OP Bancorp (OPBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$14.77-4.09%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · OPBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -20.2% |
| Our one-year growth estimate | diamond | -24.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 4.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
OPBK — earnings miss
Dated 2026-10-22
The information in this Current Report set forth under this Item 2.02, including Exhibit 99.1 hereto, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific referenc…
Why it matters: The margin rose to 3.27% in Q3, but loan yields fell year over year. A further rise would show that loan growth and funding costs still support the margin.
Supportive ifThe next reported net interest margin is above 3.27%.
Worry ifThe next reported net interest margin is below 3.08%, the Q2 level.
Why it matters: The ratio improved from Q2 to Q3, even as expenses rose. Another drop would show that revenue is keeping pace with costs.
Supportive ifThe Q4 efficiency ratio is below 56.40%.
Worry ifThe Q4 efficiency ratio rises above 57.64%, the Q2 level.
Why it matters: Q3 provision rose after Q2's reversal. Criticized loans and specific reserves also increased. Another high provision would show credit costs are still rising.
Worry ifQ4 provision for credit losses is above $1.6 million.
Less concerning ifQ4 provision is below $1.6 million and criticized loans fall from $77.6 million.
Why it matters: Criticized loans more than doubled from Q1 to Q3. Another rise would add to the credit risk seen in Q3.
Worry ifQ4 criticized loans exceed $77.6 million, the Q3 level.
Less concerning ifQ4 criticized loans fall below $77.6 million and net charge-offs stay at or below 0.14% of average loans.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$81 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $260 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,644 loss on $10,000 · 16.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.