What Is OP Bancorp (OPBK) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for OP Bancorp. Trading at $14.96 against an estimated intrinsic value of $34.19, 10 of 12 active models flag meaningful upside of +128.5% on average. The most optimistic model, Bayesian DCF, places fair value at $64.56 (+331.6%), while EPV — the most conservative — estimates $12.71 (-15.1%). This +346.6% gap reflects genuine analytical uncertainty about OP Bancorp's intrinsic worth.
What Do the Models Say About OPBK?
12 of 13 models are currently active for OPBK. Of these, 11 models suggest upside while 1 model suggests overvaluation. The Bayesian DCF estimates OPBK's intrinsic value at $64.56, implying +331.6% upside from the current price. See which stocks rank higher →
How Does OPBK Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, OPBK ranks #30 by Quality of Company score. CirclFi's QOC score of 8.8/10 evaluates 32 fundamental signals. A score of 8.8 places OPBK in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to banking businesses. For OP Bancorp, metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.
Is OPBK a Value Trap?
CirclFi's Value Trap algorithm assigns OPBK a score of 16/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for OP Bancorp. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, OP Bancorp scores 8.8 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +346.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every OPBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across OPBK's 12 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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