What is OP Bancorp worth?
With the base-case assumptions below, a discounted cash flow model on OP Bancorp's reported free cash flow gives $63.52 per share. The share price was $15.18 on September 25, 2026, 76% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $43.20 | +185% |
| Base | 15.0% | 9.0% | $63.52 | +318% |
| Bull | 20.0% | 8.0% | $101.35 | +568% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $78.90 | $83.70 | $89.56 | $96.89 | $106.31 |
| 8.0% | $67.35 | $70.46 | $74.13 | $78.55 | $83.94 |
| 9.0% | $58.94 | $61.07 | $63.52 | $66.38 | $69.77 |
| 10.0% | $52.57 | $54.08 | $55.79 | $57.75 | $60.01 |
| 11.0% | $47.58 | $48.69 | $49.92 | $51.32 | $52.90 |
Where the presets come from
Base: years 1 to 5 grow at OP Bancorp's revenue growth rate over the last 5 fiscal years (17.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions