Financials OP Bancorp

Equities

OPBK

US67109R1095

Banks

Delayed Nasdaq 11:47:55 2024-05-01 am EDT 5-day change 1st Jan Change
9.235 USD +1.15% Intraday chart for OP Bancorp -1.65% -15.66%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 162.8 116.2 193.1 169.6 164.2 136.6 -
Enterprise Value (EV) 1 162.8 116.2 193.1 169.6 164.2 136.6 136.6
P/E ratio 10.1 x 9.06 x 6.79 x 5.21 x 7.06 x 7.11 x 6.27 x
Yield 1.93% 3.64% 2.9% 4.12% - 5.26% 5.26%
Capitalization / Revenue 2.92 x 2.07 x 2.51 x 1.79 x 1.98 x 1.72 x 1.57 x
EV / Revenue 2.92 x 2.07 x 2.51 x 1.79 x 1.98 x 1.72 x 1.57 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.16 x 0.81 x 1.17 x 0.96 x 0.85 x 0.66 x 0.61 x
Nbr of stocks (in thousands) 15,703 15,095 15,133 15,200 14,999 14,956 -
Reference price 2 10.37 7.700 12.76 11.16 10.95 9.130 9.130
Announcement Date 1/23/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 55.7 56.14 77.04 94.53 82.87 79.55 87.15
EBITDA - - - - - - -
EBIT 23.18 24.2 41.18 - - - -
Operating Margin 41.61% 43.12% 53.45% - - - -
Earnings before Tax (EBT) 1 22.08 18.28 40.66 46.72 33.49 26.95 30.35
Net income 1 16.76 13.18 28.86 33.31 23.92 19.1 21.5
Net margin 30.09% 23.48% 37.45% 35.24% 28.86% 24.01% 24.67%
EPS 2 1.030 0.8500 1.880 2.140 1.550 1.285 1.455
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.2000 0.2800 0.3700 0.4600 - 0.4800 0.4800
Announcement Date 1/23/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 20.13 24.38 21.51 24.44 25.16 23.42 22.19 20.86 19.91 19.91 19.56 19.5 19.95 20.5 20.55
EBITDA - - - - - - - - - - - - - - -
EBIT - 14.79 11.84 - - - - - - - - - - - -
Operating Margin - 60.67% 55.07% - - - - - - - - - - - -
Earnings before Tax (EBT) 1 11.5 12.9 11.5 11.94 12.16 11.12 10.62 8.557 7.02 7.297 7.263 6.2 6.5 6.9 6.55
Net income 1 8.25 9.149 8.152 8.275 8.65 8.028 7.534 6.091 5.121 5.172 5.226 4.45 4.6 4.9 4.6
Net margin 40.98% 37.52% 37.91% 33.86% 34.37% 34.28% 33.96% 29.2% 25.72% 25.98% 26.71% 22.82% 23.06% 23.9% 22.38%
EPS 2 0.5400 0.5900 0.5300 0.5400 0.5500 0.5100 0.4800 0.3900 0.3300 0.3400 0.3400 0.2950 0.3100 0.3300 0.3150
Dividend per Share 2 0.1000 0.1000 0.1000 0.1200 0.1200 0.1200 - 0.1200 0.1200 - 0.1200 0.1200 0.1200 0.1200 0.1200
Announcement Date 10/28/21 1/27/22 4/28/22 7/28/22 10/27/22 1/26/23 4/27/23 7/27/23 10/26/23 1/25/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 12.4% 9.35% 18.9% 19.6% 13.1% 9.8% 10.6%
ROA (Net income/ Total Assets) 1.51% 1.03% 1.84% 1.74% 1.13% 0.87% 0.92%
Assets 1 1,110 1,279 1,568 1,914 2,117 2,208 2,350
Book Value Per Share 2 8.950 9.550 10.90 11.60 12.80 13.70 14.90
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/23/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
9.13 USD
Average target price
12.25 USD
Spread / Average Target
+34.17%
Consensus