OP Bancorp

OPBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET

15.03+0.16 (1.08%)

2026-11-12 00:29 CET

Market cap

222.05 USD m

Revenue, TTM

- USD m

Net income, TTM

30.03 USD m

Free cash flow, TTM

30.29 USD m

EPS diluted, TTM

2.01

P/E

7.47

Compare

Price

OPBK against its 20, 50 and 200-day averages

2050200beat

10.7% under the 52-week high of 16.83 on 3 Aug 2026. 52-week low 12.41 on 20 Mar 2026. Last 15 sessions, 9.4% high to low

Volume 0.32× normal · the line is the 50-bar volume average

Profile

OPBK

52-week range, 59% of the way up

12.4116.83

OP Bancorp operates as a bank holding company, which engages in the provision of general commercial banking services through its subsidiary. It offers deposit, lending, online banking, cash management, e-statements, mobile banking, zelle, and wire transfer services. The firm serves the small- and medium-sized businesses, professionals, and residents primarily Korean and other ethnic minority communities. The company was founded on June 10, 2005 and is headquartered in Los Angeles, CA.

Index	RUT
Employees	249
IPO	Jul 22, 2005
Beta	0.63
ATR, 14d	0.37
Rel volume	0.32
Short float	0.92%
Insider own	19.90%
Inst own	63.68%

Snapshot

6 groups

Valuation

Index	RUT
Market Cap	224.44M
Enterprise Value	-
Income	30.03M
Sales	175.66M
Book/sh	16.07
Cash/sh	-
Dividend Est.	0.56 (3.73%)
Dividend TTM	0.54 (3.59%)
Dividend Ex-Date	Nov 05, 2026
Dividend Gr. 3/5Y	2.94% 11.38%
Payout	27.91%
Employees	249
IPO	Jul 22, 2005

Ratios

P/E	7.47
Forward P/E	7.29
PEG	0.88
P/S	1.28
P/B	0.94
P/C	-
P/FCF	7.41
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.10
Debt/Eq	0.46
LT Debt/Eq	0.46
Option/Short	Yes / Yes

Earnings

EPS (ttm)	2.01
EPS next Y	2.06
EPS next Q	0.51
EPS this Y	18.08%
EPS next Y	1.57%
EPS next 5Y	8.24%
EPS past 3/5Y	-7.04% 15.15%
Sales past 3/5Y	16.16% 20.95%
EPS Y/Y TTM	28.18%
Sales Y/Y TTM	7.48%
EPS Q/Q	15.54%
Sales Q/Q	9.18%
Earnings	Oct 22 AMC
EPS/Sales Surpr.	5.05% 3.78%

Ownership

Insider Own	19.90%
Insider Trans	-0.73%
Inst Own	63.68%
Inst Trans	3.91%
ROA	1.11%
ROE	13.02%
ROIC	8.60%
Gross Margin	-
Oper. Margin	23.27%
Profit Margin	17.10%
SMA20	0.39%
SMA50	-0.57%
SMA200	3.41%
Trades	-

Technical

Shs Outstand	14.93M
Shs Float	11.96M
Short Float	0.92%
Short Ratio	2.58
Short Interest	0.11M
52W High	16.83 -10.70%
52W Low	12.41 21.11%
Volatility	2.80% 2.50%
ATR (14)	0.37
RSI (14)	49.96
Beta	0.63
Rel Volume	0.32
Avg Volume	42.81K
Volume	13,550

Performance

Perf Week	-2.40%
Perf Month	0.00%
Perf Quarter	-4.51%
Perf Half Y	7.74%
Perf YTD	6.44%
Perf Year	14.04%
Perf 3Y	77.03%
Perf 5Y	19.86%
Perf 10Y	139.71%
Recom	1.00
Target Price	17.75
Prev Close	14.87
Price	15.03
Change %	1.08%

Analyst ratings

latest 2 of 2

Date	Action	Analyst	Rating change	Target	Implied
Jun 03, 2022	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$18.50 → $15	-0.2%
Feb 08, 2021	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform	$9.50 → $11	-26.8%

Date

Action

Analyst

Rating change

Target

Implied

Jun 03, 2022

Downgrade

KKeefe Bruyette

Outperform → Mkt Perform

$18.50 → $15

-0.2%

Feb 08, 2021

Upgrade

KKeefe Bruyette

Mkt Perform → Outperform

$9.50 → $11

-26.8%

Peers

Mkt cap

Ticker	Company	Mkt cap
PCB	PCB Bancorp	421.15M
HAFC	Hanmi Financial Corp	960.37M
HOPE	Hope Bancorp Inc	1.68B
RBB	RBB Bancorp	434.54M
MCBS	MetroCity Bankshares Inc	1.04B
PFBC	Preferred Bank (Los Angeles, CA)	1.22B
CATY	Cathay General Bancorp	4.32B
EWBC	East West Bancorp Inc	17.91B
PBAM	Private Bancorp of America Inc	490.07M
BSRR	Sierra Bancorp	544.84M

Ticker

Company

Mkt cap

PCB

PCB Bancorp

421.15M

HAFC

Hanmi Financial Corp

960.37M

HOPE

Hope Bancorp Inc

1.68B

RBB

RBB Bancorp

434.54M

MCBS

MetroCity Bankshares Inc

1.04B

PFBC

Preferred Bank (Los Angeles, CA)

