OPBK
OP BancorpBNasdaq / Banks
Last Price
At close
2026-07-21
Current thesis
The bull case is simple and evidence-backed: 1Q26 profitability stayed solid, book value kept rising, capital remained well above minimums, deposits and loans both grew sequentially, and management said the late 10-Q should not change previously released results. If the delayed filing lands cleanly, the shares could drift closer to book value and the packet's 16.5 median target reference.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-23.
What can break
Form 12b-25 filed on May 11, 2026 for the March 31, 2026 10-Q creates a near-term reporting-process risk until the delayed filing is completed.
Momentum
62
Value
64
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $14.75 · Bull $16.75 · Bear $12.25
Earnings
2026-07-23
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-15 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $17.00
Why
Momentum62 · Δ7d -
Value64 · Δ7d -0.1
Sentiment51 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
62
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
64
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.0
Sentiment
51
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 62.2 / Value 64.0 / Sentiment 51.5
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$222.82M
Beta
0.67
Shares Out
14.89M
P/E (TTM)
9.1
P/S (TTM)
2.32
P/FCF (TTM)
12.33
Rev YoY
+7.5%
EPS YoY
+31.2%
Gross Margin
-
Op Margin
+35.4%
Net Debt
$99.85M
Current Ratio
0.08
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology