Intrinsiqq
OP Bancorp logo

OP Bancorp Quality Score

OPBK

⊜ Compare
Quality79

Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 85/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
100/100
7.9x

Under 20x, reasonable relative to earnings

Price / Book
100/100
0.96x

1.0x book, trading near or below equity

Book Value Growth
100/100
11.2%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
80/100
-1.9%

Roughly flat, no meaningful dilution

Return on Equity
80/100
12.1%

10–15%, healthy ROE

Capital Adequacy
80/100
8.7%

8.7% equity/assets, comfortable cushion

Margin Trend
100/100
+13527.8pp

Net margin expanded 3+pp, strong improvement

OP Bancorp (OPBK) quality: score, margins and returns

OP Bancorp (OPBK) scores 79/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is OP Bancorp (OPBK) a high-quality business?+

OP Bancorp scores 79 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does OP Bancorp's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from OPBK's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where OP Bancorp scores well and where it falls behind.

How profitable is OP Bancorp?+

OP Bancorp runs a net margin of about 10,967.4%. Revenue has grown at roughly 7.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 8 Aug 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Peers

State Commercial Banks · Pick stocks to compare with OPBK

CompareIntrinsic value
FVCBFVCBankcorp, Inc.
$16.83+0.30%75
FCCOFirst Community Corporation
$33.67+2.19%69
AUBNAuburn National Bancorporation Inc.
$25.90+2.86%76
BFSTBusiness First Bancshares, Inc.
$32.98+2.23%62
HTBKHeritage Commerce Corp
No recent price45
SFSTSouthern First Bancshares Inc.
$61.53+2.21%67
GBNYGenerations Bancorp NY, Inc.
No recent price47
NSTSNsts Bancorp Inc.
No recent price35

Held by ETFs

OPBK is in 9 US ETFs. The largest of them, with OPBK's weight in each:

Spot a number that looks wrong? Check it in OPBK's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

2 of 2 free stocks used today

Keep analysing OPBK

Create a free account and get 14 days of Premium: every stock and every tool.

  • Unlimited stocks
  • Stock screener
  • Portfolio tracker
  • Editable DCF
  • Compare side by side
  • Unlimited alerts

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.