1.22B

CATY

Cathay General Bancorp

4.32B

EWBC

East West Bancorp Inc

17.91B

PBAM

Private Bancorp of America Inc

490.07M

BSRR

Sierra Bancorp

544.84M

Insider trading

5 filings

Insider	Relationship	Date	Transaction	Cost	Shares	Value	Total held	Form
Oh Christine Yoon	Chief Operating Officer	Jun 10 '26	Sale	14.29	12,018	171,728	130,588	Jun 12 03:29 PM
Oh Christine Yoon	Chief Operating Officer	Jun 11 '26	Sale	14.08	8,251	116,204	122,337	Jun 12 03:29 PM
Oh Christine Yoon	Chief Operating Officer	Jun 12 '26	Sale	14.20	1,549	21,997	120,788	Jun 12 03:29 PM
Oh Christine Yoon	Officer	Jun 10 '26	Proposed Sale	14.29	25,000	357,230		Jun 10 05:42 PM
Park Jaehyun	Chief Financial Officer	Mar 12 '26	Sale	12.91	958	12,368	0	Mar 12 04:40 PM

Held by

AUM

Ticker	Company	AUM
VTI	Vanguard Morningstar Total Stock Market ETF	AUM: 687.42B
IWM	iShares Russell 2000 Index Fund	AUM: 77.38B
DFSV	US Small Cap Value Portfolio ETF Class Shares	AUM: 8.52B
AVUV	Avantis U.S. Small Cap Value ETF	AUM: 32.39B
DFAT	U.S. Targeted Value Portfolio-ETF Class Shares	AUM: 14.47B
VXF	Vanguard Extended Market Index ETF	AUM: 30.47B
IWN	iShares Russell 2000 Value ETF	AUM: 14.10B
DFAS	U.S. Small Cap Portfolio-ETF Class Shares	AUM: 15.51B
VTWO	Vanguard Russell 2000 Index ETF	AUM: 16.75B
BSVO	EA Bridgeway Omni Small-Cap Value ETF	AUM: 2.44B

Ticker

Company

AUM

VTI

Vanguard Morningstar Total Stock Market ETF

AUM: 687.42B

IWM

iShares Russell 2000 Index Fund

AUM: 77.38B

DFSV

US Small Cap Value Portfolio ETF Class Shares

AUM: 8.52B

AVUV

Avantis U.S. Small Cap Value ETF

AUM: 32.39B

DFAT

U.S. Targeted Value Portfolio-ETF Class Shares

AUM: 14.47B

VXF

Vanguard Extended Market Index ETF

AUM: 30.47B

IWN

iShares Russell 2000 Value ETF

AUM: 14.10B

DFAS

U.S. Small Cap Portfolio-ETF Class Shares

AUM: 15.51B

VTWO

Vanguard Russell 2000 Index ETF

AUM: 16.75B

BSVO

EA Bridgeway Omni Small-Cap Value ETF

AUM: 2.44B

News

latest 14 of 200

Oct-22-26 04:39PMOP Bancorp: Q3 Earnings Snapshot (Associated Press)
04:30PMOP Bancorp Reports Third Quarter 2026 Net Income of $7.8 Million, Diluted EPS of $0.52 (Business Wire)
04:30PMOP Bancorp Declares Quarterly Cash Dividend of $0.14 per Share (Business Wire)
Sep-10-26 08:00AMCommunity and Regional Banks are Choosing FIS to Accelerate Modernization (Business Wire)
Jul-23-26 04:53PMOP Bancorp: Q2 Earnings Snapshot (Associated Press) +5.88%
04:30PMOP Bancorp Reports Second Quarter 2026 Net Income of $8.0 Million, Diluted EPS of $0.53 (Business Wire)
04:30PMOP Bancorp Declares Quarterly Cash Dividend of $0.14 per Share (Business Wire)
Apr-23-26 04:36PMOP Bancorp: Q1 Earnings Snapshot (Associated Press)
04:30PMOP Bancorp Reports First Quarter 2026 Net Income of $7.2 Million, Diluted EPS of $0.48 (Business Wire)
04:30PMOP Bancorp Declares Quarterly Cash Dividend of $0.14 per Share (Business Wire)
Apr-07-26 08:20PMAre Investors Undervaluing OP Bancorp (OPBK) Right Now? (Quartz)
Jan-22-26 04:51PMOP Bancorp: Q4 Earnings Snapshot (Associated Press Finance) -5.95%
04:30PMOP Bancorp Reports Fourth Quarter 2025 Net Income of $7.1 Million, Diluted EPS of $0.47 (Business Wire)
04:30PMOP Bancorp Declares Quarterly Cash Dividend of $0.12 per Share (Business Wire)

Key figures

Revenue, TTM	-
Net income, TTM	30.03
EPS diluted, TTM	2.01
EBIT, TTM	40.87
Free cash flow, TTM	30.29
Gross margin	-%
Operating margin	23.27%
Net margin	17.10%
Market cap	222.05
P/E	7.47
Sales Y/Y, TTM	7.48%

USD millions. TTM from the statement feed.

