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Upturn AI SWOT - About
OPBK 
OP Bancorp (OPBK)
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Upturn Advisory Summary
06/10/2025: OPBK (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 59.51% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 186.65M USD | Price to earnings Ratio 8.85 | 1Y Target Price 15.75 |
Price to earnings Ratio 8.85 | 1Y Target Price 15.75 | ||
Volume (30-day avg) 54040 | Beta 0.63 | 52 Weeks Range 8.96 - 18.24 | Updated Date 06/10/2025 |
52 Weeks Range 8.96 - 18.24 | Updated Date 06/10/2025 | ||
Dividends yield (FY) 3.91% | Basic EPS (TTM) 1.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.31% | Operating Margin (TTM) 40.59% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 10.57% |
Valuation
Trailing PE 8.85 | Forward PE - | Enterprise Value 66971204 | Price to Sales(TTM) 2.29 |
Enterprise Value 66971204 | Price to Sales(TTM) 2.29 | ||
Enterprise Value to Revenue 3.14 | Enterprise Value to EBITDA - | Shares Outstanding 14848900 | Shares Floating 11539773 |
Shares Outstanding 14848900 | Shares Floating 11539773 | ||
Percent Insiders 21.8 | Percent Institutions 63.22 |
Analyst Ratings
Rating 4 | Target Price 15.75 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
OP Bancorp
Company Overview
History and Background
OP Bancorp was established to serve the Korean-American community. Founded to provide specialized banking services tailored to this demographic, it has grown steadily, expanding its product offerings and geographical reach.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including loans, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides retail banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- SBA Lending: Specializes in Small Business Administration (SBA) lending programs, supporting small businesses with access to capital.
Leadership and Structure
OP Bancorp is led by a board of directors and executive management team. The organizational structure includes departments for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans represent a significant portion of OP Bancorp's loan portfolio. Market share data specifically for Korean-American CRE lending is difficult to pinpoint precisely but OP Bancorp holds a strong position within this niche. Competitors include other regional banks and credit unions with similar focuses like Hanmi Financial Corporation (HAFC) and Bank of Hope (BOH).
- SBA Loans: OP Bancorp is an active SBA lender, providing loans to small businesses. Market share varies depending on geographic region and loan type. Competitors include other regional and national SBA lenders.
- Deposit Accounts: Checking, savings, and money market accounts form the base of OP Bancorp's deposit base. The market share is fragmented across various regional and national banks, credit unions, and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is highly competitive and influenced by interest rates, regulatory changes, and economic conditions. Community banks face challenges from larger national banks and fintech companies.
Positioning
OP Bancorp is positioned as a community bank specializing in serving the Korean-American community and small businesses. Its competitive advantage lies in its cultural understanding and personalized service.
Total Addressable Market (TAM)
The total addressable market for community banking and SBA lending is substantial. OP Bancorp is positioned to capture a portion of this market through its specialized services and community focus.
Upturn SWOT Analysis
Strengths
- Strong relationships with the Korean-American community
- Expertise in SBA lending
- Experienced management team
- Strong local presence
Weaknesses
- Limited geographic diversification
- Reliance on a niche market
- Smaller scale compared to national banks
- High cost of deposits.
Opportunities
- Expansion into new markets within the Korean-American community
- Increased adoption of digital banking solutions
- Growth in SBA lending programs
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Changes in interest rates and economic conditions
- Regulatory compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- HAFC
- BOH
- CASH
Competitive Landscape
OP Bancorp's advantages include strong relationships with the Korean-American community and expertise in SBA lending. Disadvantages include smaller scale and limited geographic diversification compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires access to financial data.
Future Projections: Future projections require access to analyst estimates.
Recent Initiatives: Recent initiatives require company announcements or reports.
Summary
OP Bancorp is a community bank focused on the Korean-American market, demonstrating strength in SBA lending and community relationships. Its smaller size compared to larger banks represents a challenge, and it must adapt to changing interest rates and increasing competition. Growth opportunities include expansion within its niche market and adoption of digital banking solutions. Overall, the company has a stable position within its target market but faces challenges from larger banks.
Peer Comparison
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
CASH
Meta Financial Group Inc
CASH
Meta Financial Group Inc
HAFC
Hanmi Financial Corporation
HAFC
Hanmi Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance are subject to change.
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 | President, CEO & Director Ms. Min Jung Kim | ||
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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