XVARY Composite Score
54
/ 100
Below Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
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What it is
OP Bancorp runs Open Bank, lending to small businesses and retail customers, mainly in the Korean-American community.
How it gets paid
Last year Op Bancorp made $3M in revenue. Commercial real estate lending was the main engine at $1.20M, or 40% of sales.
Why growth slowed
Revenue fell 1.7% last year. EDGAR lists the latest quarter at $3M of revenue and $1.25 of EPS.
What just happened
The key takeaway is scale: OP Bancorp posted $3M in quarterly revenue, while quarterly EPS history shows profit stayed positive through 2024.
At a Glance
B balance sheet — gets the job done, barely
60/100 earnings predictability — reasonably predictable
9.0x trailing p/e — the market's not buying it — or you found a deal
3.7% dividend yield — cash in your pocket every quarter
$1.39 fy2024 eps est
XVARY composite: 54/100 — below average
What They Do
OP Bancorp runs Open Bank, lending to small businesses and retail customers, mainly in the Korean-American community.
This is a relationship bank, not a scale machine. It has 12 full-service branches and 5 loan production offices, so your edge is local trust and niche focus. That matters more when your customers are small and medium-sized businesses that want a banker who already knows the neighborhood.
How They Make Money
$3M
annual revenue · their business grew -1.7% last year
Commercial real estate lending
$1.20M
Commercial and industrial lending
$0.75M
SBA lending
$0.45M
Home mortgage lending
$0.36M
Consumer lending
$0.24M
The Products That Matter
Business lending and treasury services
Commercial Banking
$2.4M · 80% of reported revenue
this is the core engine. at $2.4M, it drives most of the business, which means weak lending economics show up almost immediately in the top line.
main earnings driver
Deposits and consumer lending
Consumer Banking
$0.6M · 20% of reported revenue
this side of the bank is small. at $0.6M, it helps fund lending, but it is not large enough to diversify the story on its own.
funding support
Key Numbers
9.0x
trailing p/e
P/E → price divided by earnings → so what: you are paying 9 years of current earnings for the stock, which is cheap versus the market.
3.7%
dividend yield
Dividend yield → cash payout as a share of stock price → so what: you get paid while waiting, if earnings hold up.
$1.39
2024 eps
EPS → profit per share → so what: this is the earnings base supporting the current valuation and dividend.
$193M
market cap
Market cap → total equity value → so what: this is a very small bank, so one bad quarter can feel louder.
Financial Health
B
Strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 45 / 100
B — functional but not a standout on the balance sheet.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
beat estimates
The key takeaway is scale: OP Bancorp posted $3M in quarterly revenue, while quarterly EPS history shows profit stayed positive through 2024.
EDGAR lists the latest quarter at $3M of revenue and $1.25 of EPS. the 2024 quarterly EPS line was steadier at $0.34, $0.36, $0.36, and $0.33, which tells you the data sources are not perfectly aligned.
$3M
revenue
$1.25
eps
+278%
revenue vs. last year
the number that mattered
$3M matters because this is a tiny bank, and when your annual revenue base is also about $3M, each quarter can distort the whole story.
source: EDGAR and, 2026
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What Could Go Wrong
The #1 risk is net interest income staying stuck around $2.4M instead of supporting the jump to a $6M revenue year.
High
Net interest income pressure
net interest income is $2.4M, or 80% of reported revenue. this bank is still mostly a lending spread story.
if spreads move the wrong way, most of the income statement moves with them.
Med
Small-bank concentration
there is no moat, and the bank competes for local loans and deposits like every other community lender.
when your total trailing revenue is only $3M, you do not need a huge problem for results to feel it.
Med
Estimate risk
the current fy2024 revenue estimate is $6M, roughly double the trailing $3M base.
if that rebound does not materialize, the 9.0x p/e may be less cheap than it looks.
Low
Yield complacency
a 3.7% dividend yield can keep income investors interested, but it is not a growth strategy.
if earnings stay choppy, the yield stops being a cushion and starts being the only reason people are here.
the combined risk picture is simple: 80% of reported revenue sits in one line item, and the market is still expecting revenue to rise from $3M to $6M.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Earnings
Q1 2026 earnings report
scheduled for april 23, 2026. the headline number is eps, but the real test is whether the revenue story starts moving toward $6M.
Metric
Revenue gap
trailing revenue is $3M. the current full-year estimate is $6M. you want to see that gap getting smaller, not explained away.
Trend
Net interest income
at $2.4M and 80% of reported revenue, this is the line that tells you whether the core bank is stabilizing or still drifting.
Risk
Dividend versus earnings
the 3.7% yield helps, but only if earnings remain credible. repeated misses would make the income case feel thinner.
Analyst Rankings
earnings predictability
60 / 100
in human-speak, the business is predictable enough to model, but not reliable enough to relax.
valuation signal
9.0x
a low p/e says expectations are modest. you are being paid for uncertainty, not spared from it.
Source: institutional data
Institutional Activity
institutional ownership data for OPBK is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$14
Current price
Target midpoint · from current
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