OPBK:NASDAQOP Bancorp Analysis
Data as of 2026-07-05 - not real-time
$15.14
Latest Price
4/10Risk
Risk Level: Medium
Executive Summary
OP Bancorp (OPBK) is trading at $15.14, comfortably above its 20‑day ($14.53), 50‑day ($14.33) and 200‑day ($13.92) simple moving averages, indicating a sustained bullish momentum. The MACD histogram is positive (0.088) and the signal line is bullish, while volume is on an increasing trend, reinforcing short‑term upside potential toward the $15.73 resistance level.
Fundamentally, the stock trades at a forward PE of 7.6 versus an industry average of 17.5, and a price‑to‑book below 1.0, suggesting it is markedly undervalued. The DCF fair value of $32.66 implies a long‑run upside exceeding 100%, though analyst consensus targets a modest 9% upside to $16.5. A 3.7% dividend yield with a low 26% payout ratio, strong operating margins (45.8%) and a low beta of 0.64 further enhance the attractiveness for income‑focused investors.
Fundamentally, the stock trades at a forward PE of 7.6 versus an industry average of 17.5, and a price‑to‑book below 1.0, suggesting it is markedly undervalued. The DCF fair value of $32.66 implies a long‑run upside exceeding 100%, though analyst consensus targets a modest 9% upside to $16.5. A 3.7% dividend yield with a low 26% payout ratio, strong operating margins (45.8%) and a low beta of 0.64 further enhance the attractiveness for income‑focused investors.
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 7/10
Key Factors
- Bullish technical setup (price above SMAs, positive MACD)
- Increasing volume supporting momentum
- Support level at $13.69 provides downside cushion
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Significant valuation discount (PE 8.27 vs industry 17.55)
- Strong dividend yield with sustainable payout
- Robust operating margins and low leverage
Long Term
> 3 yearsNeutral
Model confidence: 7/10
Key Factors
- DCF indicates substantial upside but banking sector regulatory uncertainty
- Stable cash generation and modest revenue growth (12.3%)
- Geographic diversification across multiple states reduces concentration risk
Key Metrics & Analysis
Financial Health
Revenue Growth12.30%
Profit Margin29.13%
P/E Ratio8.3
ROE12.34%
ROA1.05%
P/B Ratio1.0
Op. Cash Flow$28.3M
Industry P/E17.5
Technical Analysis
TrendBullish
RSI60.9
Support$13.69
Resistance$15.73
MA 20$14.53
MA 50$14.33
MA 200$13.92
MACDBullish
VolumeIncreasing
Fear & Greed Index93.2
Valuation
Fair Value$32.66
Target Price$16.50
Upside/Downside8.98%
GradeUndervalued
TypeValue
Dividend Yield3.70%
Risk Assessment
Beta0.64
Volatility24.53%
Sector RiskMedium
Reg. RiskMedium
Geo RiskMedium
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.