Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
OP Bancorp (OPBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$14.77-4.09%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.06 → 2.06 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for OPBK yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Quarterly dividend at least $0.14 per share | It raises dividends from $0.12 to $0.14 per share. | Intact | dividend falls below $0.14 per share in 2026-Q1 | Dividend per share: $0.14 per share FY2026-Q2; GAAP. Published target: >=0.14 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 20260.14 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a smaller-cap bank with a growth-and-execution thesis, rather than a clear turnaround story. The long-term thesis is currently intact, though recent earnings misses and fragile earnings quality make execution less dependable.
OPBK is described as cheap versus peers, and the expectations gap is close to neutral. The evidence says the valuation is justified, with low fragility from what is priced in, rather than showing that the market expects a major improvement.
Near term, the latest earnings miss and consecutive-miss pattern raise execution concerns, although the estimated miss risk is described as low. Across the supplied quarters, revenue and loans increased and the efficiency ratio improved, while expenses also rose. Criticized loans climbed, so credit quality needs attention despite a low reported charge-off ratio.
The multi-year view hinges on sustaining growth and efficiency gains without further deterioration in credit quality. A guidance cut or rate cuts would be unfavorable near term, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum.
For the next 1 to 3 years, OPBK’s thesis has some support from growth and improving efficiency, but fragile earnings and rising criticized loans remain important risks. The evidence supports an intact but execution-sensitive long-term thesis. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in OP Bancorp's published investment case. The stated target is >=1.88 USD per share. |
| Intact |
| EPS falls below $1.88 in FY26 |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Net income grows to at least $7.23 million | OP Bancorp steadily grows profits and operating income. | Intact | net income falls below $7.23 million in 2026-Q1 | Net income: $7.763M FY2026-Q3; GAAP. Published target: >=7.23 million USD. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 22, 20267,763,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income grows to at least $9.91 million | OP Bancorp steadily grows profits and operating income. | Intact | operating income falls below $9.91 million in 2026-Q1 | Operating income: $10.393M FY2026-Q3; GAAP. Published target: >=9.91 million USD. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 22, 202610,393,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$1.98 → $2.06 · observed estimates
$0.11B → $0.11B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $1.98 | $112,100,000 | 2 / 1 |
| 2026-07-25 | $1.98 | $111,950,000 | 1 / 1 |
| 2026-07-26 | $1.98 | $112,100,000 | 2 / 1 |
| 2026-07-27 | $1.98 | $111,950,000 | 1 / 1 |
| 2026-07-28 | $1.98 | $112,100,000 | 2 / 1 |
| 2026-07-29 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-07-30 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-07-31 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-01 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-02 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-08-03 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-08-04 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-08-05 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-06 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-07 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-08 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-08-09 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-08-10 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-08-12 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-13 | $2.06 | $112,750,000 | 2 / 2 |
| 2026-08-14 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-15 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-16 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-17 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-18 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-19 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-20 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-21 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-22 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-23 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-24 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-25 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-26 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-27 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-28 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-29 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-30 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-08-31 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-01 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-02 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-03 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-04 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-05 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-06 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-07 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-08 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-09 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-10 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-11 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-12 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-13 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-14 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-15 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-16 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-17 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-18 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-19 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-20 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-21 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-22 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-23 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-24 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-25 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-26 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-27 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-28 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-29 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-09-30 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-10-01 | $2.06 | $112,750,000 | 1 / 2 |
| 2026-10-02 | $2.06 | $112,850,000 | 1 / 2 |
| 2026-10-03 | $2.06 | $112,850,000 | 1 / 2 |
| 2026-10-04 | $2.06 | $112,850,000 | 1 / 2 |
| 2026-10-05 | $2.06 | $112,850,000 | 1 / 2 |
| 2026-10-06 | $2.06 | $112,850,000 | 1 / 2 |
| 2026-10-07 | $2.06 | $112,850,000 | 1 / 2 |
| 2026-10-08 | $2.06 | $112,850,000 | 1 / 2 |
| 2026-10-09 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-10 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-11 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-12 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-13 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-14 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-15 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-16 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-17 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-18 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-19 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-20 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-21 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-22 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-23 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-24 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-25 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-26 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-27 | $2.04 | $112,850,000 | 1 / 1 |
| 2026-10-28 | $2.06 | $111,551,200 | 1 / 1 |
| 2026-10-29 | $2.06 | $111,551,200 | 1 / 1 |
| 2026-10-30 | $2.06 | $111,551,200 | 1 / 1 |
| 2026-10-31 | $2.06 | $111,551,200 | 1 / 1 |
| 2026-11-01 | $2.06 | $111,551,200 | 1 / 1 |
| 2026-11-02 | $2.06 | $111,551,200 | 1 / 1 |
| 2026-11-03 | $2.06 | $111,551,200 | 1 / 1 |
| 2026-11-04 | $2.06 | $111,551,200 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.