OP Bancorp (OPBK) Competitors

Jiayin Group (NASDAQ:JFIN) and OP Bancorp (NASDAQ:OPBK) are both small-cap banking companies, but which is the better business? We will compare the two companies based on the strength of their media sentiment, valuation, institutional ownership, earnings, profitability, risk, analyst recommendations and dividends.

Is JFIN or OPBK more profitable?

Jiayin Group has a net margin of 21.66% compared to OP Bancorp's net margin of 13.91%. Jiayin Group's return on equity of 42.68% beat OP Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Jiayin Group	21.66%	42.68%	23.41%
OP Bancorp	13.91%	10.81%	0.92%

Do analysts recommend JFIN or OPBK?

OP Bancorp has a consensus price target of $15.50, indicating a potential upside of 21.09%. Given OP Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe OP Bancorp is more favorable than Jiayin Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
OP Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Which has preferable valuation and earnings, JFIN or OPBK?

Jiayin Group has higher revenue and earnings than OP Bancorp. Jiayin Group is trading at a lower price-to-earnings ratio than OP Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$794.74M	0.88	$144.74M	$3.44	3.80
OP Bancorp	$154.05M	1.23	$21.07M	$1.48	8.65

Do insiders & institutionals have more ownership in JFIN or OPBK?

44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 53.6% of OP Bancorp shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by company insiders. Comparatively, 20.4% of OP Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Is JFIN or OPBK a better dividend stock?

Jiayin Group pays an annual dividend of $1.28 per share and has a dividend yield of 9.8%. OP Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.8%. Jiayin Group pays out 37.2% of its earnings in the form of a dividend. OP Bancorp pays out 32.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Which has more risk & volatility, JFIN or OPBK?

Jiayin Group has a beta of 1.02, indicating that its share price is 2% more volatile than the S&P 500. Comparatively, OP Bancorp has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500.

Does the media favor JFIN or OPBK?

In the previous week, OP Bancorp had 12 more articles in the media than Jiayin Group. MarketBeat recorded 13 mentions for OP Bancorp and 1 mentions for Jiayin Group. OP Bancorp's average media sentiment score of 0.54 beat Jiayin Group's score of 0.00 indicating that OP Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Jiayin Group	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
OP Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Jiayin Group beats OP Bancorp on 9 of the 17 factors compared between the two stocks.