OP Bancorp (OPBK)


Market Price (11/6/2026): $14.72 | Market Cap: $219.8 MilSector: Financials | Industry: Regional Banks

OP Bancorp (OPBK)


Market Price (11/6/2026): $14.72
Market Cap: $219.8 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 17%, Dividend Yield is 3.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 12%, FCF Yield is 12%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -30%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%

Low stock price volatility
Vol 12M is 26%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Weak multi-year price returns
2Y Excs Rtn is -27%

Key risks
OPBK key risks include a significant credit concentration in [1] commercial real estate loans, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 17%, Dividend Yield is 3.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 12%, FCF Yield is 12%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -30%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%
3 Low stock price volatility
Vol 12M is 26%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5 Weak multi-year price returns
2Y Excs Rtn is -27%
6 Key risks
OPBK key risks include a significant credit concentration in [1] commercial real estate loans, Show more.

OPBK in ETFs

Weight = OPBK's share of each fund

VTI0.00%
IWM0.01%
IWN0.01%
AVUV0.01%
VTWO0.01%
DFAS0.00%
IWO0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

OP Bancorp (OPBK) stock has lost about 5% since 7/31/2026 because of the following key factors:

1. Solid Fiscal Q3 2026 Earnings Offset by Increased Credit Loss Provisions.

OP Bancorp reported diluted earnings per share (EPS) of $0.52 for fiscal Q3 2026 (ended September 30, 2026), surpassing analysts' consensus estimates of $0.50, with revenue reaching $27.50 million, exceeding expectations of $26.50 million. Despite this strong performance, net profit for the quarter declined 3% from fiscal Q2 2026, primarily due to an increased provision for credit losses of $1.6 million, notably driven by a doubling of problem commercial property loans.

2. General Macroeconomic Headwinds and Rising Interest Rates.

The broader economic landscape during the period was characterized by persistent inflation, leading the Federal Reserve to raise its Federal Funds rate in September 2026. This environment of rising borrowing costs, combined with a struggling housing market, created a cautious outlook for the banking sector, tempering investor enthusiasm despite healthy overall bank lending.

Show more
Updated on 11/1/2026

OP Bancorp (OPBK) stock has lost about 5% since 7/31/2026 because of the following key factors:

1. Solid Fiscal Q3 2026 Earnings Offset by Increased Credit Loss Provisions.

OP Bancorp reported diluted earnings per share (EPS) of $0.52 for fiscal Q3 2026 (ended September 30, 2026), surpassing analysts' consensus estimates of $0.50, with revenue reaching $27.50 million, exceeding expectations of $26.50 million. Despite this strong performance, net profit for the quarter declined 3% from fiscal Q2 2026, primarily due to an increased provision for credit losses of $1.6 million, notably driven by a doubling of problem commercial property loans.

2. General Macroeconomic Headwinds and Rising Interest Rates.

The broader economic landscape during the period was characterized by persistent inflation, leading the Federal Reserve to raise its Federal Funds rate in September 2026. This environment of rising borrowing costs, combined with a struggling housing market, created a cautious outlook for the banking sector, tempering investor enthusiasm despite healthy overall bank lending.

3. Consistent Dividend Payout and Attractive Valuation.

OP Bancorp sustained its quarterly cash dividend of $0.14 per share, indicating a stable financial position and a commitment to shareholder returns. Additionally, the company's stock traded at a trailing price-to-earnings (P/E) ratio of 7.54, which was below the market and finance sector averages, suggesting the stock was relatively undervalued and likely provided a floor for its price, preventing significant downward movement.

Show less
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →

Stock Movement Drivers

Fundamental Drivers

The -3.6% change in OPBK stock from 7/31/2026 to 11/5/2026 was primarily driven by a -9.0% change in the company's P/E Multiple.
(LTM values as of)731202611052026Change
Stock Price ($)15.3214.77-3.6%
Change Contribution By: 
Total Revenues ($ Mil)97992.1%
Net Income Margin (%)28.2%29.2%3.9%
P/E Multiple8.47.6-9.0%
Shares Outstanding (Mil)1515-0.1%
Cumulative Contribution-3.6%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
OPBK-3.6% 
Market (SPY)-1.9%38.5%
Sector (XLF)1.0%49.3%

Fundamental Drivers

The 5.9% change in OPBK stock from 4/30/2026 to 11/5/2026 was primarily driven by a 8.0% change in the company's Net Income Margin (%).
(LTM values as of)430202611052026Change
Stock Price ($)13.9514.775.9%
Change Contribution By: 
Total Revenues ($ Mil)95994.6%
Net Income Margin (%)27.1%29.2%8.0%
P/E Multiple8.17.6-6.1%
Shares Outstanding (Mil)1515-0.1%
Cumulative Contribution5.9%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
OPBK5.9% 
Market (SPY)2.3%16.8%
Sector (XLF)10.7%45.8%

Fundamental Drivers

The 15.7% change in OPBK stock from 10/31/2025 to 11/5/2026 was primarily driven by a 15.4% change in the company's Net Income Margin (%).
(LTM values as of)1031202511052026Change
Stock Price ($)12.7614.7715.7%
Change Contribution By: 
Total Revenues ($ Mil)889912.5%
Net Income Margin (%)25.3%29.2%15.4%
P/E Multiple8.57.6-10.6%
Shares Outstanding (Mil)1515-0.3%
Cumulative Contribution15.7%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
OPBK15.7% 
Market (SPY)8.4%24.0%
Sector (XLF)11.1%46.4%

Fundamental Drivers

The 98.6% change in OPBK stock from 10/31/2023 to 11/5/2026 was primarily driven by a 104.4% change in the company's P/E Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)7.4414.7798.6%
Change Contribution By: 
Total Revenues ($ Mil)92998.1%
Net Income Margin (%)33.1%29.2%-11.6%
P/E Multiple3.77.6104.4%
Shares Outstanding (Mil)15151.7%
Cumulative Contribution98.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
OPBK98.6% 
Market (SPY)81.3%37.1%
Sector (XLF)85.5%48.6%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
OPBK Return70%-9%3%51%-7%8%141%
Peers Return75%-7%4%19%10%29%185%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
OPBK Win Rate58%50%58%42%50%36% 
Peers Win Rate77%48%47%52%52%58% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
OPBK Max Drawdown-20%-28%-35%-20%-33%-16% 
Peers Max Drawdown-18%-26%-41%-20%-23%-14% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: HOPE, HAFC, PCB, CATY, EWBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventOPBKS&P 500
2025 US Tariff Shock
  % Loss-24.7%-18.8%
  % Gain to Breakeven32.7%23.1%
  Time to Breakeven82 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-10.9%-9.5%
  % Gain to Breakeven12.3%10.5%
  Time to Breakeven38 days24 days
2023 SVB Regional Banking Crisis
  % Loss-34.1%-6.7%
  % Gain to Breakeven51.8%7.1%
  Time to Breakeven224 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-19.2%-24.5%
  % Gain to Breakeven23.7%32.4%
  Time to Breakeven50 days427 days
2020 COVID-19 Crash
  % Loss-35.5%-33.7%
  % Gain to Breakeven55.1%50.9%
  Time to Breakeven349 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-29.8%-19.2%
  % Gain to Breakeven42.4%23.8%
  Time to Breakeven808 days105 days

