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Upturn AI SWOT - About
OPBK 
OP Bancorp (OPBK)
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Upturn Advisory Summary
09/17/2025: OPBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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
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 62.35% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 211.52M USD | Price to earnings Ratio 9.6 | 1Y Target Price 16 |
Price to earnings Ratio 9.6 | 1Y Target Price 16 | ||
Volume (30-day avg) 2 | Beta 0.72 | 52 Weeks Range 10.23 - 18.07 | Updated Date 09/17/2025 |
52 Weeks Range 10.23 - 18.07 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.38% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.52% | Operating Margin (TTM) 42.65% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 10.89% |
Valuation
Trailing PE 9.6 | Forward PE - | Enterprise Value 69213576 | Price to Sales(TTM) 2.52 |
Enterprise Value 69213576 | Price to Sales(TTM) 2.52 | ||
Enterprise Value to Revenue 3.11 | Enterprise Value to EBITDA - | Shares Outstanding 14885600 | Shares Floating 11577286 |
Shares Outstanding 14885600 | Shares Floating 11577286 | ||
Percent Insiders 21.91 | Percent Institutions 62.61 |
Upturn AI SWOT
OP Bancorp
Company Overview
History and Background
OP Bancorp was founded in 2000 and is headquartered in Los Angeles, California. It primarily serves the Korean-American community and businesses. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including commercial real estate loans, business loans, and lines of credit.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals and families.
- SBA Lending: Participates in the Small Business Administration (SBA) lending program to support small businesses.
- International Banking: Facilitates international trade and banking services for businesses with cross-border activities.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes departments for lending, retail banking, operations, and compliance. Board of directors provides governance and oversight.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, targeting small to medium-sized businesses. The market is competitive, with players such as PacWest Bancorp (PACW) and Bank of Hope (HOPE) as competitors. Market share is estimated to be around 3% of the Korean American banking sector.
- SBA Loans: Government-guaranteed loans to small businesses. Competitors include Live Oak Bancshares (LOB) and Ready Capital Corporation (RC). Market share within its target community is approximately 4%.
- Business Loans: Loans for working capital, equipment, and other business purposes, competitors include other regional and national banks. Market share within its target community is approximately 5%.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and faces increasing regulatory scrutiny. Interest rate fluctuations and economic conditions significantly impact bank profitability. Community banks play a vital role in local economies.
Positioning
OP Bancorp focuses on serving the Korean-American community and businesses, providing specialized financial services and cultural understanding. This niche focus gives it a competitive advantage in its target market.
Total Addressable Market (TAM)
The total addressable market for Korean-American banking services is estimated to be in the billions of dollars. OP Bancorp is positioned to capture a significant portion of this market through its specialized offerings and community focus.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Specialized financial services tailored to its target market
- Experienced management team
- Solid asset quality
Weaknesses
- Geographic concentration
- Limited product diversification
- Reliance on a specific demographic group
- Smaller scale compared to larger banks
Opportunities
- Expansion into new geographic areas with Korean-American populations
- Development of new digital banking products and services
- Strategic acquisitions of other community banks
- Increased focus on cross-selling opportunities
Threats
- Increased competition from larger banks
- Economic downturns impacting its target market
- Changes in regulatory requirements
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- Bank of Hope (HOPE)
- PacWest Bancorp (PACW)
- Hanmi Financial Corporation (HAFC)
Competitive Landscape
OP Bancorp's advantages include its strong presence in the Korean-American community and specialized financial services. Disadvantages include its smaller scale and geographic concentration compared to larger competitors like Bank of Hope.
Growth Trajectory and Initiatives
Historical Growth: Discuss OP Bancorp's growth trends over the past years. Requires researching past financial statements.
Future Projections: Provide projections for OP Bancorp's future growth based on analyst estimates. Analyst estimates are needed for this.
Recent Initiatives: Highlight recent strategic initiatives undertaken by OP Bancorp. Review recent press releases and company reports.
Summary
OP Bancorp is a community bank with a strong niche focus on the Korean-American community. Its strengths lie in its specialized services and strong relationships with its target market. It needs to diversify geographically and develop new digital banking products to remain competitive. Economic conditions and increased competition pose risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share estimates are approximate and may vary. Consult with a qualified financial advisor before making any investment decisions.
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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