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Upturn AI SWOT - About
OPBK 
OP Bancorp (OPBK)
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Upturn Advisory Summary
07/30/2025: OPBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution 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
1 Year Target Price $16
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 46.07% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 192.47M USD | Price to earnings Ratio 8.74 | 1Y Target Price 16 |
Price to earnings Ratio 8.74 | 1Y Target Price 16 | ||
Volume (30-day avg) 2 | Beta 0.63 | 52 Weeks Range 10.33 - 18.24 | Updated Date 07/30/2025 |
52 Weeks Range 10.33 - 18.24 | Updated Date 07/30/2025 | ||
Dividends yield (FY) 3.65% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When After Market | Estimate 0.38 | Actual 0.42 |
Profitability
Profit Margin 26.52% | Operating Margin (TTM) 42.65% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 10.89% |
Valuation
Trailing PE 8.74 | Forward PE - | Enterprise Value 52451968 | Price to Sales(TTM) 2.29 |
Enterprise Value 52451968 | Price to Sales(TTM) 2.29 | ||
Enterprise Value to Revenue 2.93 | Enterprise Value to EBITDA - | Shares Outstanding 14885600 | Shares Floating 11577286 |
Shares Outstanding 14885600 | Shares Floating 11577286 | ||
Percent Insiders 21.91 | Percent Institutions 58.52 |
Upturn AI SWOT
OP Bancorp
Company Overview
History and Background
OP Bancorp was founded in 2000 as Open Bank, focusing on serving the Korean-American community in Southern California. It has grown through organic expansion and acquisitions, broadening its services and geographic footprint.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including loans, deposits, and cash management solutions to businesses.
- Retail Banking: Provides retail banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Small Business Administration (SBA) Lending: Specializes in SBA loans to support small business growth.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives responsible for overseeing different business divisions. The organizational structure is hierarchical, with regional and branch managers reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant part of OP Bancorp's lending portfolio. Competitors include other regional banks and national banks like Bank of America and Wells Fargo. Market share information specific to OP Bancorp's CRE loan market share is not readily available.
- SBA Loans: OP Bancorp is an active SBA lender, helping small businesses access financing. Competitors include other banks specializing in SBA lending and online lenders. Market share data for OP Bancorp's SBA lending is not readily available.
- Residential Mortgages: OP Bancorp offers residential mortgages. Competitors include national mortgage lenders and other regional banks. Market share data for OP Bancorp is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently facing a rising interest rate environment, increased competition, and evolving regulatory landscape. Digital transformation and cybersecurity are key concerns.
Positioning
OP Bancorp positions itself as a community-focused bank, emphasizing its strong relationships with its customers and its expertise in serving the Korean-American community. Its competitive advantages include its cultural understanding and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Southern California, particularly among the Korean-American community, is substantial. OP Bancorp aims to increase its penetration within this market and expand its reach to other underserved communities.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Experienced management team
- Solid SBA lending program
- Strong customer relationships
Weaknesses
- Geographic concentration in Southern California
- Smaller size compared to national banks
- Limited product diversification
- Reliance on traditional banking services
Opportunities
- Expansion into new geographic markets
- Increased digital banking adoption
- Partnerships with fintech companies
- Growing demand for SBA loans
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- CABC
- BOKF
- PacWest Bancorp (PACW)
Competitive Landscape
OP Bancorp's advantages include its cultural understanding and strong community ties. Disadvantages include its smaller size and geographic concentration compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be determined by analyzing historical financial data such as revenue, net income and assets.
Future Projections: Future growth projections are based on analyst estimates.
Recent Initiatives: Recent initiatives include expanding digital banking services and strategic lending programs.
Summary
OP Bancorp is a community-focused bank with a strong presence in the Korean-American market. It benefits from its local expertise but faces challenges due to its smaller size and geographic concentration. Expanding digital services and diversifying its customer base are crucial for future growth and to fend off any security risks or economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst reports
Disclaimers:
The information provided is for general informational purposes only and should not be considered as financial advice. Market share information is estimated based on publicly available data and may not be precise. Real-time financial data and in-depth analysis require access to financial databases.
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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