OP Bancorp
Research OP Bancorp (OPBK) on Bullrun: valuation model: 21.6% undervalued, market cap USD 224.20M, P/E 7.7, dividend yield 3.5%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerOPBK
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal21.6% undervalued
- Market capUSD 224.20M
- P/E7.7
- Dividend yield3.5%
- Financial periodQ2 2026
- RevenueUSD 25.72M
- Net incomeUSD 7.98M
- Free cash flow-USD 7.44M
Valuation Snapshot
Bullrun's latest valuation model marks OP Bancorp as 21.6% undervalued; latest market cap is USD 224.20M; P/E is 7.7; dividend yield is 3.5%.
Peer valuation comparison
Latest P/E is 7.74x versus a Financial Services sector median of 13.41x (42.3% below).
Latest dividend yield is 3.46% versus a Financial Services sector median of 3.66% (5.3% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 3.20M | USD 25.64M | USD 23.36M | n/a | 1.72 | USD 167.31M | USD 110.76M | USD 227.89M |
| FY2024 | USD 3.26M | USD 21.07M | USD 29.68M | n/a | 1.39 | USD 134.94M | USD 102.86M | USD 204.99M |
| FY2023 | USD 2.12M | USD 23.92M | USD 65.57M | n/a | 1.55 | USD 91.22M | USD 114.34M | USD 192.63M |
| FY2022 | USD 1.68M | USD 33.31M | USD 82.32M | n/a | 2.14 | USD 82.97M | USD 10.21M | USD 176.92M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 224.20M | 7.7 | 3.5% | 0.52 |
| 2025 | 2025-12-31 | USD 210.24M | 8.3 | 3.4% | 0.48 |
| 2024 | 2024-12-31 | USD 234.30M | 11.4 | 3.0% | 0.48 |
| 2023 | 2023-12-29 | USD 164.24M | 6.4 | 4.4% | 0.48 |
| 2022 | 2022-12-30 | USD 169.63M | 5.0 | 3.9% | 0.44 |
| 2021 | 2021-12-31 | USD 193.16M | 6.8 | 2.7% | 0.34 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.52 USD, yield 3.5%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.48 USD |
| FY2024 | 0.48 USD |
| FY2023 | 0.48 USD |
| FY2022 | 0.44 USD |
About OP Bancorp
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services. It offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit. It also provides commercial real estate, small business administration, home mortgage, and consumer loans. It operates full branch offices in Los Angeles and Orange Counties in California, as well as Santa Clara, California; Carrollton, Texas; Las Vegas, Nevada Pleasanton, California; Atlanta, Georgia;
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Frequently asked questions
Is OP Bancorp overvalued or undervalued?
Bullrun's valuation model currently marks OP Bancorp as 21.6% undervalued.
What is OP Bancorp's market cap?
OP Bancorp's market capitalization is USD 224.20M.
What is OP Bancorp's P/E ratio?
OP Bancorp's price-to-earnings (P/E) ratio is 7.7.
Does OP Bancorp pay a dividend?
OP Bancorp has a dividend yield of 3.5%.
What does OP Bancorp do?
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services. It offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit. It also provides commercial real estate, small business administration, home mortgage, and consumer loans. It operates full branch offices in Los Angeles and Orange Counties in California, as well as Santa Clara, California; Carrollton, Texas; Las Vegas, Nevada Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia.