.4% | · | 1334.1% | 830.5% | 768.4% | · | 852.4% | 954.9% | 1186.8% | · | 1220.9% | 1493.4% | 2539.9% | · | 2679.5% | |
| ROA | 0.30% | 0.28% | · | 0.27% | 0.26% | 0.23% | · | 0.24% | 0.24% | 0.24% | · | 0.25% | 0.30% | 0.37% | · | 0.47% | |
| ROE | 3.5% | 3.3% | · | 3.1% | 3.1% | 2.8% | · | 2.8% | 2.9% | 2.8% | · | 2.9% | 3.5% | 4.3% | · | 5.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $15.99 | $15.62 | · | $14.88 | $14.36 | $14.09 | · | $13.75 | $13.23 | $13.00 | · | $12.07 | $12.03 | $12.04 | · | $11.19 | |
| Revenue / Share | $0.03 | $0.03 | · | $0.05 | $0.07 | $0.07 | · | $0.06 | $0.05 | $0.04 | · | $0.04 | $0.04 | $0.03 | · | $0.03 | |
| Cash Flow / Share | · | $0.52 | · | · | · | $0.38 | · | · | · | $-0.21 | · | · | · | $2.92 | · | · | |
| Cash / Share | $11.73 | $10.76 | · | $11.20 | $13.80 | $13.33 | · | $11.26 | $8.62 | $9.29 | · | $6.92 | $9.41 | $11.89 | · | $7.06 | |
| Dividend / Share | $0.14 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.10 | $0.12 | |
| EPS (TTM) | $1.94 | $1.83 | · | $1.57 | $1.48 | $1.42 | · | $1.41 | $1.38 | $1.41 | · | $1.72 | $1.94 | $2.09 | · | $2.21 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $2M | $3M | · | $4M | $4M | $4M | · | $3M | $3M | $2M | · | $2M | $2M | $2M | · | $2M | |
| Net Income TTM | $29M | $27M | · | $24M | $22M | $21M | · | $21M | $21M | $22M | · | $27M | $30M | $33M | · | $34M | |
| Market Cap | $224M | $198M | · | $207M | $193M | $179M | · | $185M | $142M | $150M | · | $140M | $129M | $136M | · | $169M | |
| P/E | 7.7 | 7.3 | · | 8.9 | 8.8 | 8.5 | · | 8.9 | 6.9 | 7.1 | · | 5.3 | 4.3 | 4.3 | · | 5.0 | |
| P/S | 103.3 | 74.3 | · | 55.9 | 49.9 | 49.1 | · | 64.8 | 56.0 | 64.5 | · | 70.9 | 69.5 | 79.8 | · | 101.0 | |
| P/B | 0.9 | 0.9 | · | 0.9 | 0.9 | 0.9 | · | 0.9 | 0.7 | 0.8 | · | 0.8 | 0.7 | 0.7 | · | 1.0 | |
| P / Tangible Book | 0.9 | 0.9 | · | 0.9 | 0.9 | 0.9 | · | 0.9 | 0.7 | 0.8 | · | 0.8 | 0.7 | 0.7 | · | 1.0 | |
| P / Cash Flow | · | 25.7 | · | · | · | 31.8 | · | · | · | -47.4 | · | · | · | 3.0 | · | · | |
| Dividend Yield | 3.3% | 3.6% | · | 3.4% | 3.7% | 4.0% | · | 3.9% | 5.1% | 4.8% | · | 5.2% | 5.7% | 5.1% | · | 3.8% | |
| Earnings Yield | 12.9% | 13.8% | · | 11.3% | 11.4% | 11.8% | · | 11.3% | 14.4% | 14.1% | · | 18.8% | 23.0% | 23.5% | · | 19.9% | |
| Payout Ratio | · | 24.7% | · | · | · | 32.0% | · | · | · | 34.5% | · | · | · | 24.3% | · | · | |
| Annual Payout | $7M | $7M | · | $7M | $7M | $7M | · | $7M | $7M | $7M | · | $7M | $7M | $7M | · | $6M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $3M | $3M | $2M | $2M | $2M |
| Net Income | $26M | $21M | $24M | $33M | $29M |
| Diluted EPS | $1.72 | $1.39 | $1.55 | $2.14 | $1.88 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $23M | $30M | $66M | $82M | $-29M |
Institutional owners (13F) 101 filers · $170.9M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
101
Value held
$170.9M
New positions
9
Exited positions
6
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 9 (-4 vs prior Q) | 6 (+1 vs prior Q) | 52 (+25 vs prior Q) | 23 (-15 vs prior Q) | +2.1M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| DIVERSIFY WEALTH MANAGEMENT, LLC | $27,439,488 | 1,847,777 | 16.06% | Shares |
| Diversify Advisory Services, LLC | $27,439,488 | 1,847,777 | 16.06% | Shares |
