OP Ban (OPBK) Stock Analysis & Winston Score

OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+32.4% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

20.6%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$160M cash & investments at current burn rate

Growth context

OP Ban is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

56.7%

Premium pricing power — 56.7% gross margin

Operating Margin

23.3%

Excellent — 23.3% operating margin

ROCE

3.0%

Weak — 3.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+7.8%

Steady sales growth (7.8% YoY)

EPS YoY

+28.9%

Earnings growing fast (28.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

96%

Turns 96% of profit into real cash

FCF Margin

11.7%

Modest free cash flow (11.7%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.43

Conservative — low debt load (0.43)

Interest Cover

0.52x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

8.2x

no trend

Attractive valuation — P/E 8.2

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-0.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

3.25%

no trend

Moderate income — 3.25% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+4.2%

no trend

Dividend growing modestly (4.2% YoY)

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