B+
Bull case
25%
Probability
Target price
$19.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
OPBK
OP BancorpBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Q2 results showed year-over-year profit growth, continued balance-sheet expansion, low charge-offs, improving efficiency, and strong capital. The stock remains below book value, while the packet records a $17.75 median target.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
CRE and nonaccrual-loan performance could deteriorate, reversing recent credit benefits.
Momentum
62
Value
64
Sentiment
71
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $17.25 · Bull $19.00 · Bear $14.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-11
Investment thesis
As of 2026-09-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $17.75
Why
Momentum62 · Δ7d -
Value64 · Δ7d -0.0
Sentiment71 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite.
Contradictions & invalidation
- • CRE and nonaccrual-loan performance could deteriorate, reversing recent credit benefits.
- • Coverage is thin, with no reliable packet-level consensus count or detailed post-print estimate history.
- • The earnings improvement was aided by a $149 thousand provision reversal tied to a previously reserved nonaccrual CRE loan, while NIM declined to 3.08% and lower loan yields remain a headwind.
Catalyst clock
2026-10-26
Subsequent quarters must validate growth without renewed margin pressure
Lead driver: Sentiment · See AI snapshot
Momentum
62
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
+0.0
Sentiment
71
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 62.2 / Value 64.0 / Sentiment 70.7
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$17.25
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$14.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$231.9M
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 2026-09-11 • Updated nightlySource: Internal modelMethods & Data