| BlackRock, Inc. | $14,995,096 | 1,000,340 | 8.78% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $10,172,877 | 678,645 | 5.95% | Shares |
| VANGUARD GROUP INC | $9,943,657 | 704,225 | 5.82% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $8,415,926 | 561,436 | 4.93% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $7,786,001 | 519,413 | 4.56% | Shares |
| ALLIANCEBERNSTEIN L.P. | $6,717,963 | 505,110 | 3.93% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $4,606,491 | 307,270 | 2.70% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $4,106,766 | 273,967 | 2.40% | Shares |
| Gator Capital Management, LLC | $4,060,461 | 270,878 | 2.38% | Shares |
| Truffle Hound Capital, LLC | $3,897,400 | 260,000 | 2.28% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,833,170 | 189,004 | 1.66% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $2,346,100 | 156,511 | 1.37% | Shares |
| STATE STREET CORP | $2,334,198 | 155,717 | 1.37% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,190,444 | 146,127 | 1.28% | Shares |
| AMERICAN CENTURY COMPANIES INC | $1,815,424 | 121,109 | 1.06% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $1,444,796 | 96,384 | 0.85% | Shares |
| Man Group plc | $1,439,280 | 96,016 | 0.84% | Shares |
| RAYMOND JAMES FINANCIAL INC | $1,439,100 | 96,004 | 0.84% | Shares |
| NORTHERN TRUST CORP | $1,435,832 | 95,786 | 0.84% | Shares |
| MARSHALL WACE, LLP | $1,297,131 | 86,533 | 0.76% | Shares |
| GOLDMAN SACHS GROUP INC | $1,295,706 | 86,438 | 0.76% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,235,206 | 82,402 | 0.72% | Shares |
| MORGAN STANLEY | $1,194,073 | 79,658 | 0.70% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,186,174 | 79,131 | 0.69% | Shares |
| Squarepoint Ops LLC | $1,163,824 | 77,640 | 0.68% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,106,262 | 73,800 | 0.65% | Shares |
| PRUDENTIAL FINANCIAL INC | $1,052,973 | 70,245 | 0.62% | Shares |
| Empowered Funds, LLC | $1,008,137 | 67,254 | 0.59% | Shares |
| Bank of New York Mellon Corp | $1,004,020 | 66,979 | 0.59% | Shares |
| Trexquant Investment LP | $956,587 | 63,815 | 0.56% | Shares |
| CITADEL ADVISORS LLC | $928,660 | 61,952 | 0.54% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $923,264 | 61,592 | 0.54% | Shares |
| Russell Investments Group, Ltd. | $714,478 | 47,666 | 0.42% | Shares |
| FIRST TRUST ADVISORS LP | $656,651 | 43,806 | 0.38% | Shares |
| TWO SIGMA INVESTMENTS, LP | $643,910 | 42,956 | 0.38% | Shares |
| FIRST MANHATTAN CO. LLC. | $596,662 | 39,804 | 0.35% | Shares |
| STRS OHIO | $560,626 | 37,400 | 0.33% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $512,433 | 34,185 | 0.30% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $498,013 | 33,223 | 0.29% | Shares |
| BAILARD, INC. | $436,920 | 29,128 | 0.26% | Shares |
| D.A. DAVIDSON & CO. | $332,253 | 22,165 | 0.19% | Shares |
| HSBC HOLDINGS PLC | $319,431 | 21,525 | 0.19% | Shares |
| Nuveen, LLC | $318,073 | 21,219 | 0.19% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $290,707 | 19,393 | 0.17% | Shares |
| NewEdge Advisors, LLC | $278,867 | 18,604 | 0.16% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $273,897 | 18,272 | 0.16% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $230,366 | 15,368 | 0.13% | Shares |
| AMERIPRISE FINANCIAL INC | $229,032 | 15,279 | 0.13% | Shares |