Quarterly earnings

actual against estimate

Period	Reported	EPS act	EPS est	EPS rep	Sales act	Sales est	Analysts
2026Q3	2026-10-22	0.520	0.495	0.520	27.50	26.50	2
2026Q2	2026-07-23	0.530	0.445	0.534	25.72	25.15	2
2026Q1	2026-04-23	0.480	0.405	0.485	24.56	24.50	2
2025Q4	2026-01-22	0.470	0.485	0.473	24.28	24.85	2
2025Q3	2025-10-23	0.450	0.440	0.449	24.48	24.25	2
2025Q2	2025-07-24	0.420	0.380	0.423	23.69	22.90	2
2025Q1	2025-04-24	0.370	0.315	0.369	22.23	21.25	2
2024Q4	2025-01-23	0.330	0.360	0.330	21.35	21.60	2
2024Q3	2024-10-24	0.360	0.320	0.361	20.75	20.35	2
2024Q2	2024-07-25	0.360	0.300	0.359	20.38	19.40	1
2024Q1	2024-04-25	0.340	0.285	0.342	19.57	18.90	2
2023Q4	2024-01-25	0.340	0.360	0.338	19.91	20.30	2
2023Q3	2023-10-26	0.330	0.375	0.332	18.56	20.85	2
2023Q2	2023-07-27	0.390	0.375	0.393	20.86	20.90	2
2023Q1	2023-04-27	0.480	0.440	0.482	22.19	22.85	2
2022Q4	2023-01-26	0.510	0.575	0.515	23.42	25.40	2

Annual earnings

Period	EPS act	EPS est	EPS rep	Sales act	Sales est
2017FY	0.715	-	0.573	44.70	-
2018FY	0.890	0.885	0.889	50.29	50.25
2019FY	0.950	0.940	1.028	55.70	55.20
2020FY	0.850	0.840	0.849	56.14	55.25
2021FY	1.880	1.820	1.881	77.04	73.10
2022FY	2.140	2.195	2.141	94.53	96.50
2023FY	1.550	1.580	1.546	82.87	83.25
2024FY	1.390	1.430	1.392	82.04	82.30
2025FY	1.720	1.735	1.720	94.68	95.25
2026FY	-	2.031	-	-	104.64
2027FY	-	2.063	-	-	111.55
2028FY	-	2.181	-	-	118.42

Estimate revisions

last 14 periods

Period	Type	Date	Estimates	Up	Down	Mean	Low	High
2026Q4	S	2026-10-23	2	0	1	26.85	26.60	27.10
2026Q4	S	2026-10-22	2	1	0	27.00	26.50	27.50
2026Q4	S	2026-09-30	2	1	0	27.00	26.50	27.50
2026Q4	S	2026-07-27	2	1	0	26.85	26.50	27.20
2026Q4	S	2026-07-24	2	1	0	26.85	26.50	27.20
2026Q4	S	2026-07-08	2	1	0	26.70	26.50	26.90
2026Q4	S	2026-06-22	2	1	1	26.70	26.50	26.90
2026Q4	S	2026-04-24	2	0	2	26.50	26.50	26.50
2026Q4	S	2026-04-08	2	0	0	27.30	27.10	27.50
2026Q4	S	2026-04-01	2	1	1	27.30	27.10	27.50
2026Q4	S	2026-01-23	2	1	1	27.31	27.13	27.50
2026Q4	S	2026-01-07	2	0	0	27.35	27.10	27.60
2026Q4	S	2025-11-11	2	0	2	27.35	27.10	27.60
2026Q4	S	2025-11-10	2	0	2	27.35	27.10	27.60

Estimate history

Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
EPS, annual	0.573	0.889	1.028	0.849	1.881	2.141	1.546	1.392	1.72	2.0108
EPS, quarterly	0.361	0.33	0.369	0.423	0.449	0.473	0.485	0.534	0.519
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26
Sales, annual	49.269	59.484	70.133	64.348	80.283	106.262	135.798	154.079	166.546	175.66
Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Sales, quarterly	39.412	39.577	39.623	41.621	42.617	42.713	42.593	43.829	46.529
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26
Shares, annual	15.491	15.86	15.703	15.017	15.138	15.27	15	14.82	14.89	14.933
Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	MRQ
Shares, quarterly	14.812	14.82	14.914	14.886	14.886	14.89	14.894	14.927	14.933
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26

