ScoreComparison
Why is OP Bancorp ?
1
High Profitability with a Net Interest Margin of 10.98%
2
Strong Long Term Fundamental Strength with a 14.47% CAGR growth in Net Profits
3
Positive results in Dec 25
- NII(Q) Highest at USD 20.86 MM
- NET PROFIT(Q) Highest at USD 7.06 MM
- NET SALES(Q) Highest at USD 39.28 MM
4
With ROA of 0.52%, it has a very attractive valuation with a 0.86 Price to Book Value
- Over the past year, while the stock has generated a return of 0.08%, its profits have risen by 23.4% ; the PEG ratio of the company is 0.3
5
High Institutional Holdings at 71.14%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.57% over the previous quarter.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 0.08% in the last 1 year, much lower than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to OP Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is OP Bancorp for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
OP Bancorp
3.69%
0.89
33.68%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.88%
EBIT Growth (5y)
12.67%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.91%
Pledged Shares
0
Institutional Holding
71.14%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.86
EV to EBIT
2.91
EV to EBITDA
2.81
EV to Capital Employed
0.75
EV to Sales
0.66
PEG Ratio
0.34
Dividend Yield
NA
ROCE (Latest)
25.99%
ROE (Latest)
11.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 20.86 MM
NET PROFIT(Q)
Highest at USD 7.06 MM
NET SALES(Q)
Highest at USD 39.28 MM
EPS(Q)
Highest at USD 0.47
-3What is not working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 21.84 MM
Here's what is working for OP Bancorp
NII
Highest at USD 20.86 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
Highest at USD 7.06 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 39.28 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 0.47
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for OP Bancorp
Non Performing Loans (%)
Highest at 0.64%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 21.84 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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