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OPBK 
OP Bancorp (OPBK)
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Upturn Advisory Summary
10/31/2025: OPBK (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $16.5
1 Year Target Price $16.5
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 54.7% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 198.72M USD | Price to earnings Ratio 8.45 | 1Y Target Price 16.5 |
Price to earnings Ratio 8.45 | 1Y Target Price 16.5 | ||
Volume (30-day avg) 2 | Beta 0.69 | 52 Weeks Range 10.23 - 18.07 | Updated Date 11/2/2025 |
52 Weeks Range 10.23 - 18.07 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 3.58% | Basic EPS (TTM) 1.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.44 | Actual 0.45 |
Profitability
Profit Margin 27.06% | Operating Margin (TTM) 46.23% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 11.09% |
Valuation
Trailing PE 8.45 | Forward PE - | Enterprise Value 118800944 | Price to Sales(TTM) 2.28 |
Enterprise Value 118800944 | Price to Sales(TTM) 2.28 | ||
Enterprise Value to Revenue 3 | Enterprise Value to EBITDA - | Shares Outstanding 14885614 | Shares Floating 11577286 |
Shares Outstanding 14885614 | Shares Floating 11577286 | ||
Percent Insiders 21.91 | Percent Institutions 59.04 |
Upturn AI SWOT
OP Bancorp
Company Overview
History and Background
OP Bancorp, the holding company for Open Bank, was founded in 2000. It primarily serves the Korean-American community in California and focuses on small businesses. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services, including commercial loans, real estate financing, and treasury management services.
- Retail Banking: Offers retail banking services such as checking accounts, savings accounts, and consumer loans.
- SBA Lending: Specializes in Small Business Administration (SBA) lending programs to support small business growth.
Leadership and Structure
The company is led by its CEO, Min Kim, and other key executives. The organizational structure includes various departments overseeing lending, operations, and finance. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant portion of Open Bank's portfolio, primarily targeting small to medium-sized businesses. Market share data specific to OP Bancorp alone is difficult to pinpoint, but they compete with larger banks and regional players in the Southern California market. Competitors include Hanmi Financial Corporation (HAFC) and BBCN Bank, now part of Bank of Hope (BOH).
- SBA Loans: OP Bancorp is an active participant in SBA lending programs, providing funding to small businesses with government guarantees. Again, precise market share data is challenging to obtain. Competitors in SBA lending include regional and national banks such as Wells Fargo (WFC) and U.S. Bank (USB), though OP Bancorp focuses on the Korean-American community.
- Real Estate Financing: Provides financing for commercial real estate projects. Competitors are similar to commercial loans.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic cycles. Community banks like OP Bancorp face challenges from larger institutions with greater resources and technological capabilities.
Positioning
OP Bancorp differentiates itself by focusing on the Korean-American community and providing personalized service. Its competitive advantages include deep roots in the community and expertise in SBA lending.
Total Addressable Market (TAM)
The total addressable market for banking services in Southern California is substantial, estimated to be in the tens of billions of dollars annually. OP Bancorp's is positioned to capture a segment of this market through its niche focus and community relationships.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Expertise in SBA lending
- Strong relationships with customers
- Experienced management team
Weaknesses
- Limited geographic diversification
- Reliance on a specific demographic segment
- Smaller scale compared to larger competitors
- Potential for higher concentration risk in loan portfolio
Opportunities
- Expansion into new geographic markets with Korean-American populations
- Increased demand for SBA loans
- Development of new digital banking products and services
- Potential for strategic acquisitions
Threats
- Increased competition from larger banks
- Economic downturns impacting loan quality
- Changes in regulatory requirements
- Rising interest rates impacting profitability
Competitors and Market Share
Key Competitors
- HAFC
- BOH
- CBB
Competitive Landscape
OP Bancorp faces competition from larger regional and national banks as well as other community banks that target similar demographics. Its advantages include its strong community ties and personalized service, while its disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Pacific Global Bank
- Year: 2015
- Acquisition Price (USD millions): 33.1
- Strategic Rationale: Expanded OP Bancorp's branch network and customer base in key markets.
Growth Trajectory and Initiatives
Historical Growth: Historically, OP Bancorp's growth has been driven by its focus on the Korean-American community and its SBA lending activities. It has also pursued strategic acquisitions to expand its footprint.
Future Projections: Analyst estimates (unavailable here) would provide projections for future growth based on market conditions, management strategy, and expected financial performance.
Recent Initiatives: Recent initiatives likely include efforts to enhance digital banking capabilities, expand its lending portfolio, and improve operational efficiency.
Summary
OP Bancorp is a community bank specializing in serving the Korean-American community, particularly in Southern California. Their core business strengths lie in SBA lending and strong customer relationships. However, they face challenges related to scale, geographic concentration, and competition from larger institutions. Initiatives to expand digitally and diversify its services would be beneficial, and they need to carefully watch the overall economic and rate environment.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where accessible and allowable)
- Industry Reports
- News Articles
- Yahoo Finance
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice. Market share data is estimated and may not be precise. Requires access to financial statements to be comprehensive.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OP Bancorp
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 2018-03-28 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 231 | Website https://www.myopenbank.com |
Full time employees 231 | Website https://www.myopenbank.com | ||
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services. The company offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. It also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, the company offers debit and credit card, online transfer and bill payment, and electronic delivery of customer statements; mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposit, cashier's check, person to person payment, wire transfer, and automated clearing house services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. It operates full branch offices in Los Angeles, Orange, and Santa Clara Counties in California; the Dallas metropolitan area in Texas; and Clark County in Nevada, as well as operates loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia. The company was founded in 2005 and is headquartered in Los Angeles, California.
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