Income statement, annual

Currency USD, millions
Metric	TTM	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY
Interest Income	157.39	150.33	137.62	121.67	88.21	64.16	53.66	58.78	50.07
Total Interest Expense	73.73	71.98	72.01	52.98	11.30	3.13	8.29	14.51	9.11
Net Interest Income	83.66	78.35	65.61	68.69	76.91	61.03	45.36	44.27	40.96
Loan Loss Provision	2.32	3.58	2.76	1.65	2.98	0.52	5.96	1.10	1.27
Net Interest Income After Loan Loss Provision	81.34	74.77	62.85	67.04	73.94	60.50	39.40	43.17	39.69
Non-Interest Income	18.27	16.22	16.46	14.13	18.05	16.12	10.69	11.35	9.42
Non-Interest Expense	58.74	55.66	50.23	47.68	45.26	35.97	31.86	32.45	29.65
Operating Income	40.87	35.33	29.08	33.49	46.72	40.66	18.23	22.08	19.46
Unusual Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income Before Taxes	40.87	35.33	29.08	33.49	46.72	40.66	18.23	22.08	19.46
Income Taxes	10.84	9.69	8.01	9.57	13.41	11.82	5.11	5.32	5.20
Consolidated Net Income	30.03	25.64	20.69	23.44	32.61	28.51	12.93	16.37	13.83
Net Income From Continuing Operations	30.03	25.64	20.69	23.44	32.61	28.51	12.93	16.37	13.83
Net Income	30.03	25.64	20.69	23.44	32.61	28.51	12.93	16.37	13.83
EPS (Recurring)	2.01	1.72	1.39	1.55	2.14	1.88	0.85	1.03	0.89
EPS (Basic, Before Extraordinaries)	2.02	1.72	1.39	1.55	2.15	1.89	0.85	1.04	0.92
EPS (Diluted)	2.01	1.72	1.39	1.55	2.14	1.88	0.85	1.03	0.89
Non-Operating Income (Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	0.00	0.00	-0.38	-0.48	-0.70	-0.33	-0.20	-0.38	-0.42
Stock Option Compensation Expense	0.56	0.55	0.93	1.30	0.95	0.41	0.73	0.93	0.77
Price To Earnings Ratio	7.40	7.40	11.30	6.36	5.04	6.79	9.07	10.13	9.99
Price To Sales Ratio	1.28	1.26	1.53	1.22	1.60	2.41	1.82	2.36	2.32
Operating Margin	23.27	21.21	18.87	24.66	43.97	50.64	28.34	31.48	32.71
Net Margin	17.10	15.39	13.43	17.26	30.68	35.51	20.10	23.35	23.25
Shares Outstanding	14.93	14.89	14.82	15.00	15.27	15.14	15.02	15.70	15.86
Market Capitalization	222.05	222.05	234.17	164.24	169.63	193.10	116.23	162.84	140.00

Income statement, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4
Interest Income	41.38	38.19	38.54	39.28	38.52	37.66	34.86	35.05
Total Interest Expense	19.17	18.12	18.01	18.42	18.18	17.94	17.44	18.12
Net Interest Income	22.21	20.07	20.52	20.86	20.35	19.72	17.42	16.93
Loan Loss Provision	1.60	-0.15	0.41	0.46	1.18	1.21	0.74	1.55
Net Interest Income After Loan Loss Provision	20.61	20.22	20.11	20.40	19.17	18.52	16.68	15.38
Non-Interest Income	5.15	5.64	4.06	3.43	4.09	3.96	4.76	4.53
Non-Interest Expense	15.37	14.81	14.26	14.31	13.59	14.03	13.76	13.24
Operating Income	10.39	11.04	9.91	9.53	9.67	8.45	7.68	6.67
Unusual Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income Before Taxes	10.39	11.04	9.91	9.53	9.67	8.45	7.68	6.67
Income Taxes	2.63	3.06	2.68	2.47	2.97	2.11	2.12	1.70
Consolidated Net Income	7.76	7.98	7.23	7.06	6.70	6.28	5.49	4.89
Net Income From Continuing Operations	7.76	7.98	7.23	7.06	6.70	6.28	5.49	4.89
Net Income	7.76	7.98	7.23	7.06	6.70	6.28	5.49	4.89
EPS (Recurring)	0.52	0.53	0.48	0.47	0.45	0.42	0.37	0.33
EPS (Basic, Before Extraordinaries)	0.52	0.54	0.49	0.47	0.45	0.42	0.37	0.33
EPS (Diluted)	0.52	0.53	0.48	0.47	0.45	0.42	0.37	0.33
Non-Operating Income (Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	0.00	0.00	0.00	0.00	0.00	-0.05	-0.07	-0.08
Stock Option Compensation Expense	0.10	0.15	0.14	0.17	0.14	0.18	0.13	0.22
Price To Earnings Ratio	7.40	8.19	7.76	8.99	9.39	9.16	8.64	11.30
Price To Sales Ratio	1.28	1.30	1.17	1.26	1.27	1.20	1.14	1.52
Operating Margin	22.34	25.19	23.27	22.30	22.70	20.29	19.39	16.84
Net Margin	16.68	18.20	16.98	16.53	15.73	15.09	13.85	12.36
Shares Outstanding	14.93	14.93	14.89	14.89	14.89	14.89	14.91	14.82
Market Capitalization	222.05	223.26	198.05	210.18	207.21	192.89	178.04	234.17

