Company Analysis OP Bancorp
1. Summary
Advantages
- Price (10.04 $) is less than fair price (11.58 $)
- Dividends (4.62%) are higher than the sector average (1.74%).
- The stock's return over the last year (48.15%) is higher than the sector average (-32.48%).
- The company's current efficiency (ROE=12.42%) is higher than the sector average (ROE=5.49%)
Disadvantages
- Current debt level 9.88% has increased over 5 years from 0%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| OP Bancorp | Financials | Index | |
|---|---|---|---|
| 7 days | 6.5% | 0% | 0.8% |
| 90 days | 19.2% | -41.3% | 13.4% |
| 1 year | 48.2% | -32.5% | 38.3% |
OPBK vs Sector: OP Bancorp has outperformed the "Financials" sector by 80.63% over the past year.
OPBK vs Market: OP Bancorp has outperformed the market by 9.9% over the past year.
Stable price: OPBK is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: OPBK with weekly volatility of 0.926% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (10.04 $) is lower than the fair price (11.58 $).
Price not significantly lower than the fair price: The current price (10.04 $) is slightly lower than the fair price by 15.3%.
4.2. P/E
P/E vs Sector: The company's P/E (7) is lower than that of the sector as a whole (38.77).
P/E vs Market: The company's P/E (7) is lower than that of the market as a whole (48.12).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.8688) is higher than that of the sector as a whole (0.6876).
P/BV vs Market: The company's P/BV (0.8688) is lower than that of the market as a whole (3.1).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.23) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (1.23) is lower than that of the market as a whole (10.15).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (221.49) is higher than that of the sector as a whole (40.79).
EV/Ebitda vs Market: The company's EV/Ebitda (221.49) is higher than that of the market as a whole (18.05).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 8.47% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (8.47%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (4.63%).
5.4. ROE
ROE vs Sector: The company's ROE (12.42%) is higher than that of the sector as a whole (5.49%).
ROE vs Market: The company's ROE (12.42%) is higher than that of the market as a whole (10.88%).
5.5. ROA
ROA vs Sector: The company's ROA (1.11%) is lower than that of the sector as a whole (5.54%).
ROA vs Market: The company's ROA (1.11%) is lower than that of the market as a whole (6.5%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.62% is higher than the average for the sector '1.74%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.62% has been steadily paid over the past 7 years, DSI=0.93.
Weak dividend growth: The company's dividend yield 4.62% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (30.39%) are at a comfortable level.
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