---
title: "OP Bancorp (OPBK.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/OPBK.US.md"
symbol: "OPBK.US"
name: "OP Bancorp"
industry: "區域性銀行"
---

# OP Bancorp (OPBK.US)

| Item | Detail |
|------|--------|
| Industry | 區域性銀行 |
| Location | 美股市場 |
| Website | [www.myopenbank.com](https://www.myopenbank.com) |

## Company Profile

OP Bancorp 作為 Open Bank 的銀行控股公司，提供銀行產品和服務。該公司提供活期存款、支票賬戶、儲蓄賬戶、貨幣市場賬戶和定期存款賬戶，以及存款證。它還提供商業房地產、小企業管理、商業和工業業務、單戶住宅、定期、消費和住房抵押貸款；貿易融資產品；信用證，以及 SWIFT 和出口建議。此外，該公司還提供借記卡和信用卡、在線轉賬和賬單支付、客戶對賬單的電子發送；為 iPhone 和 Android 手機提供的移動銀行解決方案，包括遠程支票存款和移動賬單支付；直接存款、銀行本票、個人對個人支付、電匯和自動清算所服務；以及現金管理服務，包括餘額報告、賬戶間轉賬、電匯發起、ACH 發起和...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-18T04:30:14.000Z

**Overall: B (0.40)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 68 / 326 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 14.91% |  |
| Net Profit YoY | 23.97% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.92 |  |
| Dividend Ratio | 3.39% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 210.69M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 91.10M |  |


**Multi Score**: B

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 11.85% | B |
| Profit Margin | 28.16% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 14.91% | B |
| Net Profit YoY | 23.97% | B |
| Total Assets YoY | 12.01% | B |
| Net Assets YoY | 11.17% | B |

#### Cash Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 355.10% | C |
| OCF YoY | 14.91% | B |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - OP Bancorp",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "11.85%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "28.16%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "14.91%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "23.97%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "12.01%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "11.17%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "B",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "355.10%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "14.91%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Truist Financial (US.TFC) | C | B | E | A | B | B |
| 02 | Pinnacle金融 (US.PNFP) | B | B | E | A | B | B |
| 03 | SouthState Bank (US.SSB) | B | A | E | A | B | B |
| 04 | UMB金融 (US.UMBF) | B | A | E | A | B | B |
| 05 | Old National銀行 (US.ONB) | C | A | E | A | B | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 8.21 | 7/312 | 9.43 | 8.94 | 8.41 |
| PB | 0.92 | 51/312 | 0.97 | 0.92 | 0.88 |
| PS (TTM) | 2.31 | 25/312 | 2.49 | 2.35 | 2.25 |
| Dividend Yield | 3.39% | 58/312 | 3.85% | 3.57% | 3.38% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-01-25T05:00:00.000Z

Total Analysts: **2**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 1 | 50% |
| Overweight | 0 | 0% |
| Hold | 1 | 50% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 13.87 |
| Highest Target | 17.00 |
| Lowest Target | 16.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/OPBK.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/OPBK.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/OPBK.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.