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OP Bancorp OPBK

Nasdaq · stock · State Commercial Banks · website · IPO 2005-07-22 · LEI

OP Bancorp statistics & valuation

Market cap$229.2M
P / E8.9×
P / S71.5×
P / B1.0×
P / FCF9.8×
Dividend yield3.11%
Net margin800.1%
Return on equity11.2%
FCF margin729.1%
Graham number +54.5%$24.32

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.32); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
557.70% 751.30% 831.60% 917.30% 1846.40% 1988.70% 1126.60% 646.10% 800.10% 201720182019202020212022202320242025
Gross margin (%)
201720182019202020212022202320242025
Operating margin (%)
201720182019202020212022202320242025
Return on equity (%)
10.10% 11.00% 11.90% 9.20% 17.50% 18.80% 12.40% 10.30% 11.20% 201720182019202020212022202320242025
Shares outstanding
13.5M 15.9M 15.9M 15.2M 15.2M 15.2M 15.2M 14.9M 14.9M 201720182019202020212022202320242025
Net debt ($)
201720182019202020212022202320242025
Share buybacks ($)
201720182019202020212022202320242025
Return on assets (%)
1.00% 1.40% 1.40% 1.00% 1.70% 1.60% 1.10% 0.90% 1.00% 201720182019202020212022202320242025
Free cash flow margin (%)
-155.10% 1550.30% 855.60% -382.30% -1882.40% 4914.70% 3088.70% 910.20% 729.10% 201720182019202020212022202320242025
Debt / equity (×)
201720182019202020212022202320242025
EPS ($)
$0.66 $0.89 $1.03 $0.85 $1.88 $2.14 $1.55 $1.39 $1.72 201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

OP Bancorp trades at about 9.2× earnings — near its 10-year norm (10-year range 5.3×–15.3×, median 8.9×).

5.3× 15.3×

Shaded band = 10-year range (5.3×–15.3×); dot = today's 9.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Net margin800.1%646.1%1126.6%1988.7%1846.4%917.3%831.6%751.3%557.7%
FCF margin729.1%910.2%3088.7%4914.7%-1882.4%-382.3%855.6%1550.3%-155.1%
Return on assets1.0%0.9%1.1%1.6%1.7%1.0%1.4%1.4%1.0%
Return on equity11.2%10.3%12.4%18.8%17.5%9.2%11.9%11.0%10.1%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.