Compare to HOPE, HAFC, PCB, CATY, EWBC

In The Past

OP Bancorp's stock fell -24.7% during the 2025 US Tariff Shock. Such a loss loss requires a 32.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventOPBKS&P 500
2025 US Tariff Shock
  % Loss-24.7%-18.8%
  % Gain to Breakeven32.7%23.1%
  Time to Breakeven82 days79 days
2023 SVB Regional Banking Crisis
  % Loss-34.1%-6.7%
  % Gain to Breakeven51.8%7.1%
  Time to Breakeven224 days31 days
2020 COVID-19 Crash
  % Loss-35.5%-33.7%
  % Gain to Breakeven55.1%50.9%
  Time to Breakeven349 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-29.8%-19.2%
  % Gain to Breakeven42.4%23.8%
  Time to Breakeven808 days105 days

Compare to HOPE, HAFC, PCB, CATY, EWBC

In The Past

OP Bancorp's stock fell -24.7% during the 2025 US Tariff Shock. Such a loss loss requires a 32.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About OP Bancorp (OPBK)

OP Bancorp (OPBK) operates as a bank holding company through its subsidiary, Open Bank, providing a comprehensive range of banking products and services. Headquartered in Los Angeles, California, the company primarily serves individuals and businesses within California, with an expanding footprint including a branch in Texas and loan production offices in Georgia, Colorado, and Washington. This regional bank focuses on fostering economic growth within its communities by offering accessible financial solutions.

The company's core offerings include a full spectrum of deposit accounts such as checking, savings, money market, and certificates of deposit. On the lending side, OP Bancorp specializes in commercial real estate, Small Business Administration (SBA), and commercial and industrial (C&I) loans for businesses, alongside single-family residential and consumer loans for individuals. Beyond traditional banking, it provides trade financing, sophisticated cash management services for commercial clients, and modern digital banking solutions, including mobile and online platforms, to meet the diverse needs of its customer base.

AI Analysis | Feedback

Here are 1-3 brief analogies for OP Bancorp (OPBK):

  • It's like a smaller, regional version of Wells Fargo, focused on serving communities in California and other select states.
  • Think of it as a localized Bank of America, providing a full suite of banking services to specific communities rather than nationwide.

AI Analysis | Feedback

  • Deposit Services: Offers various checking, savings, money market, time deposit, and certificate of deposit accounts for individuals and businesses.
  • Lending Services: Provides a range of loan products, including commercial real estate, small business administration (SBA), commercial and industrial, residential, consumer, and home mortgage loans.
  • Trade Finance & International Services: Delivers trade financing products, letters of credit, SWIFT, and export advice to support international business activities.
  • Payment & Digital Banking Services: Facilitates transactions through debit and credit cards, online and mobile banking, bill payment, person-to-person payments, and ACH services.
  • Business Cash Management Services: Offers tools such as remote deposit capture, positive pay, wire transfer initiation, and ACH origination to help businesses efficiently manage their cash flow.

AI Analysis | Feedback

null

AI Analysis | Feedback

null

AI Analysis | Feedback

Sang K. Oh President and Chief Executive Officer

Mr. Oh assumed the role of President and Chief Executive Officer of OP Bancorp in July 2025, following a tenure as Executive Vice President and Chief Executive Officer In Transit from August 2024 to June 2025. Previously, he served as Executive Vice President and Chief Credit Officer for the Company and the Bank starting in October 2020. Before joining Open Bank, Mr. Oh accumulated over 25 years of banking experience, primarily with Bank of Hope in Los Angeles, California, where his roles included Senior Vice President and Senior Credit Administrator from 2007 to 2020. He holds a Bachelor of Arts in Business Economics with a minor in Accounting from UCLA and is a graduate of Pacific Coast Banking School.

Jaehyun Park Executive Vice President and Chief Financial Officer

Mr. Park was appointed Executive Vice President and Chief Financial Officer of OP Bancorp and Open Bank on March 3, 2025. Prior to this appointment, he held the position of Senior Vice President and Controller for the Company and the Bank since joining in June 2014. Before his time at Open Bank, Mr. Park worked in various finance roles at Nara Bank (now Bank of Hope) beginning in April 2005. He earned a Bachelor of Science in Economics from Korea University and holds a Master of Science in Finance and a Juris Doctor from Suffolk University.

