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1. Company Snapshot

1.a. Company Description

OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California.It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit.The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice.


In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts.As of January 27, 2022, the company operated nine full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas.It also had four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington.


The company was founded in 2005 and is headquartered in Los Angeles, California.

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1.b. Last Insights on OPBK

OP Bancorp's recent performance has been driven by solid balance sheet growth, attractive valuation, and a focus on Korean-American communities. The company's deposit and loan growth have been strong, with net income of $6.3 million and diluted EPS of $0.42 in Q2 2025, up from $5.6 million and $0.37 in Q1 2025. Despite margin compression, net interest income and non-interest income are rebounding, supporting improved profitability. OP Bancorp has been recognized as a top stock pick by Zacks, with a Strong Buy rating (Zacks, July 9, 2025).

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Best Value Stock to Buy for Nov. 19th

Nov -19

Source: zacks.com

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Best Income Stocks to Buy for Nov. 19th

Nov -19

Source: zacks.com

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New Strong Buy Stocks for Nov. 19: TCMD, NPSNY, and More

Nov -19

Source: zacks.com

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Connor Clark & Lunn Investment Management Ltd. Increases Holdings in OP Bancorp $OPBK

Nov -17

Source: defenseworld.net

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OP Bancorp Announces Closing of $25 million of 7.50% Fixed-to-Floating Rate Subordinated Note

Nov -10

Source: businesswire.com

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Best Value Stock to Buy for Oct. 30th

Oct -30

Source: zacks.com

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OP Bancorp: Performing Just Fine

Oct -24

Source: seekingalpha.com

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OP Bancorp Reports Third Quarter 2025 Net Income of $6.7 Million, Diluted EPS of $0.45

Oct -23

Source: businesswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (6.00%)

6. Segments

Banking and Related Activities

Expected Growth: 6.0%

OP Bancorp's 6.0% growth in Banking and Related Activities is driven by increasing demand for digital banking services, strategic expansion into underserved markets, and a focus on commercial lending. Additionally, the company's investments in technology and operational efficiency have improved customer experience, leading to increased deposits and loan growth.

7. Detailed Products

Commercial Banking

Provides financial solutions to small and medium-sized businesses, including cash management, lending, and treasury management services.

Consumer Banking

Offers personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Wealth Management

Provides investment and wealth management services, including brokerage, investment advisory, and trust services.

Home Lending

Offers mortgage lending services, including purchase and refinance loans, home equity loans, and construction loans.

Treasury Management

Provides cash management and treasury management services to businesses, including account management, payment processing, and risk management.

8. OP Bancorp's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for OP Bancorp is medium due to the presence of alternative banking services and financial institutions.

Bargaining Power Of Customers

The bargaining power of customers for OP Bancorp is low due to the lack of concentration of buyers and the high switching costs.

Bargaining Power Of Suppliers

The bargaining power of suppliers for OP Bancorp is medium due to the moderate concentration of suppliers and the availability of alternative suppliers.

Threat Of New Entrants

The threat of new entrants for OP Bancorp is high due to the low barriers to entry and the attractiveness of the banking industry.

Intensity Of Rivalry

The intensity of rivalry for OP Bancorp is high due to the high level of competition in the banking industry and the presence of many established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 53.53%
Debt Cost 7.05%
Equity Weight 46.47%
Equity Cost 7.05%
WACC 7.05%
Leverage 115.21%

11. Quality Control: OP Bancorp passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
United Security Bancshares

A-Score: 7.3/10

Value: 6.8

Growth: 5.9

Quality: 7.4

Yield: 9.0

Momentum: 7.0

Volatility: 7.7

1-Year Total Return ->

View Full Report
Stock-Card
Preferred Bank

A-Score: 7.1/10

Value: 7.0

Growth: 8.1

Quality: 7.4

Yield: 6.0

Momentum: 6.5

Volatility: 7.7

1-Year Total Return ->

View Full Report
Stock-Card
OpenBank

A-Score: 7.0/10

Value: 7.7

Growth: 6.9

Quality: 6.7

Yield: 8.0

Momentum: 6.0

Volatility: 6.7

1-Year Total Return ->

View Full Report
Stock-Card
Westamerica

A-Score: 6.8/10

Value: 5.9

Growth: 6.3

Quality: 8.0

Yield: 7.0

Momentum: 5.0

Volatility: 8.7

1-Year Total Return ->

View Full Report
Stock-Card
Mercantile Bank

A-Score: 6.8/10

Value: 6.4

Growth: 7.8

Quality: 6.1

Yield: 7.0

Momentum: 6.0

Volatility: 7.3

1-Year Total Return ->

View Full Report
Stock-Card
BankFinancial

A-Score: 5.6/10

Value: 4.6

Growth: 3.6

Quality: 4.2

Yield: 8.0

Momentum: 5.0

Volatility: 8.3

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

13.64$

Current Price

13.64$

Potential

-0.00%

Expected Cash-Flows