OP Bancorp cash flow to debt ratio of 21.45% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

OP Bancorp's free cash flow has decreased 21.56% from $29.78M last year to $23.36M, signaling decreasing performance

OP Bancorp's debt to equity ratio is 0.46, which means that the company's assets are healthy financed, signaling financial stability.

OP Bancorp's debt has decreased relative to shareholder equity from 0.50 last year to 0.46 today, signaling strengthened financials

OP Bancorp has a net cash position, so leverage is healthy.

OP Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

OP Bancorp's profit margin has increased (23.33%) in the last year from 13.68% to 16.87%, signaling increasing performance

OP Bancorp's short-term assets of $21.39M exceed its short-term liabilities of $11.18M

OP Bancorp's return on assets of 1.06% is lower than the 5.00% threshold, indicating inefficient asset utilization

OP Bancorp's return on equity of 12.59%, is lower than 15.00%, indicating bad performance

OP Bancorp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

OP Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

OP Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

OP Bancorp has a free cash flow yield of 10.03%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

OP Bancorp's yearly earnings has increased 21.77% since last year from $21.07M to $25.66M, signaling increasing performance

OP Bancorp's yearly revenue has decreased 100.00% since last year from $154.05M to $0.00, signaling decreasing performance

ROIC 1.06% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

OP Bancorp's 3-year revenue CAGR of 16.34% is positive, indicating growing revenue over the past 3 years

OP Bancorp had revenue growth in 5 out of 5 years, indicating consistent revenue performance

OP Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

OP Bancorp has insufficient data to evaluate this check.

OP Bancorp has an earnings yield of 12.44%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

OP Bancorp is undervalued relative to its fair value price of 40.98 based on EBITDA multiple model

OP Bancorp has insufficient data to compute enterprise value.

OP Bancorp is undervalued relative to its fair value price of 48.23 based on Earnings Fair Value model

OP Bancorp has a PEG-ratio under 1 which is considered undervalued

OP Bancorp has a price-to-book ratio of 0.98x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

OP Bancorp has a price-to-sales ratio of 1.36x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue