$15.48

+0.25 (+1.64%)

Weekly Expected Move ±2.5%

$15 $15 $15 $16 $16

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 54 · $230.6M mcap · 12M float · 0.423% daily turnover · Short 42% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

44.0 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 23.4% · 5Y Avg: -39.6%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. OPBK shows a Weak competitive edge (44.0/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 23.4% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$18

Low

$18

Avg Target

$18

High

Based on 1 analyst since Jul 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$18.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-28	D.A. Davidson	—	$17	$18	+1	+7.5%	$16.75
2025-10-28	D.A. Davidson	—	$16	$17	+0	+25.7%	$13.52
2024-10-30	D.A. Davidson	Gary Tenner	Initiated	$16	—	+9.7%	$15.04

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. OPBK receives an overall rating of A. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5), P/E (4/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-10-01	A-	A
2026-08-14	A	A-
2026-08-03	A-	A
2026-07-30	A	A-
2026-07-27	B-	A
2026-07-25	A	B-
2026-07-22	A-	A
2026-07-16	A	A-
2026-07-01	A-	A
2026-05-11	A	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 54 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. OPBK scores highest in Value (87/100) and lowest in Safety (50/100). An overall grade of A places OPBK among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.18

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✗ ✓ ✗ ✓ ✓

Beneish M-Score

-5.20

Unlikely Manipulator

Ohlson O-Score

-4.76

Bankruptcy prob: 0.8%

Low Risk

Credit Rating

Score: 74.2/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.96x

Accruals: 0.0%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. OPBK scores 2.18, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. OPBK scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. OPBK's score of -5.20 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. OPBK's implied 0.8% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. OPBK receives an estimated rating of A (score: 74.2/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). OPBK's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

7.94x

PEG

0.25x

P/S

1.34x

P/B

0.97x

P/FCF

9.51x

P/OCF

8.03x

EV/EBITDA

2.24x

EV/Revenue

0.64x

EV/EBIT

2.72x

EV/FCF

4.64x

Earnings Yield

12.94%

FCF Yield

10.51%

Shareholder Yield

3.33%

Graham Number

$26.40

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 7.9x earnings, OPBK trades at a deep value multiple. An earnings yield of 12.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $26.40 per share, suggesting a potential 71% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.722

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.234

EBIT / Rev

Asset Turnover

0.065

Rev / Assets

Equity Multiplier

11.734

Assets / Equity

ROE

12.8%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. OPBK's ROE of 12.8% is driven by financial leverage (equity multiplier: 11.73x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$74.65

Price/Value

0.20x

Margin of Safety

79.92%

Premium

-79.92%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with OPBK's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. At an intrinsic value of $74.65, OPBK appears undervalued with a 80% margin of safety. The adjusted fair P/E of 38.5x compares to the current market P/E of 7.9x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$15.48

Median 1Y

$16.21

5th Pctile

$9.11

95th Pctile

$28.88

Ann. Volatility

36.8%

Analyst Target

$18.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Sang K. Oh President and Chief Executive Officer as of December 31, 2025	$341,894	$400,007	$1,164,923
Min J. Kim President and Chief Executive Officer as of June 30, 2025	$301,449	$—	$837,089
Christine Y. Oh Executive Vice President and Chief Operating Officer	$342,971	$4,998	$502,898
Jimmy M. Bang Executive Vice President and Chief Lending Officer	$237,844	$100,001	$451,467

