📊 OPBK Key Takeaways
Is OP Bancorp (OPBK) a Good Investment?
OP Bancorp demonstrates a solid balance sheet with $2.7B in assets, positive free cash flow generation, and acceptable ROE of 11.2%, but a catastrophic unexplained 97.9% YoY revenue decline and mathematically impossible profit margins raise severe data integrity concerns that prevent confident fundamental assessment. Until revenue trends are clarified and financial reporting quality improves, the company merits a cautious stance despite reasonable leverage metrics.
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.
Why Buy OP Bancorp Stock? OPBK Key Strengths
- Strong balance sheet: $2.7B in assets with only $2.4B liabilities
- Zero long-term debt and conservative leverage (Debt/Equity 0.00x)
- Positive free cash flow generation of $23.4M with reasonable operating cash flow
- 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
- Unexplained 97.9% YoY revenue collapse from $106M to $3.2M signals either data error or material adverse event
- Unrealistic profit margin percentages (800%+ net margin, 1100%+ operating margin) indicate corrupted financial reporting
- Interest coverage of only 2.1x is tight and vulnerable to rate changes or asset quality deterioration
- 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
- Revenue trend stabilization and explanation of YoY decline
- Net interest margin and loan portfolio quality metrics
- Deposit growth and funding stability
- Net interest margin (NIM) and cost of funds
- Nonperforming assets and charge-offs
OP Bancorp (OPBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 729.1% 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 appears fundamentally strong 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $427.0K | $6.1M | $0.39 |
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 Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 48% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are OPBK's key strengths?
Claude: Strong balance sheet: $2.7B in assets with only $2.4B liabilities. Zero long-term debt and conservative leverage (Debt/Equity 0.00x). 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: Unexplained 97.9% YoY revenue collapse from $106M to $3.2M signals either data error or material adverse event. Unrealistic profit margin percentages (800%+ net margin, 1100%+ operating margin) indicate corrupted financial reporting. 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 $3.2M.
Does OPBK pay dividends?
OP Bancorp pays dividends, with $7.1M 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 $1.72.
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 rating reflects both perspectives for balanced insights.
Is OPBK a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, OP Bancorp has a BUY rating with 48% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is OPBK stock overvalued or undervalued?
Valuation metrics for OPBK: ROE of 11.2% (sector avg: 12%), net margin of 800.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy OPBK stock in 2026?
Our dual AI analysis gives OP Bancorp a combined BUY rating 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 $26.2M, with capital expenditures of $2.8M. FCF margin is 729.1%.
How does OPBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 800.1% (avg: 25%), ROE 11.2% (avg: 12%), current ratio N/A (avg: 1.2).