OPBK Stock Analysis: Buy, Sell, or Hold?
OPBK - OP Bancorp Common Stock
$13.30
-0.08 (-0.60%)
▼
5d:
+0.68%
30d:
-2.78%
90d:
-6.27%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
21d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: OPBK shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: OPBK shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$20.93
Based on 8.3% avg growth
INTRINSIC VALUE TODAY
$13.00
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPBK is currently trading at $13.30, which is considered fair relative to its 30-day fair value range of $12.86 to $13.56. The stock's valuation (Forward PE: 6.4) is in line with its historical norms (6.8). Remarkably, the market is currently pricing in an annual earnings decline of 2.1% over the next few years. This pessimistic expectation contrasts with the company's recent 42.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, OPBK is showing sideways momentum. The price is approaching resistance at $13.56. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OPBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $16.50 (+24.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OPBK is showing sideways momentum. The price is approaching resistance at $13.56. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OPBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $16.50 (+24.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$12.86 -
$13.56
Company Quality Score
57/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
80.8%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.1% below Wall St target ($16.50)
Fair Price Analysis
30-Day Fair Range
$12.86 -
$13.56
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$0.59
(4.4%)
Support & Resistance Levels
Support Level
$12.41
Resistance Level
$13.56
Current Trend
Sideways
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.41
Wall Street Target
$16.50
(+24.1%)
Revenue Growth (YoY)
20.3%
Earnings Growth (YoY)
42.7%
Profit Margin
28.1%
Valuation Discount vs History
-2.1% cheaper
PE vs Historical
6.4 vs 6.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.1%
(market-implied from PE analysis)
1-Year Target
$13.02
(-2%)
2-Year Target
$12.75
(-4%)
3-Year Target
$12.48
(-6%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$13.24
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 12.5%)
$65.97
(+396%)
Base:
(SPY PE: 6.4, Growth: 12.5%)
$18.92
(+42%)
Bear:
(PE: 5.4, Growth: 12.5%)
$16.08
(+21%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (7x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 7.25 | Current EPS (TTM): $1.72
Bull Case
$16.55
(+28%)
Analyst growth 20.6%, PE expands to 8.0
Base Case
$15.04
(+16%)
Market implied 20.6%, PE stable at 7.3
Bear Case
$8.48
(-34%)
Severe decline -20.0%, PE contracts to 6.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.4 to 6.8
Stabilization Target:
$14.11
(+6.1%)
PE Expansion Potential:
+6.1%
Share & Embed Analysis
Last updated: March 31, 2026 8:36 PM ET
Data refreshes hourly during market hours. Next update: 9:36 PM
Data refreshes hourly during market hours. Next update: 9:36 PM
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Technical Signals Check
Is OPBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Jaehyun Park
SELL
958 shares
2026-03-12
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