OP Bancorp (OPBK) Competitors

X Financial (NYSE:XYF) and OP Bancorp (NASDAQ:OPBK) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, risk, earnings, profitability, analyst recommendations, dividends, valuation, community ranking and media sentiment.

Do institutionals and insiders believe in XYF or OPBK?

1.1% of X Financial shares are owned by institutional investors. Comparatively, 53.6% of OP Bancorp shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 21.3% 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 will outperform the market over the long term.

Do analysts prefer XYF or OPBK?

OP Bancorp has a consensus target price of $18.00, suggesting a potential upside of 46.70%. Given OP Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe OP Bancorp is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	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

Does the MarketBeat Community favor XYF or OPBK?

X Financial received 71 more outperform votes than OP Bancorp when rated by MarketBeat users. Likewise, 58.11% of users gave X Financial an outperform vote while only 53.70% of users gave OP Bancorp an outperform vote.

Company	Underperform	Outperform
X Financial	Outperform Votes 129 58.11%	Underperform Votes 93 41.89%
OP Bancorp	Outperform Votes 58 53.70%	Underperform Votes 50 46.30%

Which has more risk & volatility, XYF or OPBK?

X Financial has a beta of 0.05, indicating that its share price is 95% less volatile than the S&P 500. Comparatively, OP Bancorp has a beta of 0.65, indicating that its share price is 35% less volatile than the S&P 500.

Is XYF or OPBK a better dividend stock?

X Financial pays an annual dividend of $0.16 per share and has a dividend yield of 0.8%. OP Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.9%. X Financial pays out 3.3% of its earnings in the form of a dividend. OP Bancorp pays out 33.8% 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 preferable earnings and valuation, XYF or OPBK?

X Financial has higher revenue and earnings than OP Bancorp. X Financial 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
X Financial	$2.76B	0.28	$167.16M	$4.80	3.93
OP Bancorp	$84.70M	2.15	$21.07M	$1.42	8.64

Does the media refer more to XYF or OPBK?

In the previous week, X Financial had 1 more articles in the media than OP Bancorp. MarketBeat recorded 3 mentions for X Financial and 2 mentions for OP Bancorp. X Financial's average media sentiment score of 0.59 beat OP Bancorp's score of 0.43 indicating that X Financial is being referred to more favorably in the media.

Company	Overall Sentiment
X Financial	Positive
OP Bancorp	Neutral

Is XYF or OPBK more profitable?

X Financial has a net margin of 25.03% compared to OP Bancorp's net margin of 13.68%. X Financial's return on equity of 20.66% beat OP Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	25.03%	20.66%	11.17%
OP Bancorp	13.68%	10.64%	0.91%

Summary

X Financial beats OP Bancorp on 12 of the 19 factors compared between the two stocks.