OP Bancorp (OPBK)
State Commercial Banks · Financial Services · $209M
Intrinsic Value (Consensus)
$37.80
Current Price
$14.00
Margin of Safety
+170%
170% Below Intrinsic Value
Value: $38
Price: $14
Valuation Model Estimates
Current Price: $14.00
DCF (Discounted Cash Flow)
$73.55
Graham Number
$24.33
Earnings Power Value
$16.70
Relative Value (P/E)
$34.40
Dividend Discount Model
$40.00
Consensus Value
$37.80
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Strong earnings growth (20% YoY)
High free cash flow yield (11.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.72
- EPS (Forward)
- $2.06
- Book Value
- $15.30
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 11.2%
- Debt/Equity
- —
- Revenue Growth
- -1.7%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance