OP Bancorp (OPBK) Stock Price, News & Analysis

Company Overview

OP Bancorp is the bank holding company for Old Point National Bank, a community-focused financial institution headquartered in Suffolk, Virginia. Through its subsidiary, the company offers a broad range of commercial and consumer banking services designed to meet the needs of businesses, professionals and individuals across the Hampton Roads and Virginia Peninsula regions. Core services include business lending, real estate financing, deposit accounts, cash management solutions and treasury services.

The company’s lending portfolio spans commercial real estate loans, construction and land development financing, equipment loans and lines of credit tailored for small and medium-sized enterprises. On the consumer side, Old Point provides residential mortgage loans, home equity lines of credit and unsecured consumer loans. Deposit products encompass interest-bearing checking and savings accounts, certificates of deposit, money market accounts and a suite of digital banking tools that enable customers to manage their finances online and via mobile devices.

In addition to traditional banking, OP Bancorp offers wealth management, trust services and insurance solutions through dedicated advisory teams. These services include investment management, retirement planning, fiduciary trust administration and insurance products for both personal and business clients. By combining local decision-making with personalized service, the company aims to foster long-term relationships and support economic growth in its core markets.

Founded through predecessor institutions dating back to the early 20th century, OP Bancorp has grown alongside southeastern Virginia communities while maintaining a community-bank ethos. The company’s leadership team comprises seasoned banking professionals with deep regional experience, guiding strategic initiatives to expand product offerings, enhance digital capabilities and strengthen customer engagement across its service area.

Key Stats

• Today's Range: $13.74 to $13.86
• 50-Day Range: $12.56 to $14.73
• 52-Week Range: $10.43 to $18.57
• Volume: 13,609 shs
• Average Volume: 38,890 shs
• Market Capitalization: $205.33 million
• P/E Ratio: 9.32
• Dividend Yield: 3.48%
• Price Target: $15.50
• Consensus Rating: Hold

OP Bancorp Stock Analysis - MarketRank™

OP Bancorp scored higher than 63% of companies evaluated by MarketBeat, and ranked 572nd out of 925 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.8 / 5
• Analyst Rating: Hold

Consensus Rating

OP Bancorp has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Upside Potential

OP Bancorp has a consensus price target of $15.50, representing about 12.4% upside from its current price of $13.79.

Amount of Analyst Coverage

OP Bancorp has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of OP Bancorp is 9.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 263.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of OP Bancorp is 9.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 41.47.

Price to Book Value per Share Ratio

OP Bancorp has a P/B Ratio of 1.00. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.15% of the float of OP Bancorp has been sold short.

Short Interest Ratio / Days to Cover

OP Bancorp has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in OP Bancorp has recently decreased by 2.83%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

OP Bancorp pays a meaningful dividend of 3.48%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

OP Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of OP Bancorp is 32.43%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.15% of the float of OP Bancorp has been sold short.

Short Interest Ratio / Days to Cover

OP Bancorp has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in OP Bancorp has recently decreased by 2.83%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.8 / 5
• News Sentiment: 0.26

News Sentiment

OP Bancorp has a news sentiment score of 0.26. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for OP Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, OP Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

20.35% of the stock of OP Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

53.63% of the stock of OP Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

OPBK Stock Analysis - Frequently Asked Questions

How have OPBK shares performed this year?

OP Bancorp's stock was trading at $15.81 on January 1st, 2025. Since then, OPBK stock has decreased by 12.8% and is now trading at $13.79.

How were OP Bancorp's earnings last quarter?

OP Bancorp (NASDAQ:OPBK) announced its quarterly earnings data on Thursday, July, 24th. The company reported $0.42 EPS for the quarter, meeting analysts' consensus estimates of $0.42. The business earned $23.69 million during the quarter, compared to the consensus estimate of $22.85 million. OP Bancorp had a net margin of 13.91% and a trailing twelve-month return on equity of 10.72%.

When did OP Bancorp IPO?

OP Bancorp (OPBK) raised $21 million in an initial public offering (IPO) on Wednesday, March 28th 2018. The company issued 2,000,000 shares at a price of $9.50-$11.50 per share. Keefe, Bruyette & Woods (A Stifel Company) served as the underwriter for the IPO and D.A. Davidson & Co. was co-manager.

How do I buy shares of OP Bancorp?

Shares of OPBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of OP Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that OP Bancorp investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), AU Optronics (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 7/24/2025
• Record date for 8/21 Dividend: 8/07/2025
• Ex-Dividend for 8/21 Dividend: 8/07/2025
• Dividend Payable: 8/21/2025
• Today: 10/04/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OPBK
• CIK: 1722010
• Web: www.myopenbank.com
• Phone: (213) 892-9999
• Fax: N/A
• Employees: 190
• Year Founded: N/A

Price Target and Rating

• Average Price Target for OP Bancorp: $15.50
• High Price Target: $15.50
• Low Price Target: $15.50
• Potential Upside/Downside: +12.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.48
• Trailing P/E Ratio: 9.32
• Forward P/E Ratio: 7.26
• P/E Growth: N/A
• Net Income: $21.07 million
• Net Margins: 13.91%
• Pretax Margin: 18.95%
• Return on Equity: 10.72%
• Return on Assets: 0.91%

Debt

• Debt-to-Equity Ratio: 0.23
• Current Ratio: 1.00
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $154.05 million
• Price / Sales: 1.33
• Cash Flow: $1.74 per share
• Price / Cash Flow: 7.94
• Book Value: $13.84 per share
• Price / Book: 1.00

Miscellaneous

• Outstanding Shares: 14,890,000
• Free Float: 11,857,000
• Market Cap: $205.33 million
• Optionable: Optionable
• Beta: 0.70