OP Bancorp Valuation
| OPBK Stock | USD 12.98 0.36 2.70% |
At this time, the company appears to be undervalued. OP Bancorp owns a latest Real Value of $15.98 per share. The recent price of the company is $12.98. Our model determines the value of OP Bancorp from reviewing the company fundamentals such as shares owned by insiders of 26.64 %, and Return On Asset of 0.0093 as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting OP Bancorp's valuation include:
Price Book 0.9687 | Enterprise Value | Price Sales 2.4264 | Trailing PE 9.3381 | Enterprise Value Revenue 3.6746 |
Undervalued
Today
Please note that OP Bancorp's price fluctuation is not too volatile at this time. Calculation of the real value of OP Bancorp is based on 3 months time horizon. Increasing OP Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
OP Bancorp's intrinsic value may or may not be the same as its current market price of 12.98, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 12.98 | Real 15.98 | Target 17.75 | Hype 12.83 | Naive 13.0 |
The intrinsic value of OP Bancorp's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence OP Bancorp's stock price.
Estimating the potential upside or downside of OP Bancorp helps investors to forecast how OPBK stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of OP Bancorp more accurately as focusing exclusively on OP Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use OP Bancorp's intrinsic value based on its ongoing forecasts of OP Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against OP Bancorp's closest peers.
OP Bancorp Cash |
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OPBK Valuation Trend
Knowing OP Bancorp's actual value is paramount for traders when making sound investment determinations. Using both OP Bancorp's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
OPBK Revenue by Product
OP Bancorp Total Value Analysis
OP Bancorp is now forecasted to have valuation of 160.28 M with market capitalization of 192.36 M, debt of 114.34 M, and cash on hands of 107.38 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the OP Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
160.28 M | 192.36 M | 114.34 M | 107.38 M |
OP Bancorp Investor Information
About 27.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.97. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. OP Bancorp last dividend was issued on the 6th of February 2025. Based on the analysis of OP Bancorp's profitability, liquidity, and operating efficiency, OP Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March.OP Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of OPBK suggests not a very effective usage of assets in February.OP Bancorp Ownership Allocation
The market capitalization of OP Bancorp is $192.36 Million. Over half of OP Bancorp's outstanding shares are owned by institutions. These institutions are typically referred to as corporate investors that secure positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company sooner or later.OP Bancorp Profitability Analysis
The company reported the previous year's revenue of 81.22 M. Net Income was 23.92 M with profit before overhead, payroll, taxes, and interest of 79.28 M.OP Bancorp Past Distributions to stockholders
About OP Bancorp Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of OP Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of OP Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing OP Bancorp's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of OP Bancorp's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of OP Bancorp. We calculate exposure to OP Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of OP Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 93.4 M | 98.1 M | |
| Pretax Profit Margin | 0.37 | 0.39 | |
| Operating Profit Margin | 0.39 | 0.22 | |
| Net Profit Margin | 0.27 | 0.28 |
A single share of OP Bancorp represents a small ownership stake in the entity. As a stockholder of OPBK, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
OP Bancorp Dividends Analysis For Valuation
The value of Dividends Paid is estimated to slide to about 4.9 M. The value of Dividend Yield is estimated to slide to 0.03. Retained Earnings is expected to rise to about 145.9 M this year, although the value of Earning Assets will most likely fall to about 68.2 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 8.4 M | 4.9 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 0.27 | 0.19 | |
| Dividend Paid And Capex Coverage Ratio | 6.46 | 5.77 |
There are various types of dividends OP Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of OPBK shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from OP Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When OPBK pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of OP Bancorp by the value of the dividends paid out.
OP Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as OP Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 15.2 M | |
| Quarterly Earnings Growth Y O Y | -0.023 |
OP Bancorp Current Valuation Indicators
OP Bancorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final OP Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as OP Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use OP Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes OP Bancorp's worth.When determining whether OP Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if OPBK Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Op Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Op Bancorp Stock: Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in OP Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. For more information on how to buy OPBK Stock please use our How to buy in OPBK Stock guide.You can also try the FinTech Suite module to use AI to screen and filter profitable investment opportunities.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of OP Bancorp. If investors know OPBK will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about OP Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.02) | Dividend Share 0.48 | Earnings Share 1.39 | Revenue Per Share | Quarterly Revenue Growth 0.027 |
The market value of OP Bancorp is measured differently than its book value, which is the value of OPBK that is recorded on the company's balance sheet. Investors also form their own opinion of OP Bancorp's value that differs from its market value or its book value, called intrinsic value, which is OP Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because OP Bancorp's market value can be influenced by many factors that don't directly affect OP Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between OP Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if OP Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, OP Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.