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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
OP Bancorp (OPBK) advanced +0.98% to $15.44, trading at 69% of its 52-week range ($12.41 – $16.83). Solid steady margins (11% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
OPBK Q3 2026 EPS $0.52 tops consensus, revenue $27.5M in line; NIM expands but higher provision and criticized CRE loans weigh.
OP Bancorp (OPBK) delivered earnings and revenue surprises of -1.89% and +1.48%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
LOS ANGELES (AP) — LOS ANGELES (AP) — OP Bancorp (OPBK) on Thursday reported net income of $7.The bank, based in Los Angeles, said it had earnings of 52 cents per share.
LOS ANGELES, October 22, 2026--OP Bancorp (the "Company") (NASDAQ: OPBK), the holding company of Open Bank (the "Bank"), announced today that its Board of Directors declared a quarterly cash dividend of $0.14 per share.
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OP Bancorp (OPBK) have what it takes? Let's find out.
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -1.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on OPBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for OPBK. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why OPBK Stock advanced +0.98% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
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