OP Bancorp (OPBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$15.46+0.72%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -7.8% |
| Our one-year growth estimate | diamond | -21.2% |
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 2026-09-04.
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 13.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
OPBK — dividend update
Dated 2026-07-23
Other Events On July 23, 2026 , the Company announced that its Board of Directors declared a quarterly cash dividend of $0.14 per share on its common stock, payable on August 20, 2026, to shareholders of record as of August 6, 2026. The Company issued a press release describing the dividend on July 23, 2026 , which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press release, i…
Why it matters: Growth in operating income shows strong management. It impacts total profit.
Supportive ifOperating income is over $9.91 million. This shows strong performance.
Worry ifOperating income is below $8.45 million. This suggests there are issues.
Why it matters: Changes in provisions show how well the company manages risk. This impacts overall profits.
Watch forProvision for credit losses goes down, showing strong credit quality.
Also watch forIf the provision for credit losses goes up, it shows there may be credit problems.
Why it matters: The dividend shows that OP Bancorp cares about its shareholders. Regular dividends mean the company is stable.
Watch forThe dividend is $0.14 per share. This shows a commitment to capital allocation.
Also watch forNo dividend or a cut means possible financial trouble.
Why it matters: Loan growth is vital for revenue. Exceeding 1% growth indicates strong demand and effective lending strategies.
Supportive ifAverage loans reported to grow above 1% in Q3.
Worry ifAverage loans reported to grow below 1% in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$89 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $266 loss on $10,000 · 2.7% | 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.
Why it matters: The financial sector's growth trajectory affects OP Bancorp's performance. A drop in revenue growth could signal challenges.
Worry ifSector revenue growth drops below its median of 15%.
Less concerning ifSector revenue growth remains above its median of 15%.
Why it matters: A falling net interest margin can hurt profits. It shows pressure on interest income.
Worry ifNet interest margin falls below 3.08% in Q3.
Less concerning ifNet interest margin stays steady or goes above 3.08%.
Why it matters: Consistent dividends show the company cares about its shareholders. A change may mean problems.
Worry ifThe company declares a dividend of $0.14 per share for Q2.
Less concerning ifThe company fails to declare a dividend or cuts the dividend amount.
Why it matters: Consistent dividends show the company is stable. It means management trusts the cash flow.
Supportive ifThe board declares a dividend of $0.14 or higher for Q3.
Worry ifThe board does not declare a dividend or cuts the dividend amount.
Why it matters: More noninterest income shows better efficiency and more ways to earn money. This is key for growth.
Supportive ifQ3 noninterest income is over $6 million. This shows strong loan sales and fees.
Worry ifQ3 noninterest income is under $5.7 million. This points to revenue problems.
Why it matters: EPS above $0.50 shows strong earnings and good operations. It shows the company's financial health.
Supportive ifQ3 diluted EPS is above $0.50. This confirms strong performance.
Worry ifQ3 diluted EPS is below $0.45. This suggests weaker profits.
Why it matters: Sustaining net income growth is key for OP Bancorp's long-term health. A strong Q3 would show continued progress.
Supportive ifQ3 net income was over $8.5 million. This shows continued growth.
Worry ifQ3 net income falls below $8 million, suggesting a slowdown in growth.
Why it matters: More net charge-offs may mean weaker credit quality. This is important for risk management.
Worry ifNet charge-offs reported above 0.05% of average gross loans.
Less concerning ifNet charge-offs are under 0.03%. This shows strong credit quality.