CEO Pay Ratio

126:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,164,923

Avg Employee Cost (SGA/emp): $9,229

Employees: 249

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

249

+7.8% YoY

Revenue / Employee

$669,317

Rev: $166,660,000

Profit / Employee

$103,032

NI: $25,655,000

SGA / Employee

$9,229

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	15.7%	18.7%	20.4%	21.2%	20.9%	19.5%	18.7%	17.2%	15.1%	12.9%	11.4%	11.0%	11.0%	10.6%	10.6%	10.9%	11.1%	11.9%	12.3%	12.8%	12.81%
ROA	1.6%	1.9%	1.9%	1.9%	1.9%	1.7%	1.6%	1.5%	1.3%	1.1%	1.0%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	1.0%	1.0%	1.1%	1.09%
ROIC	-19.4%	-31.9%	-27.7%	-26.4%	-33.1%	-31.5%	-21.8%	-39.5%	-3.4%	1.1%	-1.3%	-3.0%	-26.9%	12.2%	22.5%	31.7%	16.7%	-30.5%	15.8%	23.4%	23.40%
ROCE	18.1%	21.2%	23.5%	24.9%	22.9%	22.7%	17.6%	15.0%	12.3%	10.2%	9.2%	8.7%	9.8%	9.0%	9.6%	10.4%	10.0%	1.3%	10.5%	1.5%	1.47%
Gross Margin	1.0%	89.6%	95.5%	91.9%	87.3%	74.5%	68.5%	61.9%	54.9%	54.4%	53.2%	51.3%	51.3%	50.2%	54.2%	54.0%	54.6%	55.8%	56.7%	59.0%	59.00%
Operating Margin	55.0%	51.4%	51.9%	46.8%	43.4%	36.9%	32.3%	25.4%	20.8%	20.6%	19.9%	19.6%	19.2%	16.9%	19.4%	20.3%	22.7%	22.3%	23.3%	25.2%	25.18%
Net Margin	39.5%	36.4%	36.8%	33.2%	30.8%	26.7%	22.9%	18.1%	15.2%	14.6%	14.3%	14.1%	13.7%	12.6%	14.0%	15.2%	15.7%	16.5%	17.0%	18.2%	18.20%
EBITDA Margin	56.6%	52.7%	53.7%	47.9%	44.6%	38.1%	33.3%	26.4%	21.7%	21.6%	20.9%	20.5%	20.0%	17.7%	20.2%	21.2%	34.1%	26.1%	28.1%	25.2%	25.18%
FCF Margin	-44.0%	-36.7%	-25.6%	35.8%	1.0%	77.8%	98.4%	80.9%	53.5%	48.3%	12.9%	17.9%	15.8%	19.3%	23.7%	8.6%	14.9%	11.9%	13.7%	13.7%	13.71%
OCF Margin	-42.9%	-35.3%	-23.9%	37.4%	1.0%	79.1%	99.7%	82.5%	55.3%	49.9%	14.1%	18.5%	16.5%	20.3%	25.5%	10.8%	17.1%	15.7%	16.7%	16.2%	16.25%
ROE 3Y Avg	snapshot only																				11.09%
ROE 5Y Avg	snapshot only																				13.97%
ROA 3Y Avg	snapshot only																				0.95%
ROIC Economic	snapshot only																				8.41%
Cash ROA	snapshot only																				1.02%
Cash ROIC	snapshot only																				22.54%