Christine Y. Oh Executive Vice President and Chief Operating Officer

Ms. Oh was appointed Executive Vice President and Chief Operating Officer of OP Bancorp and Open Bank in March 2025. She previously served as Executive Vice President and Chief Financial Officer of the Bank since July 2010 and of the Company since its formation in March 2016, bringing over 34 years of banking experience. Before joining Open Bank, Ms. Oh was the Interim Chief Financial Officer and Controller of Nara Bancorp and Nara Bank (now Bank of Hope and Hope Bancorp Inc) from January to July 2010.

Jimmy M. Bang Executive Vice President and Chief Lending Officer

Mr. Bang was appointed Executive Vice President and Chief Lending Officer of Open Bank in March 2025. He joined the Bank in August 2021 as Senior Vice President and Lending Manager. With over 25 years of banking experience, Mr. Bang previously held various leadership positions at Nara Bank (now Bank of Hope), Countrywide Home Loans, and California Bank & Trust. He holds a Bachelor of Science in Marketing and International Business from The Pennsylvania State University.

Wesley Won Executive Vice President and Chief Technology Officer

Mr. Won was appointed Executive Vice President and Chief Technology Officer in March 2025. He had served as Senior Vice President and Chief Information Officer since April 2022 and has been with Open Bank since September 2010, initially as MIS Manager. Mr. Won has over two decades of experience in financial technology and operations, having held IT leadership roles at Hanmi Bank (2001-2009) and Nara Bank (1996-2009). He also honorably served in the U.S. Marine Corps prior to his banking career.

AI Analysis | Feedback

The key risks to OP Bancorp's business are primarily linked to its operations as a regional bank, with significant exposure to the commercial real estate market, sensitivity to interest rate fluctuations, and inherent cybersecurity vulnerabilities due to third-party dependencies.

  1. Commercial Real Estate (CRE) Exposure and Credit Risk: As a regional bank, OP Bancorp faces substantial exposure to commercial real estate (CRE) loans, which have shown increased signs of stress across the industry. Regional banks, in general, hold a disproportionately high concentration of CRE loans compared to larger banks, with nearly one-third of all U.S. commercial mortgage dollars residing on their balance sheets. Delinquency rates for CRE loans have been rising, and the office sector, in particular, is experiencing significant challenges due to higher interest rates and structural shifts like remote work. A large volume of CRE loans is scheduled for refinancing in the coming years, potentially exacerbating difficulties for borrowers and leading to increased credit losses for lenders like OP Bancorp. The company provides commercial real estate loans, making it directly vulnerable to these market dynamics.

  2. Interest Rate Risk and Net Interest Margin (NIM) Compression: OP Bancorp, like other regional banks, is highly sensitive to changes in interest rates. Prolonged periods of high interest rates or an inverted yield curve can compress net interest margins, significantly impacting profitability. OP Bancorp has already experienced margin erosion, with its gross margin dropping from 96% in 2021 to 53% in 2024. Additionally, an elevated debt level for the bank in 2023-24 amplifies its sensitivity to interest rate fluctuations. While many banks have taken steps to mitigate interest rate risk following recent banking sector challenges, it remains an ongoing and critical financial risk.

  3. Cybersecurity Risk and Third-Party Vendor Dependence: OP Bancorp faces notable cybersecurity risks, particularly due to its reliance on third-party vendors for cybersecurity expertise. Due to its relatively smaller size, the bank's significant dependence on external providers for critical operational and security functions increases its vulnerability. Any operational incident or cybersecurity failure by these third-party vendors could lead to information breaches, system disruptions, or reputational damage for OP Bancorp. This highlights a crucial non-financial risk that could have severe consequences for the bank's operations and customer trust.

