Stock Analysis Report

Executive Summary

Opus Bank provides various banking products, services, and solutions for small and mid-sized companies, entrepreneurs, real estate investors, professionals, and high net worth individuals.

Snowflake Analysis

Flawless balance sheet with proven track record.

Similar Companies

Share Price & News

How has Opus Bank's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: OPB's share price has been volatile over the past 3 months.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: OPB exceeded the US Banks industry which returned -31.1% over the past year.

Return vs Market: OPB underperformed the US Market which returned -13.6% over the past year.

Shareholder returns

7 Day-6.1%-3.6%-1.1%
30 Day-34.9%-30.2%-17.8%
90 Day-39.0%-41.8%-22.5%
1 Year-23.9%-25.3%-29.0%-31.1%-11.9%-13.6%
3 Year-14.7%-18.1%-20.2%-26.0%12.1%4.9%
5 Year-46.0%-49.4%6.2%-5.9%30.5%16.3%

Price Volatility Vs. Market

How volatile is Opus Bank's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is Opus Bank undervalued compared to its fair value and its price relative to the market?


Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: OPB ($15.64) is trading above our estimate of fair value ($8.63)

Significantly Below Fair Value: OPB is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: OPB is poor value based on its PE Ratio (9.6x) compared to the Banks industry average (8.8x).

PE vs Market: OPB is good value based on its PE Ratio (9.6x) compared to the US market (12.9x).

Price to Earnings Growth Ratio

PEG Ratio: OPB is poor value based on its PEG Ratio (1.3x)

Price to Book Ratio

PB vs Industry: OPB is good value based on its PB Ratio (0.5x) compared to the US Banks industry average (0.8x).

Next Steps

Future Growth

How is Opus Bank forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: OPB's forecast earnings growth (7.4% per year) is above the savings rate (1.7%).

Earnings vs Market: OPB's earnings (7.4% per year) are forecast to grow slower than the US market (12.3% per year).

High Growth Earnings: OPB's earnings are forecast to grow, but not significantly.

Revenue vs Market: OPB's revenue (3.4% per year) is forecast to grow slower than the US market (7.2% per year).

High Growth Revenue: OPB's revenue (3.4% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: OPB's Return on Equity is forecast to be low in 3 years time (5.6%).

Next Steps

Past Performance

How has Opus Bank performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: OPB has high quality earnings.

Growing Profit Margin: OPB's current net profit margins (23.2%) are higher than last year (13.4%).

Past Earnings Growth Analysis

Earnings Trend: OPB's earnings have declined by -4.9% per year over the past 5 years.

Accelerating Growth: OPB's earnings growth over the past year (100.1%) exceeds its 5-year average (-4.9% per year).

Earnings vs Industry: OPB earnings growth over the past year (100.1%) exceeded the Banks industry 10.9%.

Return on Equity

High ROE: OPB's Return on Equity (5.6%) is considered low.

Next Steps

Financial Health

How is Opus Bank's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Inventory Level: OPB has a low level of unsold assets or inventory.

Debt Coverage by Assets: OPB's debt is covered by short term assets (assets are 1.2x debt).

Financial Institutions Analysis

Asset Level: OPB's level of assets compared to its equity is low.

Allowance for Bad Loans: OPB has a sufficient allowance for bad loans.

Low Risk Liabilities: OPB's liabilities are made up of primarily low risk sources of funding.

Loan Level: OPB has an acceptable proportion of non-loan assets held.

Low Risk Deposits: OPB's loans are broadly funded by customer deposits.

Level of Bad Loans: OPB has an appropriate level of bad loans (0.1%)

Next Steps


What is Opus Bank's current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: OPB's dividend (2.81%) is higher than the bottom 25% of dividend payers in the US market (2%).

High Dividend: OPB's dividend (2.81%) is low compared to the top 25% of dividend payers in the US market (5.56%).

Stability and Growth of Payments

Stable Dividend: OPB has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: OPB's dividend payments have increased, but the company has only paid a dividend for 5 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (26.9%), OPB's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: OPB's dividends in 3 years are forecast to be well covered by earnings (30.1% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Paul Taylor (58yo)





Mr. Paul W. Taylor serves as Chief Executive Officer, President and Director of Opus Bank since May 01, 2019. He was a Director of Pacific Mercantile Bancorp and Pacific Mercantile Bank since March 04, 201 ...

