OP Bancorp (OPBK) Competitors

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

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 3.9%. Esquire Financial pays an annual dividend of $0.70 per share and has a dividend yield of 0.8%. OP Bancorp pays out 33.8% of its earnings in the form of a dividend. Esquire Financial pays out 13.2% 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 increased its dividend for 4 consecutive years.

Is OPBK or ESQ more profitable?

Esquire Financial has a net margin of 31.58% compared to OP Bancorp's net margin of 13.68%. Esquire Financial's return on equity of 19.93% beat OP Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OP Bancorp	13.68%	10.64%	0.91%
Esquire Financial	31.58%	19.93%	2.54%

Which has preferable earnings and valuation, OPBK or ESQ?

Esquire Financial has higher revenue and 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	$84.70M	2.17	$21.07M	$1.42	8.71
Esquire Financial	$129.33M	5.80	$43.66M	$5.29	16.77

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

53.6% of OP Bancorp shares are owned by institutional investors. Comparatively, 54.7% of Esquire Financial shares are owned by institutional investors. 21.3% of OP Bancorp shares are owned by company insiders. Comparatively, 18.0% of Esquire Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Does the MarketBeat Community believe in OPBK or ESQ?

Esquire Financial received 138 more outperform votes than OP Bancorp when rated by MarketBeat users. Likewise, 57.31% of users gave Esquire Financial an outperform vote while only 53.70% of users gave OP Bancorp an outperform vote.

Company	Underperform	Outperform
OP Bancorp	Outperform Votes 58 53.70%	Underperform Votes 50 46.30%
Esquire Financial	Outperform Votes 196 57.31%	Underperform Votes 146 42.69%

Which has more volatility and risk, OPBK or ESQ?

OP Bancorp has a beta of 0.65, suggesting that its share price is 35% less volatile than the S&P 500. Comparatively, Esquire Financial has a beta of 0.51, suggesting that its share price is 49% less volatile than the S&P 500.

Do analysts rate OPBK or ESQ?

OP Bancorp currently has a consensus target price of $18.00, indicating a potential upside of 45.51%. Esquire Financial has a consensus target price of $92.50, indicating a potential upside of 4.30%. Given OP Bancorp's higher possible upside, analysts plainly 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)	1 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

Does the media favor OPBK or ESQ?

In the previous week, OP Bancorp and OP Bancorp both had 1 articles in the media. Esquire Financial's average media sentiment score of 1.67 beat OP Bancorp's score of 0.00 indicating that Esquire Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
OP Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Esquire Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Summary

Esquire Financial beats OP Bancorp on 16 of the 20 factors compared between the two stocks.