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OPBK

OP Bancorp

Financial Services · $226M market cap

Verdict

Share price

$15.48

close of Oct 3, 2026

Fair value

$44.16

Sticker Price

Payback Price

$17.67

buy price

On Sale

OPBK is On Sale: at $15.48 it trades 12% below its buy price (Payback Price) of $17.67 and 65% below its fair value of $44.16. Business quality is strong: 4 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

4 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth17.3% a year✓
Equity per share growth10.2% a year✓
Sales growth20.4% a year✓
Free cash flow growth12.1% a year✓
Return on invested capital4.9%✗

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Insider activity

Since Jun 24, 2026: no open-market purchases and 2 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

OH Sang Kyo

Chief Executive Officer · 2026-07-01

Option exercise

5,865 shares

OH Sang Kyo

Chief Executive Officer · 2026-06-24

Option exercise

9,000 shares

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works