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OP Bancorp (OPBK) — RQD Stock Rating Cockpit

$15.44 +0.98% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.44

OP Bancorp (OPBK) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $230.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $15.44 (-0.01%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 729.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OPBK)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY OPBK SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$14.89-0.9% Next Q

Q2 (-2Q)

Grade C$14.75-0.2% Next Q

Q3 (-1Q)

Grade C$14.72+4.9% Next Q

Current

Grade C-$15.44+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OPBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, OPBK faces multiple-compression risk if 9.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($15.14) or 200D SMA ($14.51) invalidates the momentum regime and cuts Target Base ($15.65) toward Bear Floor ($12.21).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OPBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “OPBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

50.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE69% OF RANGE

L: $12$15.44H: $17

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on OPBK

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

11.2% ROIC with 42.0% gross margin and 10.13% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

24/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like OPBK

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (OPBK Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

OPBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.67%⚡ TESTING RESISTANCE

2026-10-30O $15.39H $15.44L $15.08C $15.44VOL 19.9K

RES: $15.64SUP: $14.36SMA50: $15.14SMA200: $14.51

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OPBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OPBK Butterfly Map → + Track OPBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-3.2%/yr Implied 5Y Growth

vs. -1.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OPBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OPBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for OPBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OPBK)

Financials Rank #472 of 1096 ⚔️ MRBK vs OPBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (OPBK vs. MRBK, CMTV, INBK, CFBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, OP Bancorp (OPBK) ranks #472 by composite RQD confidence (61/100, grade C-) and #861 by equity capitalization ($230.6M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. MRBK currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with OPBK at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OPBK ACTIVE OP Bancorp	C-	61/100	9.0x	—	11.2%	+0.98%	$230.6M	Benchmark Subject
MRBK Meridian Corporation	B	73/100	10.4x	—	10.9%	+0.32%	$226.9M	/mrbk-vs-opbk →
CMTV Community Bancorp.	C+	69/100	13.9x	—	14.9%	+1.71%	$236.3M	/cmtv-vs-opbk →
INBK First Internet Bancorp	D+	52/100	—	—	-9.8%	+2.29%	$238.2M	/inbk-vs-opbk →
CFBK CF Bankshares Inc.	C	63/100	12.7x	—	9.5%	+0.26%	$222.1M	/cfbk-vs-opbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001722010

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OP Bancorp (OPBK) reported GAAP revenue of $3.2M (-1.7% vs. FY2024 revenue of $3.3M , and +50.9% cumulative change since FY2023) , GAAP net income of $25.6M, operating cash flow of $26.2M, and free cash flow of $23.4M (-21.3% YoY). On the balance sheet, OPBK closed FY2025 with $2.65B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$3.2M	$25.6M	$26.2M	$23.4M	$2.65B	—
FY2024 (FY)	2024-12-31	$3.3M	$21.1M	$31.2M	$29.7M	$2.37B	—
FY2023 (FY)	2023-12-31	$2.1M	$23.9M	$67.8M	$67.8M	—	—

3. OPBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OPBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, OP Bancorp (NASDAQ: OPBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $15.44 (+0.98% 1D, market cap $230.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, OPBK ranks #472 in composite RQD confidence.

How does OPBK compare to MRBK and CMTV in the Financials sector?

Within the Financials sector (Major Banks), OPBK carries a Roarable C- (61/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 11.2%. By comparison, MRBK (Meridian Corporation) holds a B grade (73/100 RQD, P/E 10.4x, ROIC 10.9%, cap $226.9M) and CMTV (Community Bancorp.) posts a C+ grade (69/100 RQD, P/E 13.9x, ROIC 14.9%, cap $236.3M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OPBK?

Per OPBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001722010), OP Bancorp generated $3.2M in revenue (-1.7% YoY), $25.6M in net income, and $23.4M in free cash flow against $2.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OPBK trading relative to its 50-day, 200-day, and 52-week technical levels?

OPBK last traded at $15.44 (+0.98% on volume of 28,115 shares), positioning the stock +1.98% above its 50-day simple moving average ($15.14) and +6.41% above its 200-day simple moving average ($14.51). Across its 52-week range of $12.41 to $16.83, OPBK sits at the 68.6% percentile with a 14-day RSI of 50.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($14.70 to $16.18).

OPBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell OPBK stock right now?

OP Bancorp (OPBK) currently earns a Roarable Rating of C- (Hold — HOLD) with 61/100 RQD Confidence. Solid steady margins (11% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.

What is OPBK's 12-month price target and RQD AI Jury consensus?

OPBK's 12-month base price target is $15.65 (range $12.21 to $18.47), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: OPBK RQD Cockpit OPBK 12M Forecast OPBK Earnings & Move OPBK Dividends & DRIP OPBK Insiders & 13F OPBK Whale Options OPBK Profit Sankey OPBK News & Why