OP Bancorp reported revenue of $135.8 million last year. The net income stood at $23.44 million, with earnings before interest, taxes, depreciation, and amortization (EBITDA) of $91.55 million. The company's profit margin is 0.28%, indicating that even a minor decrease in revenue could lead to a net loss, which is considerably below average. Additionally, it has an operating margin of 0.42%, implying that for every $100 in sales, it generates a net operating income of $0.42.
Key Points
OP Bancorp (OPBK) has shown a promising performance in the banking industry, with a market capitalization of
142.4M and an enterprise value of
115.6M. Despite a quarterly revenue growth reported as a loss of 14%, the company has managed to maintain a positive net income of
23.4M. The bank's return on equity stands at 11.42%, indicating a decent profitability level. However, investors should be cautious due to the company's high mean deviation of 1.17 and a negative Treynor Ratio of -0.09, which suggest potential risk and volatility.
What are the odds of OP Bancorp to slide in July?
The performance of OP Bancorp in the marketplace will significantly impact your decision to invest in its stock. Revenue growth, profitability, competitive positioning, management quality, and industry trends can influence OP Bancorp's
stock prices. When investing in OP Bancorp, there are several factors to consider and potential outcomes to expect. As a company performs well, its stock price may increase, allowing investors to benefit from price appreciation. However, OPBK Stock can experience significant price fluctuations due to market conditions, economic factors, industry trends, or company-specific news. This is why investing in stocks such as OP Bancorp carries risks, including the potential for capital loss. Stock prices can decline, and investors may incur losses if they sell shares at a lower price than their initial investment.
And What about dividends?
A dividend is the distribution of a portion of OP Bancorp earnings, decided and managed by the company's board of directors and paid to a class of its shareholders. Note, announcements of dividend payouts are generally accompanied by a proportional increase or decrease in a company's stock price. OP Bancorp dividend payments follow a chronological order of events, and the associated dates are important to determine the shareholders who qualify for receiving the dividend payment. OPBK one year expected dividend income is about USD0.24 per share.
The value of
Dividends Paid is estimated to slide to about 4.9
M. The value of
Dividend Yield is estimated to slide to 0.03.
Investing in dividend-paying stocks, such as OP Bancorp is one of the few strategies that are good for long-term investment. Ex-dividend dates are significant because investors in OP Bancorp must own a stock before its ex-dividend date to receive its next dividend.
This type of analysis is very useful when you want to generate a past dividend schedule and payout information for OP Bancorp. Then that information in the form of graph and calendar can be used to fully explain how Du Pont dividends can provide a real clue to its valuation.
How important is OP Bancorp's Liquidity
OP Bancorp
financial leverage refers to using borrowed capital as a funding source to finance OP Bancorp ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. OP Bancorp financial leverage is typically calculated by taking the company's all interest-bearing debt and dividing it by total capital. So the higher the debt-to-capital ratio (i.e., financial leverage), the riskier the company. Financial leverage can amplify the potential profits to OP Bancorp's owners, but it also increases the potential losses and risk of financial distress, including bankruptcy, if the firm cannot cover its debt costs. The degree of OP Bancorp's financial leverage can be measured in several ways, including by ratios such as the debt-to-equity ratio (total debt / total equity), equity multiplier (total assets / total equity), or the debt ratio (total debt / total assets). Please check the
breakdown between OP Bancorp's total debt and its cash.
OP Bancorp Gross Profit
OP Bancorp Gross Profit growth is one of the most critical measures in evaluating the company. The Gross Profit growth rate is calculated simply by comparing OP Bancorp previous period's values with its current period's values. Each time period you're measuring should be of equal lengths the increase or decrease, in a company's Gross Profit between two periods. Here we show OP Bancorp Gross Profit growth over the last 10 years. Please check OP Bancorp's
gross profit and other
fundamental indicators for more details.
Breaking down OP Bancorp Further
The
market capitalization of OP Bancorp is $142.38 Million. Over half of OP Bancorp's outstanding shares are owned by
institutions. These institutions are typically referred to as corporate investors that secure positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial
debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company sooner or later.
Ownership Breakdown
| Retail Investors18.94% | Insiders25.66% | Institutions55.4% |
| Retail Investors | 18.94 |
| Insiders | 25.66 |
| Institutions | 55.4 |
"As every investor knows, past performance is no guarantee of future results, but it can provide valuable insights. Despite a challenging quarter with a revenue growth decline of 14%, OP Bancorp's stock (OPBK.US) shows promising signs for July. The Wall Street target price stands at $12.25, suggesting a potential upside of 2.24 from the current typical day price of $9.45. The company's strong cash flow from operations at $20.86M, coupled with a relatively low beta of 0.66, indicates stability amidst market volatility. However, investors should be cautious of the 44.89% probability of bankruptcy and monitor the situation closely.".
Will OPBK pull back in July 2024?
OP Bancorp (OPBK) has recently seen a decrease in standard deviation to 1.68, hinting at a possible reduction in volatility. This might indicate a more stable trading environment for the stock, but it could also suggest limited significant price movements in the near term. Consequently, investors should exercise caution as this decreased volatility might lead to a dip in OPBK's stock price in July 2024. It's essential to keep a close eye on market conditions and company fundamentals before making any investment decisions. As of June 27, OP Bancorp's market risk adjusted performance stood at -0.08, with an Information Ratio of -0.04. The technical analysis model, linked with fundamental indicators, facilitates the timely examination of OP Bancorp's technical drivers and their interrelationships.
Our Final Perspective on OP Bancorp
When is the right time to buy or sell OP Bancorp? Buying stocks such as OP Bancorp isn't very hard. However, what challenging for most investors is doing it at the right time. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities, deliver winning trades and diversify portfolios on a daily basis.
The bottom line, as of the 27th of June 2024, we believe that at this point, OP Bancorp is not too volatile with
low odds of financial distress within the next 2 years. From a slightly different point of view, the entity appears to be
undervalued. Our latest 90 days buy vs. sell advice on the company is
Cautious Hold.
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Nico Santiago is a PR Contributor to Macroaxis Editorial Board. Nico is a relatively new author here at Macroaxis and he likes to work on advertising and sponsored content and marketing for the company. Nico spends most of his time surfing when the weather is nice and he spends the rest of the year writing for various blogs and companies, as he works on his upcoming books, The Rise of the Financial Machines and Time Series Modelling with AI.
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