OPBK
OP Bancorp Financial Services - Banks - Regional Investor Relations →
OP Bancorp (OPBK) closed at $15.41 as of 2026-09-18, trading 35.9% above its 200-week moving average of $11.34. The stock moved further from the line this week, up from 35.8% last week. The 14-week RSI sits at 68, indicating neutral momentum.
Trading volume is running at 1.9x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.42 ratio) is neutral — neither side is clearly dominating.
Over the past 1053 weeks of data, OPBK has crossed below its 200-week moving average 7 times. On average, these episodes lasted 54 weeks. Historically, investors who bought OPBK at the start of these episodes saw an average one-year return of +15.3%.
With a market cap of $230 million, OPBK is a small-cap stock. Return on equity stands at 12.8%. The stock trades at 1.0x book value.
Over the past 20.2 years, a hypothetical investment of $100 in OPBK would have grown to $152, compared to $862 for the S&P 500. OPBK has returned 2.1% annualized vs 11.2% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -34.3% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: OPBK vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After OPBK Crosses Below the Line?
Across 7 historical episodes, buying OPBK when it crossed below its 200-week moving average produced an average return of +21.1% after 12 months (median +41.0%), compared to +20.6% for the S&P 500 over the same periods. 86% of those episodes were profitable after one year. After 24 months, the average return was +40.1% vs +32.3% for the index.
Each line shows $100 invested at the moment OPBK crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices OPBK would reach each dislocation threshold.
Dislocation Price Levels
Prices where OPBK's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-10-22.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $14.64 | Unusually cheap — analysis point |
| Value | +1σ | $15.16 | Cheap vs. own history |
| Fair Value | +0σ | $15.72 | Historical mean behavior |
| Expensive | -1σ | $16.32 | Expensive vs. own history |
| Deep Expensive | -2σ | $16.97 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-23 | $0.45 | $0.53 | +19.1% |
| 2026-04-23 | $0.41 | $0.48 | +18.5% |
| 2026-01-22 | $0.49 | $0.47 | -3.1% |
| 2025-10-23 | $0.44 | $0.45 | +2.3% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from OPBK's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
OPBK has crossed below its 200-week MA 7 times with an average 1-year return of +15.3% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Feb 2007 | Sep 2012 | 293 | 96.2% | -56.0% | +63.7% |
| Oct 2016 | Nov 2016 | 4 | 0.3% | +49.6% | +232.6% |
| Feb 2020 | Feb 2021 | 50 | 35.7% | +8.1% | +124.8% |
| Mar 2023 | Jul 2023 | 19 | 17.0% | +13.8% | +93.1% |
| Sep 2023 | Nov 2023 | 9 | 7.8% | +41.9% | +89.6% |
| Apr 2024 | Apr 2024 | 3 | 2.7% | +20.7% | +86.4% |
| Jun 2024 | Jun 2024 | 1 | 0.1% | +29.2% | +77.5% |
| Average | 54 | — | +15.3% | — |
Frequently Asked Questions
Is OPBK below its 200-week moving average?
No. OP Bancorp (OPBK) is currently 35.9% above its 200-week moving average of $11.34. It would need to fall to $11.34 to cross below the line.
What is OPBK's 200-week moving average price?
OP Bancorp's 200-week moving average is $11.34 as of 2026-09-18. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when OPBK drops below its 200-week moving average?
OPBK has crossed below its 200-week moving average 7 times in our data. On average, buying at that moment produced a one-year return of +15.3%. These dips have historically been decent entry points. These episodes lasted 54 weeks on average.
Is OPBK a good value right now?
Here's what our data says about OPBK as of 2026-09-18: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 68. Return on equity is 12.8%. Price-to-book is 1.0x. This is not a buy or sell recommendation — always do your own research.
How does OPBK compare to the S&P 500?
Over the past 20.2 years, $100 invested in OPBK would have grown to $152, compared to $862 for the S&P 500. That's 2.1% annualized vs 11.2% for the index. OPBK has underperformed the broader market over this period.
Does OPBK pay a dividend?
Yes. OP Bancorp currently pays a dividend yield of 363.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-09-18