OP Bancorp
OPBK · State Commercial Banks · 14.9M shares · -1%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $3M (gross $4M, SBC $1M)
Reference price $14.20 · est. market cap ~$212M — last insider sale, 2026-06-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B70OP Bancorp — Korean-American-focused California bank with solid returns.
Strengths
- ROE 11.2% (68th pct), high net margin (90th), strong OCF (88th)
Risks
- ROA 45th average; CRE/SBA concentration
- Rate sensitivity
Notable findings
- Strong balance sheetStrong balance sheet — $167M cash & investments
- Insider sellingInsider selling — 4 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, ~$322,296, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
800.1%
Return on equity
11.2%
Return on assets
1.0%
Revenue growth (QoQ)
0.2%
Net-income growth
21.7%
Free cash flow
$23M
Tangible book value
$228M
Cash & investments
$167M
Stock comp / revenue
21.8%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-24 | OH Sang Kyo | Option exercise | 9.0K | — |
| 2026-06-12 | Oh Christine Yoon | Sell | 1.5K | $14.20 |
| 2026-06-11 | Oh Christine Yoon | Sell | 8.3K | $14.08 |
| 2026-06-10 | Oh Christine Yoon | Sell | 12K | $14.29 |
| 2026-06-08 | Park Jae H. | Tax withheld | 1.2K | $14.15 |
| 2026-06-08 | Park Jae H. | Option exercise | 3.8K | — |
| 2026-05-28 | KIM MIN | Option exercise | 3.4K | — |
| 2026-05-28 | Sohn Myung Shin | Option exercise | 2.4K | — |
| 2026-05-28 | Kim Hyung J | Option exercise | 2.4K | — |
| 2026-05-28 | Kwon Sunny | Option exercise | 2.4K | — |
| 2026-05-28 | YOON KI WON | Option exercise | 2.4K | — |
| 2026-05-28 | SHIN YONG SIN | Option exercise | 2.4K | — |
| 2026-05-26 | Oh Christine Yoon | Option exercise | 4.0K | — |
| 2026-05-26 | Oh Christine Yoon | Tax withheld | 1.3K | $14.11 |
| 2026-03-31 | Bang Jimmy M | Tax withheld | 326 | $13.30 |
| 2026-03-31 | Bang Jimmy M | Option exercise | 1.0K | — |
| 2026-03-12 | Park Jaehyun | Sell | 958 | $12.91 |
| 2026-03-03 | Park Jaehyun | Option exercise | 1.5K | — |
| 2026-03-03 | Won Wesley | Option exercise | 1.4K | — |
| 2026-03-03 | Won Wesley | Tax withheld | 542 | $13.39 |
| 2026-03-03 | Park Jaehyun | Tax withheld | 577 | $13.39 |
| 2026-02-24 | Bang Jimmy M | Option exercise | 1.9K | — |
| 2026-02-24 | Bang Jimmy M | Tax withheld | 699 | $13.28 |
| 2025-12-30 | Pak Yeong Gwon | Option exercise | 1.3K | — |
| 2025-12-30 | Pak Yeong Gwon | Tax withheld | 413 | $14.24 |
| 2025-11-20 | Won Wesley | Option exercise | 392 | — |
| 2025-11-20 | Oh Christine Yoon | Option exercise | 392 | — |
| 2025-06-26 | Kwon Sunny | Option exercise | 3.2K | — |
| 2025-06-26 | Sohn Myung Shin | Option exercise | 3.2K | — |
| 2025-06-26 | Kim Hyung J | Option exercise | 3.2K | — |
| 2025-06-26 | CHOI BRIAN | Option exercise | 4.5K | — |
| 2025-06-26 | JUNG SOO HUN | Option exercise | 3.2K | — |
| 2025-06-26 | SHIN YONG SIN | Option exercise | 3.2K | — |
| 2025-06-24 | OH Sang Kyo | Option exercise | 9.0K | $12.25 |
| 2025-06-06 | Park Jae H. | Option exercise | 3.8K | — |
| 2025-06-06 | Park Jae H. | Tax withheld | 1.3K | $12.34 |
| 2025-05-30 | Sohn Myung Shin | Buy | 1.0K | $12.36 |
| 2025-05-30 | Sohn Myung Shin | Buy | 1.0K | $12.41 |
| 2025-05-27 | Oh Christine Yoon | Tax withheld | 1.3K | $12.85 |
| 2025-05-27 | Oh Christine Yoon | Option exercise | 4.0K | — |
| 2025-02-27 | Bang Ihnsuk Jimmy | Option exercise | 18K | — |
| 2025-02-27 | Bang Ihnsuk Jimmy | Tax withheld | 6.3K | $13.39 |
| 2025-02-24 | Shin Ryan | Tax withheld | 3.7K | $13.21 |
| 2025-02-24 | Oh Christine Yoon | Option exercise | 10K | — |
| 2025-02-24 | Oh Christine Yoon | Tax withheld | 3.7K | $13.21 |
| 2025-02-24 | YOON KI WON | Option exercise | 10K | — |
| 2025-02-24 | YOON KI WON | Tax withheld | 3.7K | $13.21 |
| 2025-02-24 | Shin Ryan | Option exercise | 10K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-28 | Shareholder vote | filing ↗ |
| 2026-04-23 | ResultsReg FDOtherExhibits | filing ↗ |
| 2026-01-22 | ResultsReg FDOtherExhibits | filing ↗ |
| 2025-11-10 | Material agreementDebt obligationReg FDExhibits | filing ↗ |
| 2025-10-23 | ResultsReg FDOtherExhibits | filing ↗ |
| 2025-08-29 | OtherExhibits | filing ↗ |
| 2025-07-24 | ResultsReg FDOtherExhibits | filing ↗ |
| 2025-06-27 | Shareholder vote | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-28 | 2026-05-28 | 0001722010-26-000016 ↗ |
| 10-Q | 2026-05-15 | 2026-03-31 | 0001722010-26-000014 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001722010-26-000009 ↗ |
| 10-K | 2026-03-13 | 2025-12-31 | 0001722010-26-000002 ↗ |
| 8-K | 2026-01-22 | 2026-01-22 | 0001628280-26-003119 ↗ |
| 8-K | 2025-11-10 | 2025-11-07 | 0001722010-25-000016 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0001722010-25-000014 ↗ |
| 8-K | 2025-10-23 | 2025-10-23 | 0001722010-25-000011 ↗ |
| 8-K | 2025-08-29 | 2025-08-28 | 0001722010-25-000007 ↗ |
| 10-Q | 2025-08-11 | 2025-06-30 | 0001722010-25-000005 ↗ |
| 8-K | 2025-07-24 | 2025-07-24 | 0001628280-25-035940 ↗ |
| 8-K | 2025-06-27 | 2025-06-26 | 0001628280-25-033342 ↗ |