AI Analysis | Feedback

The clear emerging threat to OP Bancorp is the rise of **digital-only banks (neobanks) and specialized financial technology (fintech) platforms**. These entities leverage technology to offer banking products and services with lower overhead, often providing more competitive rates, reduced fees, and a more streamlined digital customer experience compared to traditional brick-and-mortar banks like OP Bancorp. This shift can attract customers away from conventional banks for deposits, lending, and other financial services, challenging OP Bancorp's branch-based model and its ability to compete on convenience and cost.

AI Analysis | Feedback

OP Bancorp (symbol: OPBK) operates as a bank holding company for Open Bank, providing a range of banking products and services primarily in California, with additional branches in Texas and loan production offices in Georgia, Colorado, and Washington.

The addressable markets for OP Bancorp's main products and services are sizable within their operational regions:

  • Commercial Banking in California: The commercial banking industry in California is projected to reach a market size of approximately $143.0 billion in 2026. This market encompasses a wide array of services including deposits from customers and the issuance of consumer, commercial, and industrial loans.
  • Commercial Real Estate (CRE) Loans (United States): The overall U.S. commercial real estate mortgage market for income-producing properties is roughly $4.5 trillion (as of March 2023). Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at $498 billion in 2024, representing new originations.
  • Small Business Administration (SBA) Loans (California): California represents a significant market for SBA loans. In the past six months leading up to May 2023, SBA 7(a) loans totaling $1.8 billion were approved across 2,825 loans in California.
  • Commercial and Industrial (C&I) Loans (North America): The broader commercial lending market in North America, which includes commercial and industrial loans, is projected to reach a valuation of USD 2,892.50 billion by 2025.
  • Residential Mortgage Loans (California): The California housing market, which drives residential mortgage lending, is expected to see approximately 274,400 single-family homes sold in 2026. The median price for a home in California is forecast to reach $905,000 in the same year.

AI Analysis | Feedback

OP Bancorp (OPBK) is expected to drive future revenue growth over the next two to three years through several key strategies:

  1. Continued Robust Loan Growth: The company anticipates ongoing strong growth in its loan portfolio, particularly within Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loans, including mortgage warehouse financing. This robust loan growth was a primary factor for a positive outlook expressed by analysts in late 2024 and has been a historical driver of revenue expansion.
  2. Net Interest Margin (NIM) Expansion: A rebound or expansion in the net interest margin is a significant expected driver. Analysts expressed optimism for the bank's future, anticipating the NIM to exceed 3% by the fourth quarter of 2024, positioning the company strongly for 2025. Future revenue normalization is also projected to leverage high revenue per share trends if NIM rebounds, potentially with interest rate adjustments.
  3. Growth in Non-Interest (Fee) Income: Increased fee income has contributed to recent earnings beats, indicating its importance as a growing component of overall revenue.
  4. Strategic Expansion of Branch and Loan Production Office Network: OP Bancorp has a history of driving revenue through strategic expansions. The company has already expanded its physical presence, operating twelve full branch offices and five loan production offices as of March 2026, including new locations in Las Vegas, Nevada, and Fairfax, Virginia, demonstrating a strategy to increase its market reach and customer base.
  5. Targeted Customer Acquisition within Niche Markets: The bank's consistent focus on serving the banking needs of small and medium-sized businesses, professionals, and residents, with a particular emphasis on the Korean and broader Asian-American communities, is a strategic focus for relationship banking. This specialization is expected to facilitate customer growth and deepen market penetration within these specific segments.