CROIC	snapshot only																				19.01%
NOPAT Margin	snapshot only																				16.87%
Pretax Margin	snapshot only																				23.37%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				24.66%
SBC / Revenue	snapshot only																				0.33%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	5.59	5.71	5.64	4.04	4.29	4.49	3.70	3.80	4.71	6.36	6.48	6.44	8.31	10.72	8.11	8.50	8.74	8.21	7.27	7.73	7.938
P/S Ratio	1.83	2.05	2.10	1.47	1.46	1.41	1.04	0.92	0.97	1.12	1.00	0.94	1.18	1.47	1.10	1.18	1.26	1.26	1.17	1.30	1.342
P/B Ratio	0.83	1.00	1.08	0.81	0.87	0.85	0.66	0.63	0.68	0.79	0.72	0.69	0.87	1.10	0.83	0.89	0.93	0.92	0.85	0.94	0.967
P/FCF	-4.16	-5.60	-8.19	4.10	1.43	1.82	1.05	1.14	1.81	2.32	7.80	5.24	7.45	7.58	4.66	13.73	8.44	10.59	8.53	9.51	9.514
P/OCF	—	—	—	3.92	1.41	1.79	1.04	1.12	1.75	2.24	7.13	5.05	7.15	7.20	4.33	10.93	7.38	8.05	7.03	8.03	8.026
EV/EBITDA	-4.32	-2.17	-2.18	-3.27	-2.54	-2.76	-4.51	-3.32	-1.71	-0.55	-2.28	-2.23	-3.41	6.36	1.91	1.46	3.27	-2.38	2.99	2.24	2.240
EV/Revenue	-2.07	-1.13	-1.18	-1.71	-1.26	-1.26	-1.83	-1.17	-0.51	-0.14	-0.52	-0.47	-0.71	1.26	0.37	0.29	0.77	-0.61	0.82	0.64	0.636
EV/EBIT	-4.49	-2.24	-2.25	-3.36	-2.61	-2.85	-4.64	-3.42	-1.77	-0.57	-2.39	-2.33	-3.57	6.66	1.99	1.53	3.88	-2.87	3.70	2.72	2.719
EV/FCF	4.70	3.09	4.61	-4.79	-1.23	-1.62	-1.85	-1.44	-0.95	-0.29	-4.01	-2.64	-4.46	6.50	1.58	3.36	5.16	-5.10	5.97	4.64	4.637
Earnings Yield	17.9%	17.5%	17.7%	24.7%	23.3%	22.3%	27.0%	26.3%	21.2%	15.7%	15.4%	15.5%	12.0%	9.3%	12.3%	11.8%	11.4%	12.2%	13.8%	12.9%	12.94%
FCF Yield	-24.0%	-17.9%	-12.2%	24.4%	69.9%	55.0%	94.8%	87.6%	55.4%	43.2%	12.8%	19.1%	13.4%	13.2%	21.4%	7.3%	11.8%	9.4%	11.7%	10.5%	10.51%
PEG Ratio	snapshot only																				0.250
Price/Tangible Book	snapshot only																				0.981
EV/OCF	snapshot only																				3.912
EV/Gross Profit	snapshot only																				1.124
Acquirers Multiple	snapshot only																				2.719
Shareholder Yield	snapshot only																				3.33%
Graham Number	snapshot only																				$26.40

