OP BANCORP (OPBK)

What OP BANCORP does

OP Bancorp is a bank holding company that operates Open Bank, a California-chartered commercial bank providing community banking services to small and medium-sized businesses, their owners, and retail customers with a focus on the Korean-American community. The bank offers commercial real estate, commercial and industrial, SBA, home mortgage, and consumer lending, alongside a range of retail deposit products through twelve full-service branches and five loan production offices. Net loans comprise the majority of the balance sheet, with total assets of approximately $2.7 billion as of March 31, 2026.

Fundamentals

• Price$14.67 as of 2026-07-09 close
• Market cap$219M as of 2026-07-10
• 1-year return+6.3% as of 2026-07-09 close
• P/E8.04 as of 2026-07-10
• Net margin+34.3% as of 2026-07-10
• ROE+12.2% as of 2026-07-10
• Debt / equity0.11 as of 2026-07-10
• Revenue growth (YoY)+44.4% as of 2026-07-10
• Revenue CAGR (3y)+24.1% SEC XBRL
• Beta0.61 as of 2026-07-10

Dividend: yield +3.9%; 5-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Concentration risk from geographic footprint primarily in California and secondary markets in Texas and Nevada, with significant exposure to real estate market downturns.","Interest rate risk and net interest margin compression from rising deposit costs and competitive deposit pricing in an elevated rate environment.","Credit risk from commercial and commercial real estate loan portfolio concentration in niche markets with limited diversification outside Korean-American communities."]

See OPBK's biggest risks from its latest 10-Q →

Competitors & peers

• Western Financial Bank
• Umpqua Holdings
• Westamerica Bancorporation
• Banner Corporation
• BBCN Bancorp

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