AI Analysis | Feedback

<h3>Share Repurchases</h3> <ul> <li>On August 28, 2025, OP Bancorp's Board of Directors approved a new stock repurchase program authorizing the repurchase of up to 700,000 shares of its common stock.</li> <li>This authorized repurchase represents approximately 5% of the company's issued and outstanding share capital.</li> <li>A tranche update regarding this equity buyback plan was announced on January 22, 2026.</li> </ul> <h3>Share Issuance</h3> <ul> <li>As of March 2026, OP Bancorp had 14,885,614 shares outstanding.</li> <li>In Q3 2025, the company had 15 million shares outstanding.</li> </ul> <h3>Capital Expenditures</h3> <ul> <li>OP Bancorp invested $554,000 in capital expenditures in Q3 2025, which was directed towards funding long-term assets and infrastructure.</li> </ul>

Peer Outperformance in Regional Banks

OPBK has trailed 52% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are FBP, BPOP and OFG. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that OPBK has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
18%
of 281 industry peers · 14.4% return
3Y
58%
of 273 industry peers · 96.3% return
5Y
48%
of 262 industry peers · 45.1% return
Regional Banks peers with revenue growth within 4pp of OPBK's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
OPBK OP Bancorp 3.3% 7.6x 14.4%96.3%45.1% —
FBP First BanCorp 2.9% 10.7x 33.9%101.1%117.2% +72pp
BPOP Popular 2.8% 10.3x 41.4%144.6%117.1% +72pp
OFG OFG Bancorp 4.5% 9.7x 30.7%73.5%113.0% +68pp
EWBC East West Bancorp 6.3% 12.3x 31.5%139.6%76.7% +32pp
FNB F N B 4.0% 10.4x 15.9%71.2%70.7% +26pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is OPBK's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1How Low Can OP Bancorp Stock Really Go?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

OPBKHOPEHAFCPCBCATYEWBCMedian
NameOP Banco.Hope Ban.Hanmi Fi.PCB Banc.Cathay G.East Wes. 
Mkt Price14.7212.9332.5130.1664.15128.9831.34
Mkt Cap0.21.71.00.44.317.71.3
Rev LTM995762861218713,068431
Op Inc LTM-------
FCF LTM27188210415341,863199
FCF 3Y Avg22197101363961,590149
CFO LTM28203213415411,975208
CFO 3Y Avg24209104394021,630157

Growth & Margins

OPBKHOPEHAFCPCBCATYEWBCMedian
NameOP Banco.Hope Ban.Hanmi Fi.PCB Banc.Cathay G.East Wes. 
Rev Chg LTM12.5%29.6%16.1%11.8%14.5%14.2%14.3%
Rev Chg 3Y Avg3.3%-0.4%2.4%5.5%2.0%6.3%2.9%
Rev Chg Q8.6%56.4%10.7%4.8%13.1%12.7%11.7%
QoQ Delta Rev Chg LTM2.1%10.2%2.5%1.2%3.0%3.0%2.7%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM28.2%35.2%74.5%34.3%62.2%64.4%48.7%
CFO/Rev 3Y Avg27.1%40.6%38.7%36.3%50.0%58.7%39.6%
FCF/Rev LTM27.3%32.7%73.4%33.9%61.4%60.7%47.3%
FCF/Rev 3Y Avg25.0%38.3%37.6%34.0%49.3%57.4%37.9%

Valuation

OPBKHOPEHAFCPCBCATYEWBCMedian
NameOP Banco.Hope Ban.Hanmi Fi.PCB Banc.Cathay G.East Wes. 
Mkt Cap0.21.71.00.44.317.71.3
P/S2.22.93.43.54.95.83.4
P/Op Inc-------
P/EBIT-------
P/E7.612.610.710.212.412.311.5
P/CFO7.98.14.510.37.99.08.0
Total Yield16.5%12.3%12.8%12.6%10.3%10.3%12.5%
Dividend Yield3.4%4.3%3.4%2.8%2.3%2.2%3.1%
FCF Yield 3Y Avg12.4%13.8%13.0%12.5%11.2%11.2%12.5%
D/E0.50.40.10.30.00.20.2
Net D/E-0.3-0.1-0.4-0.8-0.5-0.2-0.3

