ScoreComparison
Why is OP Bancorp ?
1
High Profitability with a Net Interest Margin of 10.48%
2
Strong Long Term Fundamental Strength with a 10.05% CAGR growth in Net Profits
3
Flat results in Jun 25
- CASH AND EQV(HY) Lowest at USD 215.45 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 91.88%
4
With ROA of 0.52%, it has a fair valuation with a 0.87 Price to Book Value
- Over the past year, while the stock has generated a return of -22.15%, its profits have fallen by -0.7% ; the PEG ratio of the company is 8.7
5
High Institutional Holdings at 70.82%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -22.15% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
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
-22.96%
1.08
37.68%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.14%
EBIT Growth (5y)
11.41%
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
34.50%
Pledged Shares
0
Institutional Holding
70.82%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.87
EV to EBIT
1.44
EV to EBITDA
1.37
EV to Capital Employed
0.60
EV to Sales
0.29
PEG Ratio
8.70
Dividend Yield
NA
ROCE (Latest)
41.82%
ROE (Latest)
10.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 19.72 MM
NET SALES(Q)
Highest at USD 37.66 MM
OPERATING PROFIT(Q)
Highest at USD 8.45 MM
OPERATING PROFIT MARGIN(Q)
Highest at 22.42 %
PRE-TAX PROFIT(Q)
Highest at USD 8.45 MM
NET PROFIT(Q)
Highest at USD 6.28 MM
EPS(Q)
Highest at USD 0.42
-2What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 215.45 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 91.88%
Here's what is working for OP Bancorp
NII
Highest at USD 19.72 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 37.66 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 8.45 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 22.42 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 8.45 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 6.28 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.42
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
Cash and Eqv
Lowest at USD 215.45 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 91.88%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 11.01%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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