Balance sheet, annual

Currency USD, millions
Metric	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY	2017FY
Cash & Due from Banks	10.91	134.94	91.22	82.97	115.46	106.41	86.04	77.73	63.25
Investments	395.99	206.93	212.32	266.24	250.87	133.39	67.83	63.35	61.50
Net Loans	2,165.69	1,932.06	1,743.85	1,659.05	1,297.90	1,084.38	980.09	865.42	738.88
Investment in Unconsolidated Affiliates	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Customer Liability on Acceptances	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Real Estate Assets	0.00	1.24	-	-	-	-	-	-	-
Net Property, Plant & Equipment	14.55	12.86	13.74	13.50	13.26	11.33	13.48	4.63	4.48
Interest Receivables	10.48	9.19	8.26	7.18	4.58	3.98	3.17	3.07	2.46
Deferred Tax Assets	16.71	18.25	17.76	18.84	12.94	9.24	7.16	4.72	4.33
Other Intangible Assets	40.16	53.91	65.03	51.24	36.22	22.09	25.74	26.32	27.04
Total Assets	2,654.49	2,369.37	2,152.18	2,099.02	1,731.22	1,370.83	1,183.49	1,045.24	901.95
Total Deposits	2,280.55	2,027.29	1,807.56	1,885.77	1,534.07	1,200.09	1,020.71	905.18	773.31
Total Debt	110.76	102.86	114.34	10.26	10.31	13.43	10.13	0.00	25.00
Long Term Debt	107.72	5.86	6.75	7.80	8.13	6.38	8.12	0.00	0.00
Provision for Risks Charges	7.14	7.62	11.90	8.75	4.83	2.15	0.00	0.00	0.00
Deferred Tax Liabilities	4.27	3.36	4.45	4.52	4.53	4.00	3.97	1.05	0.95
Other Liabilities	23.89	23.26	21.30	12.80	12.27	7.79	8.11	9.22	11.21
Total Liabilities	2,426.60	2,164.38	1,959.55	1,922.11	1,566.00	1,227.46	1,042.91	915.45	810.47
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	227.89	204.99	192.63	176.92	165.22	143.37	140.58	129.79	91.48
Total Shareholders Equity	227.89	204.99	192.63	176.92	165.22	143.37	140.58	129.79	91.48
Accumulated Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	227.89	204.99	192.63	176.92	165.22	143.37	140.58	129.79	91.48
Total Liabilities & Stockholders Equity	2,654.49	2,369.37	2,152.18	2,099.02	1,731.22	1,370.83	1,183.49	1,045.24	901.95
Book Value Per Share	15.31	13.83	12.84	11.59	10.91	9.55	8.95	8.18	5.91
Tangible Book Value Per Share	15.31	13.83	12.84	11.59	10.91	9.55	8.95	8.18	5.91
Tier 1 Capital	237.79	220.39	208.71	194.36	165.94	142.15	139.97	129.89	91.51
Tier 2 Capital	51.77	24.27	20.84	19.50	16.50	13.14	10.12	9.70	9.20
Full-Time Employees	249	231	222	221	193	173	168	154	129
Price to Book Ratio	0.93	1.15	0.91	1.00	1.17	0.81	1.16	1.08	-
Return on Assets	1.02	0.92	1.10	1.70	1.84	1.01	1.47	1.42	1.07
Return on Equity	11.84	10.41	12.69	19.06	18.48	9.11	12.11	12.50	10.27
Return on Invested Capital	7.64	9.81	11.76	17.65	16.45	8.64	11.01	10.66	9.70
Current Ratio	0.08	0.11	0.10	0.14	0.32	0.13	0.15	0.15	0.12

Cash flow, annual

Currency USD, millions
Metric	TTM	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY
Funds from Operations	30.38	27.85	19.10	23.45	28.42	17.55	15.00	14.88	14.66
Extraordinary Item	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	0.48	-1.69	9.56	-2.60	-3.58	8.69	-1.39	0.85	-1.66
Cash from Operating Activities	30.86	26.16	28.66	20.86	24.84	26.24	13.61	15.73	12.99
Capital Expenditures	-0.56	-2.80	-1.56	-2.18	-11.41	-98.76	-0.62	-1.74	-1.20
Net Assets From Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Sale of Fixed Assets and Businesses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Purchase or Sale of Investments	3.42	-4.39	4.21	15.79	-84.76	-63.26	-36.29	-2.19	-17.28
Purchase of Investments	-37.15	-35.11	-23.46	-8.57	-116.95	-99.20	-66.61	-16.74	-23.84
Sale Or Maturity of Investments	40.56	30.72	27.67	24.37	32.19	35.94	30.32	14.55	6.56
Other Uses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Sources	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.29	0.00
Cash from Investing Activities	-128.43	-243.01	-184.74	-28.99	-402.89	-340.57	-165.63	-114.97	-128.67
Cash Dividends Paid	-7.75	-7.13	-7.14	-7.27	-6.68	-5.13	-4.26	-3.15	0.00
Change in Capital Stock	0.01	-0.71	-2.58	-3.05	0.61	0.06	-7.72	-4.83	23.28
Repurchase of Common Pref Stock	0.01	-0.71	-2.74	-3.93	0.00	-0.03	-8.10	-5.39	0.00
Sale of Common Pref Stock	0.00	0.00	0.16	0.89	0.61	0.09	0.38	0.56	23.28
Proceedsfrom Stock Options	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	22.57
Issuance or Reduction of Debt, Net	24.57	4.57	-10.00	105.00	0.00	-5.00	5.00	0.00	-25.00
Change in Long Term Debt	4.57	4.57	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Issuance of Long Term Debt	239.57	149.57	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Reduction of Long Term Debt	-235.00	-145.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Financing Active Other Cash Flow	-0.12	-0.78	-0.20	-0.10	-0.08	-0.43	0.00	0.00	0.00
Other Financing Activities Uses	-0.12	-0.78	-0.20	-0.10	-0.08	-0.43	0.00	0.00	0.00
Cash from Financing Activities	173.73	249.22	199.80	16.37	345.56	323.47	172.39	107.56	130.15
Net Change in Cash	76.15	32.37	43.73	8.24	-32.49	9.15	20.37	8.31	14.48
Free Cash Flow	30.29	23.36	27.10	18.68	23.43	25.12	12.99	13.99	11.80
Preferred Dividends (Cash Flow)	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Free Cash Flow	9.95	12.97	11.78	14.55	10.14	9.68	13.43	15.25	11.69
Federal Home Loan Advances Increase (Decrease)	-	-0.54	-0.09	-4.04	-1.48	-0.96	-0.69	0.00	0.00

Balance sheet, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2
Cash & Due from Banks	21.91	21.81	12.84	10.91	10.93	16.59
Investments	449.67	413.03	400.78	395.99	398.74	420.05
Net Loans	2,258.99	2,230.96	2,205.85	2,165.69	2,123.92	2,045.29
Investment in Unconsolidated Affiliates	0.00	0.00	0.00	0.00	0.00	0.00
Net Property, Plant & Equipment	12.92	13.03	13.77	14.55	16.34	16.74
Interest Receivables	10.34	10.17	10.68	10.48	10.34	9.99
Deferred Tax Assets	15.05	12.46	12.42	16.71	12.10	12.63
Other Intangible Assets	40.56	42.84	42.28	40.16	41.01	41.06
Total Assets	2,809.43	2,744.31	2,698.63	2,654.49	2,614.21	2,563.59
Total Deposits	2,430.43	2,368.34	2,327.29	2,280.55	2,273.42	2,254.73
Total Debt	109.40	109.49	110.11	110.76	86.83	62.24
Long Term Debt	109.40	109.49	110.11	107.72	86.83	12.24
Provision for Risks Charges	4.73	5.29	5.50	7.14	7.39	10.02
Deferred Tax Liabilities	-	-	-	4.27	-	-
Other Liabilities	24.93	22.54	23.01	23.89	25.08	22.89
Total Liabilities	2,569.49	2,505.66	2,465.92	2,426.60	2,392.72	2,349.88
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	239.95	238.64	232.71	227.89	221.50	213.72
Total Shareholders Equity	239.95	238.64	232.71	227.89	221.50	213.72
Accumulated Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	239.95	238.64	232.71	227.89	221.50	213.72
Total Liabilities & Stockholders Equity	2,809.43	2,744.31	2,698.63	2,654.49	2,614.21	2,563.59
Book Value Per Share	16.07	15.99	15.62	15.31	14.88	14.36
Tangible Book Value Per Share	16.07	15.99	15.62	15.31	14.88	14.36
Tier 1 Capital	254.76	249.02	243.00	237.79	232.28	227.15
Tier 2 Capital	53.13	52.97	-	51.77	26.59	25.79
Full-Time Employees	-	-	-	249	-	-
Price to Book Ratio	0.93	0.96	0.87	0.95	0.97	0.92
Return on Assets	1.11	1.09	1.05	1.02	0.93	0.91
Return on Equity	13.02	12.81	12.32	11.79	10.99	10.74
Return on Invested Capital	2.22	2.29	2.11	2.10	2.17	2.78
Current Ratio	0.10	0.08	0.08	0.08	0.08	0.09

Cash flow, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2
Funds from Operations	20.82	-6.96	11.28	5.25	8.45	7.74
Extraordinary Item	0.00	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	4.57	-0.35	-3.56	-0.19	0.77	-0.14
Cash from Operating Activities	25.39	-7.31	7.72	5.06	9.21	7.61
Capital Expenditures	-0.22	-0.13	-0.11	-0.10	-0.55	-0.72
Net Assets From Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00
Sale of Fixed Assets and Businesses	0.00	0.00	0.00	0.00	0.00	0.00
Purchase or Sale of Investments	8.27	5.92	-19.56	8.79	-24.68	4.94
Purchase of Investments	-0.55	-5.00	-31.34	-0.25	-32.25	-2.58
Sale Or Maturity of Investments	8.82	10.92	11.78	9.04	7.56	7.52
Other Uses	0.00	0.00	0.00	0.00	0.00	0.00
Other Sources	0.00	0.00	0.00	0.00	0.00	0.00
Cash from Investing Activities	-17.54	-16.80	-59.69	-34.40	-89.76	-38.40
Cash Dividends Paid	-2.09	-2.08	-1.79	-1.79	-1.79	-1.78
Preferred Dividends (Cash Flow)	0.00	0.00	0.00	0.00	0.00	0.00
Change in Capital Stock	0.00	0.00	0.00	0.01	0.00	-0.71
Repurchase of Common Pref Stock	0.00	0.00	0.00	0.01	0.00	-0.71
Sale of Common Pref Stock	0.00	0.00	0.00	0.00	0.00	0.00
Proceedsfrom Stock Options	0.00	0.00	0.00	0.00	0.00	0.00
Issuance or Reduction of Debt, Net	0.00	0.00	0.00	24.57	25.00	-25.00
Change in Long Term Debt	0.00	0.00	0.00	4.57	0.00	0.00
Issuance of Long Term Debt	50.00	15.00	25.00	149.57	0.00	0.00
Reduction of Long Term Debt	-50.00	-15.00	-25.00	-145.00	0.00	0.00
Net Financing Active Other Cash Flow	0.00	-0.06	-0.03	-0.02	0.00	-0.04
Other Financing Activities Uses	0.00	-0.06	-0.03	-0.02	0.00	-0.04
Cash from Financing Activities	60.00	38.90	44.93	29.90	41.90	37.32
Net Change in Cash	67.85	14.79	-7.05	0.56	-38.64	6.53
Free Cash Flow	25.17	-7.44	7.60	4.96	8.66	6.89
Price to Free Cash Flow	9.95	35.34	9.47	12.98	19.34	12.64

Revenue breakdown

State Commercial Banks	2024: 3.26M 2025: 3.20M
United States	2024: 3.26M 2025: 3.20M

Short interest

shares short against float, oldest to newest

Settlement	Of float	Shares short	Float	Avg volume
2026-10-30	0.92%	0.1M	12.0M	45.45K
2026-10-15	1.05%	0.1M	12.0M	48.67K
2026-09-30	1.18%	0.1M	12.0M	48.38K
2026-09-15	1.52%	0.2M	11.9M	54.15K
2026-08-31	1.29%	0.2M	11.9M	52.30K
2026-08-14	1.40%	0.2M	11.9M	48.49K
2026-07-31	1.38%	0.2M	11.9M	44.44K
2026-07-15	1.31%	0.2M	11.9M	42.25K
2026-06-30	1.45%	0.2M	11.9M	43.32K
2026-06-15	1.07%	0.1M	11.9M	35.56K
2026-05-29	1.04%	0.1M	11.9M	36.64K
2026-05-15	1.00%	0.1M	11.9M	36.77K
2026-04-30	1.08%	0.1M	11.9M	36.55K
2026-04-15	1.18%	0.1M	11.9M	36.96K
2026-03-31	1.43%	0.2M	11.8M	35.88K
2026-03-13	1.53%	0.2M	11.8M	35.79K
2026-02-27	1.72%	0.2M	11.8M	38.38K
2026-02-13	1.79%	0.2M	11.8M	39.32K
2026-01-30	1.67%	0.2M	11.8M	41.22K
2026-01-15	1.75%	0.2M	11.6M	41.34K

Option chain

expiry 2026-11-20

Type	Strike	Bid	Ask	Last	IV	Open int	Delta	Theta	Vega
call	2.50	11.20	13.90	12.80	16.030	0.00	0.991	-0.016	0.001
call	5.00	9.20	11.40	10.20	9.267	0.00	0.966	-0.046	0.002
call	7.50	6.70	8.90	0.00	6.322	0.00	0.948	-0.044	0.002
call	10.00	4.40	6.40	0.00	4.388	0.00	0.852	-0.100	0.005
call	12.50	1.90	4.00	0.00	3.009	0.00	0.770	-0.082	0.007
call	15.00	0.00	2.05	0.79	0.828	1.00	0.514	-0.042	0.009
call	17.50	0.00	0.75	0.00	1.700	0.00	0.329	-0.081	0.008
call	20.00	0.00	0.75	0.00	2.312	0.00	0.269	-0.101	0.008
call	22.50	0.00	0.75	0.00	2.811	0.00	0.238	-0.113	0.007
call	25.00	0.00	0.75	0.00	3.191	0.00	0.219	-0.124	0.007
call	30.00	0.00	0.75	0.00	3.833	0.00	0.195	-0.140	0.006
put	2.50	0.00	0.75	0.00	5.907	0.00	-0.008	-0.017	0.001
put	5.00	0.00	0.75	0.00	4.783	0.00	-0.034	-0.046	0.002
put	7.50	0.00	0.20	0.00	3.042	0.00	-0.052	-0.040	0.003
put	10.00	0.00	0.75	0.00	3.300	0.00	-0.147	-0.100	0.005
put	12.50	0.00	0.75	0.00	2.038	0.00	-0.229	-0.082	0.007
put	15.00	0.00	0.75	0.00	0.776	0.00	-0.485	-0.042	0.009
put	17.50	2.10	3.20	0.00	1.682	0.00	-0.670	-0.081	0.008
put	20.00	4.60	5.70	0.00	2.294	0.00	-0.730	-0.100	0.008
put	22.50	6.90	8.40	0.00	3.045	0.00	-0.761	-0.113	0.007
put	25.00	9.40	10.90	0.00	3.459	0.00	-0.780	-0.123	0.007
put	30.00	13.90	16.30	0.00	4.663	0.00	-0.804	-0.138	0.006

Latest SEC filings

Filed	Form	Description	Period	Link
2026-11-10	SCHEDULE 13G/A			SEC
2026-11-06	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-09-30	SEC
2026-10-22	8-K	Current report	2026-10-22	SEC
2026-08-07	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-06-30	SEC
2026-07-29	SCHEDULE 13G			SEC
2026-07-23	8-K	Current report	2026-07-23	SEC
2026-07-01	4	Statement of changes in beneficial ownership of securities	2026-07-01	SEC
2026-06-25	4	Statement of changes in beneficial ownership of securities	2026-06-24	SEC
2026-06-12	4	Statement of changes in beneficial ownership of securities	2026-06-10	SEC
2026-06-10	144	Filing for proposed sale of securities under Rule 144.		SEC
2026-06-09	4	Statement of changes in beneficial ownership of securities	2026-06-08	SEC
2026-05-29	4	Statement of changes in beneficial ownership of securities	2026-05-28	SEC
2026-05-29	4	Statement of changes in beneficial ownership of securities	2026-05-28	SEC
2026-05-29	4	Statement of changes in beneficial ownership of securities	2026-05-28	SEC
2026-05-29	4	Statement of changes in beneficial ownership of securities	2026-05-28	SEC
2026-05-29	4	Statement of changes in beneficial ownership of securities	2026-05-28	SEC
2026-05-29	4	Statement of changes in beneficial ownership of securities	2026-05-28	SEC
2026-05-28	8-K	Current report	2026-05-28	SEC
2026-05-26	4	Statement of changes in beneficial ownership of securities	2026-05-26	SEC
2026-05-15	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-03-31	SEC
2026-05-11	NT 10-Q		2026-05-11	SEC
2026-04-23	8-K	Current report	2026-04-23	SEC
2026-04-16	ARS	Annual report to security holders.	2025-12-31	SEC
2026-04-16	DEF 14A	Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934	2026-05-28	SEC
2026-04-01	4	Statement of changes in beneficial ownership of securities	2026-03-31	SEC
2026-03-13	10-K	Annual report pursuant to Section 13 or 15(d)	2025-12-31	SEC
2026-03-12	4	Statement of changes in beneficial ownership of securities	2026-03-12	SEC
2026-03-03	4	Statement of changes in beneficial ownership of securities	2026-03-03	SEC
2026-03-03	4	Statement of changes in beneficial ownership of securities	2026-03-03	SEC
2026-02-24	4	Statement of changes in beneficial ownership of securities	2026-02-24	SEC

Insider activity by month

Month	Sold	Sells
2026-11	0	0
2026-10	0	0
2026-09	0	0
2026-08	0	0
2026-07	0	0
2026-06	309.93K	3
2026-05	0	0
2026-04	0	0
2026-03	12.37K	1
2026-02	0	0
2026-01	0	0
2025-12	0	0
2025-11	0	0

Institutional holders

Manager	% owned
DIVERSIFY WEALTH MANAGEMENT, LLC	12.37%
Diversify Advisory Services, LLC	12.37%
BlackRock, Inc.	6.72%
DIMENSIONAL FUND ADVISORS LP	4.81%
MANUFACTURERS LIFE INSURANCE COMPANY, THE	3.77%
VANGUARD CAPITAL MANAGEMENT LLC	3.49%
ALLIANCEBERNSTEIN L.P.	3.39%
ACADIAN ASSET MANAGEMENT LLC	2.33%
GEODE CAPITAL MANAGEMENT, LLC	1.97%
MALTESE CAPITAL MANAGEMENT LLC	1.84%

Funds

Fund	% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND	2.54%
iShares Russell 2000 ETF	2.31%
U.S. SMALL CAP VALUE PORTFOLIO	1.16%
Avantis U.S. Small Cap Value ETF	0.92%
Fidelity Small Cap Index Fund	0.92%
iShares Russell 2000 Value ETF	0.91%
VANGUARD EXTENDED MARKET INDEX FUND	0.86%
U.S. Targeted Value Portfolio	0.56%
Dimensional US Small Cap Value ETF	0.52%
Dimensional U.S. Targeted Value ETF	0.48%

Dividends

per share

Ex date	Ordinary	Special
2026-11-05	0.1400	0.0000
2026-08-06	0.1400	0.0000
2026-05-07	0.1400	0.0000
2026-02-05	0.1200	0.0000
2025-11-06	0.1200	0.0000
2025-08-07	0.1200	0.0000
2025-05-08	0.1200	0.0000
2025-02-06	0.1200	0.0000
2024-11-07	0.1200	0.0000
2024-08-08	0.1200	0.0000
2024-05-08	0.1200	0.0000
2024-02-07	0.1200	0.0000
2023-11-08	0.1200	0.0000
2023-08-09	0.1200	0.0000
2023-05-10	0.1200	0.0000
2023-02-08	0.1200	0.0000
2022-11-09	0.1200	0.0000
2022-08-10	0.1200	0.0000
2022-05-11	0.1000	0.0000
2022-02-09	0.1000	0.0000
2021-11-09	0.1000	0.0000
2021-08-04	0.1000	0.0000
2021-05-05	0.0700	0.0000
2021-02-10	0.0700	0.0000
2020-11-05	0.0700	0.0000
2020-08-05	0.0700	0.0000
2020-05-06	0.0700	0.0000
2020-02-05	0.0700	0.0000
2019-11-06	0.0500	0.0000
2019-08-08	0.0500	0.0000
2019-05-09	0.0500	0.0000
2019-02-06	0.0500	0.0000

Period	Amount	Yield	Payout	Kind
2019FY	0.2000	1.93%	19.46%	paid
2020FY	0.2800	3.64%	32.96%	paid
2021FY	0.3400	2.66%	18.07%	paid
2022FY	0.4400	3.94%	20.55%	paid
2023FY	0.4800	4.38%	31.04%	paid
2024FY	0.4800	3.04%	34.50%	paid
2025FY	0.4800	3.40%	27.91%	paid
2026FY	0.5600	3.85%	-%	estimate
2027FY	0.5600	3.85%	-%	estimate
2028FY	0.5600	3.80%	-%	estimate

OakChart. OPBK. Cached 15 minutes.