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.20	0.18	0.18	0.18	0.16	0.16	0.21	0.19	0.17	0.16	0.18	0.17	0.18	0.07	0.09	0.09	0.08	1.91	0.08	3.24	3.242
Quick Ratio	0.20	0.18	0.18	0.18	0.16	0.16	0.21	0.19	0.17	0.16	0.18	0.17	0.18	0.07	0.09	0.09	0.08	1.91	0.08	3.24	3.242
Debt/Equity	0.07	0.06	0.06	0.06	0.11	0.06	0.33	0.47	0.57	0.59	0.59	0.63	0.41	0.50	0.40	0.29	0.39	0.54	0.47	0.46	0.459
Net Debt/Equity	-1.77	-1.55	-1.69	-1.76	-1.61	-1.60	-1.82	-1.42	-1.04	-0.89	-1.09	-1.04	-1.39	-0.16	-0.55	-0.67	-0.36	-1.37	-0.26	-0.48	-0.481
Debt/Assets	0.01	0.01	0.01	0.00	0.01	0.00	0.03	0.04	0.05	0.05	0.05	0.05	0.03	0.04	0.03	0.02	0.03	0.05	0.04	0.04	0.040
Debt/EBITDA	0.31	0.25	0.21	0.19	0.39	0.21	1.28	1.95	2.72	3.28	3.64	4.06	2.68	3.38	2.73	1.96	2.26	2.86	2.37	2.25	2.247
Net Debt/EBITDA	-8.14	-6.09	-6.06	-6.07	-5.50	-5.88	-7.08	-5.94	-4.97	-4.92	-6.73	-6.65	-9.09	-1.06	-3.72	-4.51	-2.08	-7.33	-1.28	-2.36	-2.356
Interest Coverage	9.19	12.98	15.48	14.88	9.08	4.13	2.15	1.28	0.85	0.63	0.51	0.45	0.43	0.40	0.41	0.42	0.45	0.49	0.52	0.55	0.552
Equity Multiplier	10.59	10.45	11.23	11.41	11.93	11.84	11.81	11.71	11.63	11.15	11.48	11.69	11.73	11.54	11.96	12.00	11.80	11.63	11.60	11.50	11.500
Cash Ratio	snapshot only																				22.739
Debt Service Coverage	snapshot only																				0.670
Cash to Debt	snapshot only																				2.049
FCF to Debt	snapshot only																				0.215
Defensive Interval	snapshot only																				1502.1 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.065
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	16.14	18.72	21.46	21.83	20.61	18.00	19.12	19.47	18.84	17.60	17.80	17.75	17.17	17.66	17.24	17.29	16.49	16.95	16.50	17.04	17.038
Payables Turnover	4.20	4.63	5.39	9.12	11.03	8.58	7.51	6.91	6.29	7.10	6.81	5.41	4.32	5.21	5.57	4.88	4.31	4.93	10.11	9.50	9.496
DSO	23	19	17	17	18	20	19	19	19	21	21	21	21	21	21	21	22	22	22	21	21.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	87	79	68	40	33	43	49	53	58	51	54	67	85	70	66	75	85	74	36	38	38.4 days
Cash Conversion Cycle	-64	-59	-51	-23	-15	-22	-30	-34	-39	-31	-33	-47	-63	-49	-44	-54	-63	-53	-14	-17	-17.0 days
Fixed Asset Turnover	snapshot only																				13.182
Cash Velocity	snapshot only																				0.766
Capital Intensity	snapshot only																				15.977

