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Stock Ratings / Financials / OPBK / earnings
INBK (43) MRBK (61) GBFH (46) CFBK (66) ⌘ Pro Terminal →

OP Bancorp (OPBK) Next Earnings Date & Expected ±4.7% Move

$15.33 +1.66% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.35

OP Bancorp (OPBK) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $225.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OPBK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OPBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, OP Bancorp (NASDAQ: OPBK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $15.33 (+1.66% 1D, market cap $225.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, OPBK ranks #319 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OPBK compare to INBK and MRBK in the Financials sector?
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Within the Financials sector (Major Banks), OPBK carries a Roarable C (63/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 11.2%. By comparison, INBK (First Internet Bancorp) holds a D- grade (43/100 RQD, P/E N/A, ROIC -9.8%, cap $225.4M) and MRBK (Meridian Corporation) posts a C- grade (61/100 RQD, P/E 10.4x, ROIC 10.9%, cap $223.1M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OPBK?
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Per OPBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001722010), OP Bancorp generated $3.2M in revenue (-1.7% YoY), $25.6M in net income, and $23.4M in free cash flow against $2.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $15.35 (+0.11%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 729.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- · Rk C+
Cash (11)Whales (9)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.2% Base Target
$18 Bull$16 Base$12 Bear
📬 FREE OPBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OPBK)Realized 20D OHLCV Swing Band: ±4.7%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY OPBK SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (22% of score)

FRED Regime × Technicals: 66% of 52W Range • RSI-14 at 50 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$15.03-2.1% Next Q
Q2 (-2Q)
58
Grade C$14.72+2.1% Next Q
Q3 (-1Q)
60
Grade C$15.03+2% Next Q
Current
63
Grade C$15.33+0.9% Hist 90D α
Trajectory: C (55) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OPBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, OPBK faces multiple-compression risk if 9.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($15.13) or 200D SMA ($14.51) invalidates the momentum regime and cuts Target Base ($15.67) toward Bear Floor ($12.22).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OPBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “OPBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 63%NO 37%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±4.7% Swing Band

±$0.72 Expected Swing
$14.61 (-4.7%)Spot $15.33$16.05 (+4.7%)
MODEL EARNINGS SETUP GAUGE

OPBK Quantitative Pre-Earnings Setup: 63/100

Trailing EPS: $1.72 • YoY Revenue Growth: -1.7%

Model Bullish Setup (63/100)Model Risk Weight (37/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$3.2M$25.6M$23.4M52%
FY 20242024-12-31$3.3M$21.1M$29.7M52%
FY 20232023-12-31$2.1M$23.9M$67.8M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating OPBK & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on OPBK
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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OPBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.68%⚡ TESTING RESISTANCE
2026-11-03O $15.44H $15.44L $15.08C $15.33VOL 19.9K
RES: $15.44SUP: $14.35SMA50: $15.13SMA200: $14.51
$17.06$16.12$15.17$14.23$13.29RES $15.44SUP $14.35$15.332026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OPBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OPBK Butterfly Map → + Track OPBK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-3.2%/yr Implied 5Y Growth

vs. -1.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on OPBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OPBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OPBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OPBK)

Financials Rank #319 of 1097 ⚔️ INBK vs OPBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (OPBK vs. INBK, MRBK, GBFH, CFBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, OP Bancorp (OPBK) ranks #319 by composite RQD confidence (63/100, grade C) and #865 by equity capitalization ($225.2M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while GBFH leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. CFBK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with OPBK at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
OPBK ACTIVE
OP Bancorp
C 63/100 9.0x — 11.2% +1.66% $225.2M Benchmark Subject
INBK
First Internet Bancorp
D- 43/100 — — -9.8% +4.03% $225.4M /inbk-vs-opbk →
MRBK
Meridian Corporation
C- 61/100 10.4x — 10.9% -0.69% $223.1M /mrbk-vs-opbk →
GBFH
GBank Financial Holdings Inc.
D 46/100 10.6x — 12.6% +1.06% $220.1M /gbfh-vs-opbk →
CFBK
CF Bankshares Inc.
C+ 66/100 12.7x — 9.5% +2.49% $219.1M /cfbk-vs-opbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001722010 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OP Bancorp (OPBK) reported GAAP revenue of $3.2M (-1.7% vs. FY2024 revenue of $3.3M , and +50.9% cumulative change since FY2023) , GAAP net income of $25.6M, operating cash flow of $26.2M, and free cash flow of $23.4M (-21.3% YoY). On the balance sheet, OPBK closed FY2025 with $2.65B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $3.2M $25.6M $26.2M $23.4M $2.65B —
FY2024 (FY) 2024-12-31 $3.3M $21.1M $31.2M $29.7M $2.37B —
FY2023 (FY) 2023-12-31 $2.1M $23.9M $67.8M $67.8M — —

3. OPBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OPBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, OP Bancorp (NASDAQ: OPBK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $15.33 (+1.66% 1D, market cap $225.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, OPBK ranks #319 in composite RQD confidence.

How does OPBK compare to INBK and MRBK in the Financials sector?

Within the Financials sector (Major Banks), OPBK carries a Roarable C (63/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 11.2%. By comparison, INBK (First Internet Bancorp) holds a D- grade (43/100 RQD, P/E N/A, ROIC -9.8%, cap $225.4M) and MRBK (Meridian Corporation) posts a C- grade (61/100 RQD, P/E 10.4x, ROIC 10.9%, cap $223.1M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OPBK?

Per OPBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001722010), OP Bancorp generated $3.2M in revenue (-1.7% YoY), $25.6M in net income, and $23.4M in free cash flow against $2.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OPBK trading relative to its 50-day, 200-day, and 52-week technical levels?

OPBK last traded at $15.33 (+1.66% on volume of 48,808 shares), positioning the stock +1.32% above its 50-day simple moving average ($15.13) and +5.65% above its 200-day simple moving average ($14.51). Across its 52-week range of $12.41 to $16.83, OPBK sits at the 66.1% percentile with a 14-day RSI of 50.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($14.61 to $16.05).

Direct Sub-Reports: OPBK RQD Cockpit OPBK 12M Forecast OPBK Earnings & Move OPBK Dividends & DRIP OPBK Insiders & 13F OPBK Whale Options OPBK Profit Sankey OPBK News & Why
ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

OPBK — OP Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

OP Bancorp (OPBK) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $15.33 (+1.66% 1D, market capitalization $225.2M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 11.2%, gross margin of —, operating margin of —, and free cash flow yield of 10.13%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

OP Bancorp is a NASDAQ-listed issuer classified under Financials in the Major Banks industry. The profile describes it as operating in Major Banks with a market capitalization of $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), OP Bancorp (OPBK) reported $3.2M in annual revenue (up from $3.3M in FY2024, -1.7% YoY) and $25.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.1M revenue, $23.9M net income) through FY2025, OPBK scaled operating cash flow to $26.2M and free cash flow to $23.4M, backed by $2.65B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 63/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 10.13% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $12.41 – $16.83 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 9.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source does not identify upstream or downstream dependencies, sector correlations, or second-order bottlenecks for OPBK.

  • Key Question #1: Can OPBK sustain or expand its — operating margin and 11.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.2M and free cash flow of $23.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is OPBK's 8.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

OPBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for OP Bancorp (OPBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to OPBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OPBK Bull vs. Bear Conversation Board — What's Your Call at $15.33?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OPBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on OPBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $19.75 (+31.0%)
📌 Pinned Debate

Insider and institutional flow signals (16/20 and 12/20 pillars) plus a 10.13% FCF yield and 8.4x forward P/E point to valuation suppor

Don't sleep on OPBK's setup in Financials. Insider and institutional flow signals (16/20 and 12/20 pillars) plus a 10.13% FCF yield and 8.4x forward P/E point to valuation support.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (63/100) backs up the fundamental quality.

EarningsSniper 🐂 BULL

Both sides have a point here — OPBK's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $11.76 (-22.0%)
Spot @ $15.08

Reported Q3 margin compression and earnings lagging estimates, with a weak 11/20 cash-engine score and missing debt and EPS data, weigh

Sitting on the sidelines or leaning short OPBK above $15.08. Reported Q3 margin compression and earnings lagging estimates, with a weak 11/20 cash-engine score and missing debt and EPS data, weigh against the thesis.. Until Fundamental Cash Engine (11/20) and FCF yield (10.13%) inflect higher, upside is capped near $16.83.

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