Returns

OPBKHOPEHAFCPCBCATYEWBCMedian
NameOP Banco.Hope Ban.Hanmi Fi.PCB Banc.Cathay G.East Wes. 
1M Rtn-2.5%-4.1%2.6%7.3%6.6%2.1%2.4%
3M Rtn-5.0%-7.4%1.0%8.1%1.3%-1.6%-0.3%
6M Rtn2.7%5.5%8.0%22.3%14.0%7.1%7.5%
12M Rtn14.0%27.8%26.3%43.7%41.7%31.4%29.6%
3Y Rtn95.6%52.9%128.6%115.0%91.0%139.5%105.3%
1M Excs Rtn-0.4%-1.6%5.1%10.6%10.0%5.0%5.0%
3M Excs Rtn-4.1%-6.7%2.8%9.1%2.7%-0.6%1.1%
6M Excs Rtn-2.0%0.7%3.2%17.5%9.2%2.3%2.7%
12M Excs Rtn2.3%16.5%13.8%31.4%30.3%18.8%17.7%
3Y Excs Rtn14.9%-11.8%75.2%37.6%23.9%76.7%30.7%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment9582839577
Total9582839577


Price Behavior

Price Behavior
Market Price$14.77 
Market Cap ($ Bil)0.2 
First Trading Date01/21/2011 
Distance from 52W High-6.9% 
   50 Days200 Days
DMA Price$15.00$14.25
DMA Trenddownindeterminate
Distance from DMA-1.5%3.7%
 3M1YR
Volatility19.3%26.0%
Downside Capture40.5842.95
Upside Capture33.5058.00
Correlation (S&P 500)24.2%22.2%
OPBK Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta0.600.530.390.150.420.77
Up Beta-1.63-0.770.20-0.660.050.67
Down Beta0.841.020.790.360.630.97
Up Capture70%60%24%30%43%52%
Bmk +ve Days12182862130427
Stock +ve Days12243264127377
Down Capture54%52%45%30%49%87%
Bmk -ve Days10253664121325
Stock -ve Days10192956112350

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with OPBK
OPBK16.3%26.0%0.54-
Sector ETF (XLF)11.1%15.2%0.4746.5%
Equity (SPY)9.5%13.6%0.4123.9%
Gold (GLD)3.6%28.7%0.11-3.3%
Commodities (DBC)37.7%21.2%1.40-27.7%
Real Estate (VNQ)12.0%14.2%0.5535.9%
Bitcoin (BTCUSD)-20.8%43.3%-0.427.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with OPBK
OPBK11.4%32.2%0.38-
Sector ETF (XLF)9.1%18.4%0.3646.0%
Equity (SPY)11.3%17.3%0.4836.0%
Gold (GLD)17.5%19.1%0.74-3.3%
Commodities (DBC)8.0%19.6%0.293.6%
Real Estate (VNQ)1.2%18.9%-0.0532.7%
Bitcoin (BTCUSD)5.9%51.5%0.2915.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with OPBK
OPBK4.9%36.2%0.25-
Sector ETF (XLF)13.3%22.1%0.5446.8%
Equity (SPY)14.9%18.0%0.7038.6%
Gold (GLD)12.0%16.5%0.59-1.2%
Commodities (DBC)7.6%18.1%0.3314.4%
Real Estate (VNQ)5.7%20.7%0.2335.2%
Bitcoin (BTCUSD)61.3%66.2%1.0115.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.1 Mil
Short Interest: % Change Since 9302026-10.4%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest3.6 days
Basic Shares Quantity14.9 Mil
Short % of Basic Shares0.8%