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	10.7%	24.4%	33.2%	39.9%	40.4%	32.0%	36.0%	33.2%	29.4%	28.4%	19.6%	15.7%	15.0%	13.4%	12.7%	11.1%	8.9%	8.2%	7.8%	7.1%	7.14%
Net Income	74.4%	1.2%	1.1%	80.3%	46.3%	15.5%	2.4%	-10.9%	-22.2%	-28.2%	-33.9%	-30.8%	-20.6%	-11.9%	-1.0%	6.4%	10.8%	21.8%	27.7%	29.9%	29.93%
EPS	74.2%	1.2%	1.1%	79.0%	45.6%	15.2%	2.0%	-10.5%	-21.5%	-27.1%	-32.5%	-29.4%	-18.8%	-10.6%	-0.1%	6.5%	10.0%	21.0%	27.1%	29.2%	29.21%
FCF	-28.4%	-4.4%	-6.5%	2.0%	4.3%	3.8%	6.2%	2.0%	-32.3%	-20.2%	-84.4%	-74.5%	-66.0%	-54.6%	1.1%	-46.4%	2.7%	-33.2%	-37.5%	70.5%	70.54%
EBITDA	74.5%	1.1%	1.1%	75.9%	44.9%	14.6%	1.6%	-10.9%	-22.5%	-27.6%	-33.2%	-30.4%	-19.5%	-12.6%	-2.1%	4.1%	23.5%	39.9%	50.9%	53.4%	53.38%
Op. Income	79.6%	1.2%	1.2%	79.5%	46.6%	14.9%	1.8%	-11.2%	-23.1%	-28.3%	-34.3%	-31.3%	-20.4%	-13.2%	-2.1%	4.2%	9.3%	21.5%	27.3%	32.2%	32.18%
OCF Growth	snapshot only																				60.90%
Asset Growth	snapshot only																				7.05%
Equity Growth	snapshot only																				11.66%
Debt Growth	snapshot only																				75.91%
Shares Change	snapshot only																				0.55%
Dividend Growth	snapshot only																				4.05%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	8.1%	10.5%	10.5%	12.2%	13.6%	14.7%	19.0%	23.2%	26.2%	28.2%	29.4%	29.2%	27.8%	24.3%	22.4%	19.6%	17.5%	16.3%	13.3%	11.2%	11.25%
Revenue 5Y	16.5%	17.6%	16.9%	17.1%	17.0%	16.5%	17.9%	18.1%	18.1%	18.0%	17.0%	16.8%	16.9%	17.0%	17.8%	19.2%	20.3%	20.9%	21.4%	20.7%	20.73%
EPS 3Y	26.6%	29.1%	28.8%	31.1%	30.2%	27.5%	29.5%	29.5%	25.8%	22.3%	13.4%	4.2%	-2.5%	-9.1%	-11.7%	-12.4%	-11.2%	-7.6%	-5.0%	-1.0%	-0.99%
EPS 5Y	26.9%	28.6%	28.3%	28.0%	26.4%	25.4%	23.4%	22.6%	18.3%	12.6%	8.0%	7.3%	7.1%	6.2%	8.0%	10.3%	12.2%	14.6%	13.1%	9.2%	9.23%
Net Income 3Y	23.8%	26.5%	26.5%	29.1%	28.2%	25.7%	28.8%	29.7%	25.7%	22.1%	13.2%	3.6%	-3.3%	-9.9%	-12.5%	-13.1%	-11.9%	-8.3%	-5.8%	-1.5%	-1.48%
Net Income 5Y	30.5%	31.9%	31.8%	31.4%	29.4%	29.2%	26.0%	21.1%	16.7%	10.9%	6.5%	5.8%	5.4%	4.7%	6.9%	9.9%	11.8%	14.3%	12.9%	9.0%	8.96%
EBITDA 3Y	19.1%	27.0%	27.5%	30.3%	29.7%	27.5%	29.9%	30.2%	25.1%	21.3%	12.4%	3.0%	-3.3%	-10.2%	-12.7%	-13.5%	-8.3%	-4.0%	-0.4%	3.6%	3.61%
EBITDA 5Y	—	—	73.5%	46.5%	32.1%	21.5%	20.0%	16.8%	13.7%	11.2%	7.1%	6.5%	6.4%	5.6%	7.5%	9.9%	14.3%	16.9%	15.9%	11.8%	11.76%
Gross Profit 3Y	12.2%	16.0%	16.6%	18.6%	19.1%	18.8%	20.6%	21.6%	19.4%	17.4%	14.1%	8.8%	5.1%	1.2%	-0.5%	-1.5%	-1.7%	-0.2%	0.3%	2.4%	2.45%
Gross Profit 5Y	15.1%	16.5%	16.9%	17.2%	17.0%	16.1%	15.8%	14.1%	12.0%	10.6%	8.4%	7.8%	7.8%	7.7%	9.0%	10.9%	11.9%	12.7%	12.2%	10.2%	10.19%
