OP Bancorp Common Stock (OPBK)

FairStock Score: 75/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business. OP Bancorp is the holding company for Open Bank, a small regional lender with 249 employees and branches in California, Texas, and Nevada. Community banks rarely have wide moats; their advantage is local relationships and underwriting discipline, not pricing power. The numbers show a decent but not fortress-like enterprise. At the 2026-10-13 close of $15.03, FairStock calculations put it at 7.75 times earnings and 0.94 times book, with a 3.72% dividend yield and a 0.30 PEG. Return on equity was 12.80%, respectable for a bank, and the Lynch category is STALWART, based on the given reason of 14.3% annual profit growth and 17.5% revenue growth over five years. Filed results show net income of $8.0M, or $0.53 per diluted share, in fiscal Q2 2026, the quarter ended 2026-06-30, up from $7.2M and $0.48 in fiscal Q1 2026, the quarter ended 2026-03-31. For fiscal year 2025, the period ended 2025-12-31, net income was $25.6M and diluted EPS was $1.72, versus $21.1M and $1.39 in fiscal year 2024, the period ended 2024-12-31, and $23.9M and $1.55 in fiscal year 2023, the period ended 2023-12-31. That is growth, but not perfect consistency. The balance sheet is the key unknown. A Piotroski F-Score of 4/9 suggests only middling financial strength, and the data lacks CET1, net interest margin, combined ratio, nonperforming loans, and reserves. A bank at 0.94 times book can be a bargain if credit is clean; it can be a value trap if it is not. I see a reasonably priced, modestly profitable stalwart, but not one I could underwrite without bank-specific credit and capital figures.

In plain English: OP Bancorp is a small bank holding company for Open Bank, taking deposits and making loans mainly in California, Texas, and Nevada. It earns a decent profit and trades below the value of its net assets, but it is small and the available numbers do not tell us how risky its loans are. At $15.03, the price looks cheap compared with its earnings and net assets, though that could change if loan losses rise.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer