OP Bancorp (OPBK) Competitors

OP Bancorp (NASDAQ:OPBK) and Esquire Financial (NASDAQ:ESQ) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, analyst recommendations, media sentiment, profitability, institutional ownership, risk, dividends and earnings.

Does the media favor OPBK or ESQ?

In the previous week, Esquire Financial had 1 more articles in the media than OP Bancorp. MarketBeat recorded 2 mentions for Esquire Financial and 1 mentions for OP Bancorp. OP Bancorp's average media sentiment score of 1.91 beat Esquire Financial's score of 1.84 indicating that OP Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
OP Bancorp	Very Positive
Esquire Financial	Very Positive

Which has more risk and volatility, OPBK or ESQ?

OP Bancorp has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500. Comparatively, Esquire Financial has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of OPBK or ESQ?

53.6% of OP Bancorp shares are held by institutional investors. Comparatively, 54.7% of Esquire Financial shares are held by institutional investors. 20.4% of OP Bancorp shares are held by insiders. Comparatively, 18.0% of Esquire Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Which has stronger earnings & valuation, OPBK or ESQ?

Esquire Financial has lower revenue, but higher earnings than OP Bancorp. OP Bancorp is trading at a lower price-to-earnings ratio than Esquire Financial, 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
OP Bancorp	$154.05M	1.41	$21.07M	$1.48	9.88
Esquire Financial	$138.27M	6.07	$43.66M	$5.42	18.14

Do analysts prefer OPBK or ESQ?

OP Bancorp currently has a consensus target price of $15.50, suggesting a potential upside of 6.06%. Esquire Financial has a consensus target price of $100.50, suggesting a potential upside of 2.23%. Given OP Bancorp's higher probable upside, research analysts clearly believe OP Bancorp is more favorable than Esquire Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OP Bancorp	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Esquire Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Is OPBK or ESQ more profitable?

Esquire Financial has a net margin of 30.96% compared to OP Bancorp's net margin of 13.91%. Esquire Financial's return on equity of 18.87% beat OP Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OP Bancorp	13.91%	10.72%	0.91%
Esquire Financial	30.96%	18.87%	2.41%

Is OPBK or ESQ a better dividend stock?

OP Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.3%. Esquire Financial pays an annual dividend of $0.70 per share and has a dividend yield of 0.7%. OP Bancorp pays out 32.4% of its earnings in the form of a dividend. Esquire Financial pays out 12.9% 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. Esquire Financial has raised its dividend for 4 consecutive years.

Summary

Esquire Financial beats OP Bancorp on 13 of the 19 factors compared between the two stocks.