Stock Ratings / Financials / OPBK / dividends

MRBK (73) CMTV (69) INBK (52) CFBK (63) ⌘ Pro Terminal →

OP Bancorp (OPBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OPBK Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OPBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OPBK compare to MRBK and CMTV in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OPBK?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 →

CASH DIVIDEND + BUYBACK YIELD

4.89% Total Yield

3.09% Cash ($0.48/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

19.8% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $22,402

Est. Year-10 Shareholder Yield: $1,095/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.8K

Yr 2

$12.7K

Yr 3

$13.8K

Yr 4

$15.0K

Yr 5

$16.2K

Yr 6

$17.6K

Yr 7

$19.1K

Yr 8

$20.7K

Yr 9

$22.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in OPBK & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on OPBK and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal 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?

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

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

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

Does OPBK pay a dividend and is it safe?

OP Bancorp (OPBK) offers a 3.09% cash dividend yield ($0.48 annualized) and 4.89% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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