OP Bancorp (OPBK) is a Financials stock trading at $15.33 (as of 2026-08-21), with a market capitalization of $228.92M and a trailing P/E of 7.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company 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, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) 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. As of January 27, 2022, the company operated nine full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas. It also had four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.
OP Bancorp is the bank holding company for Open Bank, which provides deposit accounts, a range of loans (including commercial real estate, small business, and mortgages), and transaction services (debit and credit cards, online transfer and bill payment, and letters of credit, plus SWIFT and export advice), earning income from these core banking products and services.
Open Bank’s profit engine is credit performance, since the company’s operating health is reflected in loan loss metrics (allowance for credit losses, nonperforming loans, and net charge-offs), which can offset income from lending and banking services.
Business quality (Mixed): The dataset provides useful credit-quality operating metrics, but it does not include a reportable segment revenue breakdown, limiting visibility into profit drivers by product line.
Valuation: At 8× earnings, OPBK trades 33% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $15.33 |
| Market Cap | $228.92M |
| P/E Ratio | 7.9 |
| EV / EBITDA | 1.1 |
| Price / Book | 0.96 |
| Price / Sales | 105.74 |
| FCF Yield | 11.8% |
| DCF Value (model) | $34.58 |
| DCF Upside vs Price | 125.6% |
| Revenue (TTM) | $3.20M |
| Net Margin | 800.1% |
| Revenue Growth (YoY) | -49.4% |
| EPS Growth (YoY) | 28.6% |
| FCF Growth (YoY) | -3.5% |
| Stock P/E | 7.9 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | -47.6% |
| vs Industry | -39.0% |
| Top Institutional Holder | Diversify Advisory Services, LLC ($27.17M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Sang Kyo Oh |
| Employees | 231 |
| Country | US |
| IPO Date | 2005-08-08 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.