Earnings Returns History

Updated 11/1/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/22/2026-2.0%2.8% 
7/23/20265.9%6.6%4.4%
4/23/20261.7%1.6%1.2%
1/22/2026-5.9%-6.3%-8.8%
10/23/20251.9%0.0%-1.2%
7/24/20251.4%-3.3%9.0%
4/24/20251.4%6.9%4.4%
1/23/2025-10.0%-12.0%-15.5%
...
SUMMARY STATS   
# Positive161615
# Negative888
Median Positive2.3%5.8%5.8%
Median Negative-2.0%-3.7%-4.8%
Max Positive10.5%13.3%25.0%
Max Negative-10.0%-12.0%-15.5%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/22/2026-2.0%2.8% 
7/23/20265.9%6.6%4.4%
4/23/20261.7%1.6%1.2%
1/22/2026-5.9%-6.3%-8.8%
10/23/20251.9%0.0%-1.2%
7/24/20251.4%-3.3%9.0%
4/24/20251.4%6.9%4.4%
1/23/2025-10.0%-12.0%-15.5%
10/24/20242.3%7.1%25.0%
7/25/20243.7%-1.0%7.7%
4/25/2024-1.0%1.7%3.2%
1/25/20242.3%-2.8%-5.5%
10/27/2023-0.9%0.0%4.4%
7/27/20233.5%1.5%-1.0%
4/27/20231.2%-7.8%-7.4%
1/26/2023-0.4%0.0%-1.1%
10/28/2022-3.9%-2.6%0.1%
8/1/20220.4%5.9%10.6%
4/29/2022-1.9%-4.0%-4.0%
1/28/202210.5%8.6%2.7%
10/29/20215.0%13.3%23.7%
7/23/20215.7%11.4%5.8%
4/23/20214.7%5.6%8.4%
1/29/20210.5%9.4%23.7%
SUMMARY STATS   
# Positive161615
# Negative888
Median Positive2.3%5.8%5.8%
Median Negative-2.0%-3.7%-4.8%
Max Positive10.5%13.3%25.0%
Max Negative-10.0%-12.0%-15.5%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/15/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/11/202510-Q
03/31/202505/09/202510-Q
12/31/202403/28/202510-K
09/30/202411/14/202410-Q
06/30/202408/14/202410-Q
03/31/202405/15/202410-Q
12/31/202303/29/202410-K
09/30/202311/13/202310-Q
06/30/202308/09/202310-Q
03/31/202305/15/202310-Q
12/31/202203/16/202310-K
09/30/202211/14/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/15/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/11/202510-Q
03/31/202505/09/202510-Q
12/31/202403/28/202510-K
09/30/202411/14/202410-Q
06/30/202408/14/202410-Q
03/31/202405/15/202410-Q
12/31/202303/29/202410-K
09/30/202311/13/202310-Q
06/30/202308/09/202310-Q
03/31/202305/15/202310-Q
12/31/202203/16/202310-K
09/30/202211/14/202210-Q
06/30/202208/12/202210-Q
03/31/202205/13/202210-Q
12/31/202103/18/202210-K
09/30/202111/08/202110-Q
06/30/202108/06/202110-Q
03/31/202105/07/202110-Q
12/31/202003/15/202110-K
09/30/202011/09/202010-Q
06/30/202008/10/202010-Q
03/31/202005/11/202010-Q
12/31/201903/16/202010-K
09/30/201911/08/201910-Q

Insider Activity

Updated 7/1/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Oh, Christine YoonChief Operating OfficerDirectSell612202614.201,54921,9971,715,262Form
2Oh, Christine YoonChief Operating OfficerDirectSell612202614.088,251116,2041,722,945Form
3Oh, Christine YoonChief Operating OfficerDirectSell612202614.2912,018171,7281,865,998Form
4Park, JaehyunChief Financial OfficerDirectSell312202612.91958  Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Oh, Christine YoonChief Operating OfficerDirectSell612202614.201,54921,9971,715,262Form
2Oh, Christine YoonChief Operating OfficerDirectSell612202614.088,251116,2041,722,945Form
3Oh, Christine YoonChief Operating OfficerDirectSell612202614.2912,018171,7281,865,998Form
4Park, JaehyunChief Financial OfficerDirectSell312202612.91958  Form
Core Cache Last Updated: 11/5/2026