Op. Income 3Y	19.6%	27.8%	28.3%	31.3%	30.7%	28.4%	31.2%	31.7%	26.5%	22.5%	13.0%	3.0%	-3.5%	-10.6%	-13.1%	-14.0%	-12.5%	-8.9%	-6.4%	-1.8%	-1.85%
Op. Income 5Y	22.7%	25.8%	25.9%	25.6%	24.8%	22.2%	20.6%	17.2%	14.0%	11.5%	7.2%	6.6%	6.4%	5.7%	7.8%	10.3%	12.0%	14.1%	12.4%	8.5%	8.54%
FCF 3Y	—	—	—	8.9%	68.3%	70.4%	89.7%	1.4%	—	—	—	—	—	—	—	-25.6%	-38.2%	-37.7%	-41.2%	-38.4%	-38.44%
FCF 5Y	—	—	—	63.5%	—	—	—	78.5%	24.7%	17.4%	-11.6%	-0.1%	1.9%	12.4%	17.2%	13.0%	—	—	—	—	—
OCF 3Y	—	—	—	8.4%	64.9%	65.8%	85.9%	1.3%	—	—	—	—	—	—	—	-20.9%	-35.6%	-32.1%	-37.6%	-35.3%	-35.27%
OCF 5Y	—	—	—	63.8%	—	—	—	72.7%	24.1%	17.3%	-10.7%	-0.6%	1.2%	11.3%	17.3%	15.9%	—	—	—	—	—
Assets 3Y	17.5%	18.3%	20.1%	19.7%	20.8%	21.1%	21.5%	18.7%	16.9%	16.3%	15.4%	12.7%	12.4%	11.1%	10.5%	9.8%	8.8%	8.2%	7.5%	8.4%	8.45%
Assets 5Y	18.4%	17.8%	18.4%	18.3%	18.2%	18.4%	17.8%	17.0%	15.7%	15.5%	15.7%	15.2%	15.7%	14.9%	15.7%	14.8%	14.3%	14.2%	13.1%	11.4%	11.37%
Equity 3Y	8.3%	8.4%	7.8%	7.8%	7.3%	8.0%	10.0%	9.7%	9.2%	10.3%	9.8%	8.9%	8.7%	7.5%	8.2%	8.0%	9.2%	8.8%	8.2%	9.1%	9.10%
Book Value 3Y	10.7%	10.6%	9.8%	9.4%	9.0%	9.4%	10.6%	9.6%	9.3%	10.5%	10.0%	9.5%	9.6%	8.4%	9.1%	8.9%	10.1%	9.6%	9.1%	9.7%	9.65%
Dividend 3Y	7.8%	8.6%	11.8%	14.5%	12.6%	10.7%	8.4%	6.3%	4.7%	3.0%	1.3%	0.1%	0.3%	0.3%	0.3%	0.4%	0.6%	0.7%	1.0%	2.0%	2.03%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.87	0.89	0.86	0.84	0.82	0.83	0.80	0.80	0.82	0.84	0.83	0.85	0.87	0.91	0.95	0.98	0.99	0.99	0.98	0.97	0.966
Earnings Stability	0.84	0.73	0.72	0.76	0.81	0.80	0.79	0.79	0.71	0.54	0.40	0.35	0.29	0.17	0.12	0.10	0.08	0.05	0.02	0.00	0.003
Margin Stability	0.88	0.88	0.89	0.90	0.91	0.91	0.91	0.89	0.86	0.84	0.82	0.79	0.77	0.75	0.75	0.75	0.76	0.77	0.78	0.75	0.755
Rev. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
FCF Positive Streak	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.50	0.81	0.94	0.99	0.96	0.91	0.89	0.86	0.88	0.92	0.95	1.00	0.97	0.96	0.91	0.89	0.88	0.880
Earnings Smoothness	0.46	0.25	0.27	0.43	0.62	0.86	0.98	0.88	0.75	0.67	0.59	0.64	0.77	0.87	0.99	0.94	0.90	0.80	0.76	0.74	0.740
ROE Trend	0.04	0.07	0.09	0.09	0.08	0.06	0.03	0.00	-0.03	-0.06	-0.07	-0.08	-0.07	-0.05	-0.04	-0.03	-0.02	-0.00	0.01	0.02	0.016
Gross Margin Trend	0.17	0.18	0.17	0.12	0.05	-0.00	-0.09	-0.19	-0.28	-0.31	-0.32	-0.30	-0.25	-0.22	-0.16	-0.10	-0.05	-0.01	0.01	0.04	0.036
FCF Margin Trend	-0.41	-0.44	-0.36	0.54	1.43	1.00	1.14	0.87	0.24	0.28	-0.24	-0.40	-0.62	-0.44	-0.32	-0.41	-0.20	-0.22	-0.05	0.00	0.005
Sustainable Growth Rate	12.6%	15.4%	16.8%	17.4%	17.1%	15.6%	14.7%	13.0%	11.0%	9.0%	7.6%	7.2%	7.3%	7.0%	7.1%	7.4%	7.7%	8.6%	9.1%	9.5%	9.52%
