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OPBK

OP BancorpA
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 loan growth, higher net interest income and margin expansion support continued earnings and a possible narrowing of the discount to book value. The $17.75 aggregate analyst target supplied in the packet implies about 18% upside from $15.00, but target coverage is thin.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.3.
What can break
Higher criticized loans, credit-loss provisions or charge-offs could erode the benefit of loan growth and margin expansion. [#SEC-8K-2026-10-22]
Momentum
62
Value
64
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $16.00 · Bull $18.00 · Bear $12.50Analysis 2026-10-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $17.75
Why
Momentum62 · Δ7d -
Value64 · Δ7d -0.3
Sentiment59 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.3.

Contradictions & invalidation

  • • Higher criticized loans, credit-loss provisions or charge-offs could erode the benefit of loan growth and margin expansion. [#SEC-8K-2026-10-22]
  • • No quantified forward guidance or verified post-print analyst revision was available; provider consensus estimates conflict.
  • • Q3 EPS declined sequentially despite stronger net interest income because the provision and expenses increased.

Catalyst clock

2026-11-19

Declared dividend provides a dated capital-return checkpoint

Lead driver: Value · See fundamentals
Momentum
62
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
64
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
+0.0
Sentiment
59
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 62.2 / Value 63.8 / Sentiment 59.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-27. Scenario method

B+
Bull case
25%
Probability
Target price
$18.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$16.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$12.50
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$224.44M
Beta
0.67
Shares Out
14.93M
P/E (TTM)
9.1
P/S (TTM)
2.32
P/FCF (TTM)
12.33
Rev YoY
+5.3%
EPS YoY
+26.3%
Gross Margin
-
Op Margin
+23.4%
Net Debt
$99.85M
Current Ratio
0.08
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data