OP Bancorp (OPBK)
Runs Open Bank for community deposits and CRE, SBA, C&I, and mortgage lending.
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Operates through Open Bank, a Los Angeles-based community bank serving small and medium-sized businesses, professionals, and retail customers, with emphasis on Korean and other ethnic-minority communities. Lending centers on CRE, SBA, C&I, and home mortgages, funded by deposits and reported as a single consolidated segment.
Conducts substantially all business through Open Bank, an FDIC-insured, state-chartered commercial bank based in Los Angeles. The franchise serves small and medium-sized businesses, professionals, and retail customers, with a documented emphasis on Korean and other ethnic-minority communities.
The banking mix combines deposit accounts with commercial real estate, SBA, commercial and industrial, home-mortgage, and smaller consumer lending. Its physical footprint spans branches and loan-production offices across California and several other U.S. states.
Execution depends on relationship banking in targeted communities, deposit funding, and a loan-led balance sheet. Financial reporting is managed as a single consolidated operating segment, so product mix matters more than formal segment separation.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 28, 2026 | DA Davidson | Reiterate | Rating: —Target: $17 | Target: $18 |
| Oct 28, 2025 | DA Davidson | Reiterate | Rating: —Target: $16.50 | Target: $17 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $224.3M · Total debt $109.5M · Total assets $2.74B · Shareholders' equity $238.6M
- Revenue
- $43.8M
- Operating income
- $11.0M
- Net income
- $8.0M
HistoryDividendAnnual yield
| Institutions | 75.12% | 11.19M shares | |
|---|---|---|---|
| 100 holders · as of Jun 30, 2026 | |||
| Insiders | 20.18% | 3.01M shares | |
| 16 holders · as of Jul 1, 2026 | |||
| Other | 4.70% | 699.9K shares | |
| remainder | |||
14.89M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Diversify Advisory Services, LLCInstitution | 12.41% | 1.85M | as of Jun 30, 2026 |
Diversify Wealth Management, LLCInstitution | 12.41% | 1.85M | as of Jun 30, 2026 |
Brian Choi1Insiderdirector | 8.31% | 1.22M | filed Jun 27, 2025 |
BlackRock, Inc.Institution | 6.72% | 1.00M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.56% | 678,645 | as of Jun 30, 2026 |
- Brian Choi's own ownership statement (13G, Mar 14, 2023) plus the 19.6K net shares acquired since reports fewer shares than the transaction reports; the statement is used.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 12, 2026 | Christine Yoon Oh | officer: Chief Operating Officer | −1,549 | $14.20 |
| Jun 11, 2026 | Christine Yoon Oh | officer: Chief Operating Officer | −8,251 | $14.08 |
| Jun 10, 2026 | Christine Yoon Oh | officer: Chief Operating Officer | −12,018 | $14.29 |
| Mar 12, 2026 | Jaehyun Park | officer: Chief Financial Officer | −958 | $12.91 |
- Bank of Hope
Largest Korean-American bank and broadest direct community-bank peer
- Hanmi Financial
Second-largest Korean-American bank with close loan and deposit overlap
- PCB
Close Los Angeles Korean-American community-bank and SBA peer
- RBB
Asian-American community bank overlapping in SoCal CRE and business loans
- Cathay General Bancorp
Large Asian-American bank overlapping in CRE, SBA, mortgages, and deposits
- Preferred Bank
Los Angeles commercial bank overlapping in CRE, C&I, deposits, and trade
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| OP Bancorp | $15.37 | 0.00% | $227.7M | 7.9 | 7.6 | 1.3 | +8.6% |
| Bank of Hope | $13.78 | −0.04% | $1.77B | 13.8 | 10.6 | 1.7 | +56.3% |
| Hanmi Financial | $31.98 | 0.00% | $959.1M | 10.8 | 9.8 | 2.5 | +10.1% |
| PCB | $27.66 | +0.11% | $393.2M | 9.6 | 9.4 | 1.8 | +4.8% |
| RBB | $26.79 | −0.07% | $453.0M | 11.0 | 11.4 | 1.9 | +11.5% |
| Cathay General Bancorp | $60.70 | −0.05% | $4.12B | 12.0 | 10.6 | 3.0 | +12.5% |
| Preferred Bank | $106.29 | −0.06% | $1.26B | 9.7 | 9.9 | 2.5 | +4.0% |
| Median | 10.9 | 10.2 | 2.2 | +10.8% |