Internal Growth Rate	1.3%	1.6%	1.6%	1.6%	1.5%	1.4%	1.3%	1.1%	0.9%	0.8%	0.7%	0.6%	0.6%	0.6%	0.6%	0.6%	0.7%	0.7%	0.8%	0.8%	0.82%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	-1.31	-0.98	-0.64	1.03	3.04	2.51	3.55	3.40	2.69	2.84	0.91	1.28	1.16	1.49	1.88	0.78	1.18	1.02	1.03	0.96	0.963
FCF/OCF	1.02	1.04	1.07	0.96	0.99	0.98	0.99	0.98	0.97	0.97	0.91	0.96	0.96	0.95	0.93	0.80	0.87	0.76	0.82	0.84	0.844
FCF/Net Income	snapshot only																				0.813
OCF/EBITDA	snapshot only																				0.573
CapEx/Revenue	1.0%	1.4%	1.8%	1.7%	1.5%	1.3%	1.2%	1.6%	1.8%	1.6%	1.2%	0.7%	0.7%	1.0%	1.8%	2.2%	2.1%	3.8%	2.9%	2.5%	2.54%
CapEx/Depreciation	snapshot only																				0.508
Accruals Ratio	0.04	0.04	0.03	-0.00	-0.04	-0.03	-0.04	-0.04	-0.02	-0.02	0.00	-0.00	-0.00	-0.00	-0.01	0.00	-0.00	-0.00	-0.00	0.00	0.000
Sloan Accruals	snapshot only																				0.779
Cash Flow Adequacy	snapshot only																				2.364
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	3.6%	3.1%	3.1%	4.4%	4.3%	4.5%	5.8%	6.3%	5.8%	4.8%	5.2%	5.3%	4.1%	3.2%	4.1%	3.8%	3.5%	3.4%	3.6%	3.3%	3.36%
Dividend/Share	$0.31	$0.34	$0.37	$0.40	$0.42	$0.44	$0.46	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.50	$0.52
Payout Ratio	19.9%	17.8%	17.5%	17.8%	18.5%	20.0%	21.4%	24.1%	27.2%	30.4%	33.5%	34.4%	33.7%	33.9%	33.3%	31.9%	30.2%	27.8%	26.1%	25.7%	25.69%
FCF Payout Ratio	—	—	—	18.1%	6.2%	8.1%	6.1%	7.2%	10.4%	11.1%	40.3%	28.0%	30.2%	24.0%	19.1%	51.5%	29.2%	35.9%	30.7%	31.6%	31.62%
Total Payout Ratio	24.3%	17.9%	17.5%	17.8%	18.5%	20.0%	23.1%	32.6%	36.9%	46.8%	51.3%	53.7%	52.9%	46.9%	47.2%	38.6%	36.3%	33.4%	28.8%	25.7%	25.72%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0
Chowder Number	0.21	0.24	0.35	0.48	0.40	0.35	0.31	0.27	0.20	0.14	0.09	0.04	0.02	0.01	0.02	0.03	0.03	0.03	0.04	0.08	0.079
Buyback Yield	0.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.5%	2.2%	2.0%	2.6%	2.7%	3.0%	2.3%	1.2%	1.7%	0.8%	0.7%	0.7%	0.4%	0.0%	0.00%
Net Buyback Yield	0.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.5%	2.2%	2.0%	2.6%	2.7%	3.0%	2.3%	1.2%	1.7%	0.8%	0.7%	0.7%	0.4%	0.0%	0.00%
Total Shareholder Return	4.4%	3.1%	3.1%	4.4%	4.3%	4.5%	6.3%	8.6%	7.8%	7.4%	7.9%	8.3%	6.4%	4.4%	5.8%	4.5%	4.2%	4.1%	4.0%	3.3%	3.33%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.71	0.71	0.71	0.71	0.71	0.71	0.71	0.71	0.72	0.71	0.72	0.72	0.72	0.72	0.73	0.73	0.73	0.73	0.73	0.72	0.722
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.46	0.51	0.53	0.51	0.48	0.44	0.39	0.34	0.29	0.25	0.22	0.20	0.20	0.19	0.19	0.19	0.20	0.21	0.22	0.23	0.234
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.065
Equity Multiplier	10.06	10.02	10.61	11.00	11.28	11.17	11.53	11.57	11.77	11.48	11.64	11.70	11.68	11.35	11.73	11.85	11.77	11.59	11.77	11.73	11.734

