Stocktoria
OP Bancorp OPBK
OP Bancorp (OPBK) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.11% (safety: safe). FY2025 revenue was $3.2M at a 800.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OPBK | OP Bancorp | 4/9 | — | 8.9 | — |
| PCB | PCB BANCORP | 4/9 | — | 10.7 | — |
| BWFG | Bankwell Financial Group, Inc. | 4/9 | — | 13.5 | — |
| NWPP | NEW PEOPLES BANKSHARES INC | 5/9 | — | 9.9 | — |
| BOTJ | BANK OF THE JAMES FINANCIAL GROUP INC | 6/9 | — | 12.3 | — |
| COSO | CoastalSouth Bancshares, Inc. | 4/9 | — | 13.1 | — |
| FVCB | FVCBankcorp, Inc. | 6/9 | — | 14.3 | — |
All Finance, Insurance & Real Estate companies →
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; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia. The company was founded in 2005 and is headquartered in Los Angeles, California.
FAQ
Is OPBK financially healthy?
OP Bancorp's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does OPBK pay a dividend, and is it safe?
Yes. OP Bancorp pays a dividend yielding about 3.11% with a 27.8% payout ratio, rated “safe” for safety.
How profitable is OPBK?
In FY2025, OP Bancorp had a net margin of 800.1% and a return on equity of 11.2%.
Is OPBK overvalued or undervalued?
OP Bancorp trades at about 9.2× trailing earnings — near its 10-year norm (10-year range 5.3×–15.3×, median 8.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for OPBK?
The average Wall-Street price target for OP Bancorp is $16.50, about 4.8% above the recent price, from 2 analysts (consensus: buy).
Is OPBK a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on OP Bancorp: a Piotroski F-score of 4/9, a P/E of about 8.9×, a dividend yield of 3.11%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.