OP Bancorp Valuation

Is OPBK undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of OPBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: OPBK ($16.24) is trading below our estimate of fair value ($47.69)

Significantly Below Fair Value: OPBK is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for OPBK?

Other financial metrics that can be useful for relative valuation.

OPBK key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.1x

Price to Earnings Ratio vs Peers

How does OPBK's PE Ratio compare to its peers?

The above table shows the PE ratio for OPBK vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average18.4x
MBLU Morris State Bancshares
11.4xn/aUS$251.7m
LCNB LCNB
34x50.9%US$242.7m
ISTR Investar Holding
13.2x10.1%US$234.0m
VABK Virginia National Bankshares
15.2xn/aUS$236.3m
OPBK OP Bancorp
11.6x10.3%US$239.5m

Price-To-Earnings vs Peers: OPBK is good value based on its Price-To-Earnings Ratio (11.6x) compared to the peer average (18.4x).


Price to Earnings Ratio vs Industry

How does OPBK's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a10.5%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a10.5%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: OPBK is good value based on its Price-To-Earnings Ratio (11.6x) compared to the US Banks industry average (12.9x).


Price to Earnings Ratio vs Fair Ratio

What is OPBK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

OPBK PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.6x
Fair PE Ratio12.2x

Price-To-Earnings vs Fair Ratio: OPBK is good value based on its Price-To-Earnings Ratio (11.6x) compared to the estimated Fair Price-To-Earnings Ratio (12.2x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst OPBK forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$16.24
US$15.75
-3.0%
4.8%US$16.50US$15.00n/a2
Nov ’25US$14.75
US$15.75
+6.8%
4.8%US$16.50US$15.00n/a2
Oct ’25US$12.20
US$14.00
+14.8%
7.1%US$15.00US$13.00n/a2
Sep ’25US$12.88
US$14.00
+8.7%
7.1%US$15.00US$13.00n/a2
Aug ’25US$11.93
US$14.00
+17.4%
7.1%US$15.00US$13.00n/a2
Jul ’25US$9.54
US$12.25
+28.4%
10.2%US$13.50US$11.00n/a2
Jun ’25US$9.80
US$12.25
+25.0%
10.2%US$13.50US$11.00n/a2
May ’25US$9.41
US$12.25
+30.2%
10.2%US$13.50US$11.00n/a2
Apr ’25US$9.97
US$12.25
+22.9%
10.2%US$13.50US$11.00n/a2
Mar ’25US$10.20
US$12.25
+20.1%
10.2%US$13.50US$11.00n/a2
Feb ’25US$10.78
US$12.25
+13.6%
10.2%US$13.50US$11.00n/a2
Jan ’25US$10.95
US$12.00
+9.6%
16.7%US$14.00US$10.00n/a2
Dec ’24US$9.33
US$11.00
+17.9%
9.1%US$12.00US$10.00n/a2
Nov ’24US$8.47
US$11.00
+29.9%
9.1%US$12.00US$10.00US$14.752
Oct ’24US$9.15
US$11.50
+25.7%
4.3%US$12.00US$11.00US$12.202
Sep ’24US$9.52
US$11.50
+20.8%
4.3%US$12.00US$11.00US$12.882
Aug ’24US$9.60
US$11.50
+19.8%
4.3%US$12.00US$11.00US$11.932
Jul ’24US$8.43
US$10.50
+24.6%
4.8%US$11.00US$10.00US$9.542
Jun ’24US$8.02
US$11.50
+43.4%
4.3%US$12.00US$11.00US$9.802
May ’24US$8.95
US$11.50
+28.5%
4.3%US$12.00US$11.00US$9.412
Apr ’24US$8.91
US$13.50
+51.5%
3.7%US$14.00US$13.00US$9.972
Mar ’24US$11.31
US$13.50
+19.4%
3.7%US$14.00US$13.00US$10.202
Feb ’24US$11.33
US$13.50
+19.2%
3.7%US$14.00US$13.00US$10.782
Jan ’24US$11.16
US$14.25
+27.7%
1.8%US$14.50US$14.00US$10.952
Dec ’23US$11.78
US$14.25
+21.0%
1.8%US$14.50US$14.00US$9.332
Nov ’23US$11.15
US$14.25
+27.8%
1.8%US$14.50US$14.00US$8.472

Analyst Forecast: Target price is lower than the current share price.


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