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$1.55	$1.89	$2.09	$2.23	$2.25	$2.18	$2.13	$2.00	$1.77	$1.59	$1.44	$1.41	$1.44	$1.42	$1.44	$1.50	$1.58	$1.72	$1.83	$1.94	$1.94
Book Value/Share	$10.44	$10.85	$10.89	$11.13	$11.14	$11.59	$12.00	$12.11	$12.17	$12.81	$12.99	$13.18	$13.75	$13.84	$14.14	$14.38	$14.85	$15.28	$15.59	$15.97	$16.01
Tangible Book/Share	$10.44	$10.85	$10.89	$11.13	$11.14	$11.59	$12.00	$12.11	$12.17	$12.81	$12.99	$13.18	$13.75	$13.84	$14.14	$14.38	$14.85	$15.28	$14.93	$15.28	$15.28
Revenue/Share	$4.73	$5.27	$5.62	$6.15	$6.60	$6.93	$7.61	$8.22	$8.62	$9.04	$9.30	$9.70	$10.13	$10.40	$10.58	$10.79	$10.95	$11.17	$11.36	$11.50	$11.53
FCF/Share	$-2.08	$-1.93	$-1.44	$2.20	$6.75	$5.39	$7.49	$6.65	$4.61	$4.37	$1.20	$1.73	$1.60	$2.01	$2.51	$0.93	$1.63	$1.33	$1.56	$1.58	$1.58
OCF/Share	$-2.03	$-1.86	$-1.34	$2.30	$6.85	$5.49	$7.59	$6.78	$4.77	$4.51	$1.31	$1.80	$1.67	$2.12	$2.70	$1.17	$1.87	$1.75	$1.89	$1.87	$1.87
Cash/Share	$19.12	$17.46	$19.10	$20.19	$19.23	$19.18	$25.75	$22.81	$19.62	$18.99	$21.78	$21.99	$24.72	$9.12	$13.40	$13.83	$11.18	$29.10	$11.37	$15.01	$15.05
EBITDA/Share	$2.26	$2.76	$3.04	$3.23	$3.26	$3.15	$3.08	$2.89	$2.55	$2.32	$2.10	$2.05	$2.10	$2.05	$2.08	$2.14	$2.58	$2.86	$3.12	$3.26	$3.26
Debt/Share	$0.70	$0.68	$0.65	$0.61	$1.28	$0.67	$3.95	$5.64	$6.93	$7.61	$7.65	$8.34	$5.63	$6.94	$5.67	$4.19	$5.82	$8.18	$7.38	$7.33	$7.33
Net Debt/Share	$-18.42	$-16.79	$-18.46	$-19.57	$-17.95	$-18.51	$-21.80	$-17.17	$-12.69	$-11.39	$-14.14	$-13.65	$-19.09	$-2.17	$-7.73	$-9.64	$-5.37	$-20.92	$-3.99	$-7.68	$-7.68

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.175
Altman Z-Prime	snapshot only																				0.441
Piotroski F-Score	5	6	5	6	5	6	5	6	6	6	4	5	7	6	7	7	7	7	6	6	6
Beneish M-Score	-2.45	-2.03	-1.81	-1.93	-2.06	-1.91	-1.96	-1.91	-1.91	-2.26	-2.16	-2.23	-2.25	-2.29	-2.31	-2.13	-2.37	-2.38	-2.40	-5.20	-5.203
Ohlson O-Score	snapshot only																				-4.761
ROIC (Greenblatt)	snapshot only																				1.14%
Net-Net WC	snapshot only																				$-165.55
EVA	snapshot only																				$16592100.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A
Credit Score	57.35	57.28	58.26	84.53	85.21	85.19	85.27	84.24	79.17	74.43	52.93	54.22	56.31	56.50	68.81	55.96	54.46	72.00	57.39	74.22	74.219
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				18.256
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				74
Sector Credit Rank	snapshot only																				64

OPBK NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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