OP Bancorp

OPBK · NASDAQ

$14.72+$0.06 (+0.41%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $14.66

OPBK analyst rating

BuyConsensus of 2 analysts over the last 12 months. 50% rate it a buy.

Strong buy0
Buy1
Hold1
Underperform0
Sell0

12-month price target · 4 analysts

Average $18.10 (+23.0% upside)

Low: $17.67
Now: $14.72
High: $18.90

Upgrades and downgrades

The latest rating actions, newest first

OPBK analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
DA Davidson	Jul 28, 2026	Maintains	Buy	$17.00 → $18.00	78%
Keefe, Bruyette & Woods	Jul 27, 2026	Maintains	Market Perform	$17.00 → $17.50	63%
DA Davidson	Apr 28, 2026	Maintains	Buy	$17.00	78%
DA Davidson	Oct 28, 2025	Maintains	Buy	$16.50 → $17.00	78%
Keefe, Bruyette & Woods	Oct 27, 2025	Maintains	Market Perform	$15.50 → $16.00	63%

The case for and against

Updated Jan 12, 2026

Bull case

OP Bancorp has demonstrated significant financial strength, highlighted by an impressive 22 basis point (bp) expansion in net interest margin (NIM) to 3.23%, driven by increased loan yields and decreased funding costs. The bank also reported a notable 15.4% quarter-over-quarter increase in loans, indicating strong demand for its lending services, particularly among small- and medium-sized businesses and ethnic minority communities. Furthermore, non-interest bearing deposits (NIBDs) rose 14% on a quarterly average basis, reflecting improved deposit acquisition efforts and contributing to a positive outlook for the bank’s financial stability and growth potential.

Bear case

The outlook for OP Bancorp's stock is negatively impacted by declining average earning asset yields, which fell by 4 basis points to 6.15%, alongside loan yields contracting by 5 basis points to 6.51% due to nonaccrual interest reversals. Additionally, there are concerning potential risks including asset quality deterioration, pressures on net interest margins from competitive market dynamics, and weakened loan demand leading to slower growth and a less profitable asset mix. The company has also seen a reduction in fee income due to lower gains from the SBA segment, and there are concerns regarding increased credit costs and margin pressure, particularly as market conditions shift.

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