CEO Compensation Analysis

Compensation vs Market: Paul's total compensation ($USD2.92M) is above average for companies of similar size in the US market ($USD2.20M).

Compensation vs Earnings: Insufficient data to compare Paul's compensation with company performance.

Leadership Team

Paul Taylor
President0.92yrUS$2.92mno data
Kevin Thompson
Executive VP & CFO2.42yrsUS$1.01mno data
Edward Padilla
Vice Chairman & Head of Commercial Real Estate Bankingno dataUS$2.41m0.034% $195.1k
James Haney
Executive VP and Head of Commercial & Specialty Banking2.08yrsUS$1.03m0.0027% $15.6k
Jennifer Simmons
Executive VP & COO4.5yrsno data0.049% $279.5k
Brett Villaume
Senior VP & Director of Investor Relationsno datano datano data
Angelee Harris
Executive VP0.83yrno data0.014% $81.5k
Balaji Krishna
Executive VP3.33yrsno data0.031% $174.4k
Gregory von der Linden
Executive VP & Chief Human Resources Officer1.25yrsno data0.019% $109.8k
Richard Sanchez
Executive VP & Corporate Secretary9.58yrsno datano data


Average Tenure


Average Age

Experienced Management: OPB's management team is considered experienced (2.3 years average tenure).

Board Members

Paul Taylor
President0.92yrUS$2.92mno data
David King
Independent Director3.5yrsno datano data
Marsha Cameron
Independent Director2yrsUS$200.48k0.0056% $32.0k
Melanie Cibik
Independent Director0.67yrUS$89.16kno data
Paul Greig
Chairman of the Board2.25yrsUS$5.02m0.050% $284.9k
G. Durkee
Independent Director0.92yrUS$128.75kno data
Mary Thigpen
Independent Director0.33yrno datano data
Richard Thomas
Independent Director2.67yrsUS$197.50k0.0088% $49.8k
Mark Deason
Independent Director2.17yrsno datano data


Average Tenure


Average Age

Experienced Board: OPB's board of directors are not considered experienced ( 2 years average tenure), which suggests a new board.


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: OPB insiders have only sold shares in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Opus Bank's company bio, employee growth, exchange listings and data sources

Key Information

  • Name: Opus Bank
  • Ticker: OPB
  • Exchange: NasdaqGS
  • Founded: 1982
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$568.670m
  • Shares outstanding: 36.36m
  • Website:

Number of Employees


  • Opus Bank
  • 19900 MacArthur Boulevard
  • 12th Floor
  • Irvine
  • California
  • 92612
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
OPBNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDApr 2014
OP7DB (Deutsche Boerse AG)YesCommon StockDEEURApr 2014


Opus Bank provides various banking products, services, and solutions for small and mid-sized companies, entrepreneurs, real estate investors, professionals, and high net worth individuals. The company accepts demand deposits, checking accounts, money market accounts, savings accounts, and certificates of deposit. Its loan products include multifamily residential loans, commercial real estate loans, commercial business loans, small business administration loans, and construction loans; and loans and lines for working capital, expansion, acquisitions, consolidation, and transition. The company also offers financial and advisory services related to raising equity capital, targeted acquisition and divestiture strategies, general mergers and acquisitions, debt and equity financing, balance sheet restructuring, valuation, strategy, and performance improvement. In addition, it provides commercial escrow services and facilitates tax-deferred commercial exchanges; and treasury, cash management, and depository solutions. As of January 28, 2019, it operated 47 banking offices, including 28 in California, 16 in the Seattle/Puget Sound region in Washington, 2 in the Phoenix metropolitan area of Arizona, and 1 in Portland, Oregon. The company was formerly known as Bay Cities National Bank. Opus Bank was founded in 1982 and is headquartered in Irvine, California. 

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/02 06:49
End of Day Share Price2020/04/01 00:00
Annual Earnings2019/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.