Company insiders 22 insiders · 10 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Sang Kyo Oh | Chief Executive Officer | July 1, 2026 M | 50,865 | 0 | 0 | $0 |
| Jaehyun Park | Chief Financial Officer | March 12, 2026 S | 0 | 0 | 1 | $-12,368 |
| Christine Yoon Oh | Chief Operating Officer | June 12, 2026 S | 120,788 | 0 | 3 | $-309,907 |
| Jae H. Park | Chief Risk Officer | June 8, 2026 M | 10,298 | 0 | 0 | $0 |
| Jimmy M Bang | Chief Lending Officer | March 31, 2026 M | 6,046 | 0 | 0 | $0 |
| Wesley Won | Chief Technology Officer | March 3, 2026 M | 30,611 | 0 | 0 | $0 |
| Yeong Gwon Pak | Chief Credit Officer | Dec. 30, 2025 M | 870 | 0 | 0 | $0 |
| Ihnsuk Jimmy Bang | Chief Banking Officer | Feb. 27, 2025 M | 37,818 | 0 | 0 | $0 |
| Ryan Shin | Chief SBA Officer | Feb. 24, 2025 M | 50,978 | 0 | 0 | $0 |
| Steve K. Park | Chief Credit Officer | July 23, 2020 M | 89,377 | 0 | 0 | $0 |
| Myung Shin Sohn | Director | May 28, 2026 A | 17,034 | 0 | 0 | $0 |
| Hyung J Kim | Director | May 28, 2026 A | 9,235 | 0 | 0 | $0 |
| Sunny Kwon | Director | May 28, 2026 A | 9,235 | 0 | 0 | $0 |
| Ki Won Yoon | Director | May 28, 2026 A | 52,818 | 0 | 0 | $0 |
| Min Kim | Director | May 28, 2026 A | 614,796 | 0 | 0 | $0 |
| Yong Sin Shin | Director | May 28, 2026 A | 499,670 | 0 | 0 | $0 |
| Brian Choi | Director | June 26, 2025 M | 1,308,078 | 0 | 0 | $0 |
| Soo Hun Jung | Director | June 26, 2025 M | 245,214 | 0 | 0 | $0 |
| Ernest Dow | Director | June 27, 2024 M | 251,114 | 0 | 0 | $0 |
| Myung Park | Director | June 22, 2023 M | 57,608 | 0 | 0 | $0 |
| Ock Hee Kim | Director | June 22, 2023 M | 610,884 | 0 | 0 | $0 |
| Jason Hwang | Director | June 24, 2021 A | 148,055 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 20 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.05% | 42,936 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 76,800 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 69,913 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 10,287 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 71,366 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 338,101 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,791 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 982 SH | Oct. 23, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.00% | 48,566 NS | July 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.00% | 12,028 SH | Sept. 11, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 24,152 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,041 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 923 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 202 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 127,503 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 378,240 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,256 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 946 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 12 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 134,607 SH | Sept. 11, 2026 | Daily |
OPBK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$17.75
+18.3%
2 25.0%
Strong Buy
4 50.0%
Buy
2 25.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-26Mean target $17.75 +18.3%
← Below all targets
Current price $15.01
Low$17.50
Mean$17.75
High$18.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed Aug 7, 2026