2023: OP Bancorp Offers Attractive Investment Opportunities with Low Concentration of Large Depositors and Variable Rate Loans.
March 25, 2023
Trending News ☀️
OP ($NASDAQ:OPBK) Bancorp is an attractive investment opportunity for those looking for a safe, secure, and profitable way to invest their money. The bank offers a good price and has a low concentration of large depositors. This means that the bank is less vulnerable to the risks posed by large depositors who may suddenly withdraw their funds. This allows the bank to take advantage of fluctuating interest rates and maintain the profitability of the business. The combination of these factors makes OP Bancorp an attractive option for investors looking for a low-risk investment.
Overall, OP Bancorp is well-positioned for success in the future, offering investors an opportunity to invest their money with confidence. With a low concentration of large depositors, and a considerable portion of loans on a variable rate schedule, investors can expect to see returns from their investments in the coming years. As the economy continues to recover, OP Bancorp will remain well-positioned to offer attractive investment opportunities to its customers and remain profitable well into the future.
Market Price
On Wednesday, OP Bancorp opened at $9.6 and closed at $9.6, up by 0.8% from its previous closing price of $9.6. This is indicative of the mostly positive news coverage the company has been receiving in preparation for 2023, when the company is positioning itself to offer attractive investment opportunities. The company is also working to improve its standing among investors through strategic partnerships, financial reporting, and transparency in order to ensure a secure and well-rounded portfolio. Overall, the future looks bright for OP Bancorp as it continues to explore opportunities to position itself as a strong and reliable source of investment for those seeking higher returns. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Op Bancorp. More…
| Total Revenues | Net Income | Net Margin |
| – | 33.31 | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Op Bancorp. More…
| Operations | Investing | Financing |
| -28.28 | -286.04 | 323.47 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Op Bancorp. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 2.09k | 1.92k | – |
Key Ratios Snapshot
Some of the financial key ratios for Op Bancorp are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 19.3% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
Analysis
At GoodWhale, we have conducted an analysis of OP BANCORP‘s fundamentals. According to our Star Chart, OP BANCORP is classified as a ‘cheetah’ – a company that has achieved high revenue or earnings growth, but is considered less stable due to lower profitability. This suggests that investors may be interested in the company due to its potential for growth, but may be wary of its sustainability. To that end, we have assigned OP BANCORP a health score of 9/10 with regard to its cashflows and debt, indicating that it is capable of sustaining future operations in times of crisis. In terms of our overall assessment, OP BANCORP is strong in growth, assets, and dividends, and medium in profitability. Thus, investors who are willing to take on some risk may find this company attractive due to its potential upside. More…
Peers
OP Bancorp‘s competitors include Primis Financial Corp, Investar Holding Corp, and The Community Financial Corp.
– Primis Financial Corp ($NASDAQ:FRST)
Primis Financial Corp is a specialty finance company that provides financing solutions to small and medium-sized businesses in the United States. The company has a market cap of 317.74M as of 2022. Primis offers a variety of financing products, including working capital loans, equipment loans, and lines of credit. The company also provides merchant cash advances and invoice factoring services.
– Investar Holding Corp ($NASDAQ:ISTR)
As of 2022, Investar Holding Corp has a market cap of 213.27M. The company is a holding company that operates through its subsidiaries in the financial services industry. Its subsidiaries include Investar Bank, which offers commercial banking services; and Investar Mortgage, which offers mortgage banking services.
– The Community Financial Corp ($NASDAQ:TCFC)
The Community Financial Corp is a bank holding company that operates through its subsidiaries. The company provides banking and financial services to individuals and businesses in the United States. It offers a range of deposit products, including checking and savings accounts, money market accounts, and certificates of deposit. The company also provides loans, including home equity loans, auto loans, and personal loans. In addition, it offers credit cards, online banking, and mobile banking services. The Community Financial Corp has a market cap of 213.35M as of 2022.
Summary
OP Bancorp has emerged as an attractive investment opportunity as it offers a low concentration of large depositors and variable rate loans. News coverage has been mainly positive, and investors are encouraged to take advantage of the company’s low cost structure and wide array of products. OP Bancorp’s diverse portfolio of services encompasses asset management, commercial lending, and personal deposits.
In addition, the company has strong liquidity and capital ratios, which provide further assurance of stability. Furthermore, the firm has been actively diversifying its loan portfolio while maintaining a strong credit rating. The combination of competitive interest rates, low costs and a diversified portfolio make OP Bancorp a sound choice for long-term investing.
