$14.14

-0.04 (-0.28%)

Weekly Expected Move ±4.4%

$12 $13 $14 $14 $15

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 52 · $210.6M mcap · 12M float · 0.317% daily turnover · Short 46% 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.

NO EDGE

38.8 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: -32.5%

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 has No discernible competitive edge (38.8/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. Negative ROIC of -32.5% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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

Low

$17

Avg Target

$17

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$17.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
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.

A-

May 22, 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). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-05-11	A	A-
2026-04-01	A-	A
2026-02-23	B+	A-
2026-02-20	A-	B+
2026-02-18	B+	A-
2026-02-11	A-	B+
2026-02-02	C	A-
2026-01-23	A-	C
2026-01-03	B+	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.

★ ★ ★ ★ ★ 49 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 Earnings Quality (88/100) and lowest in Cash Flow (43/100). 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

2.55

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.39

Unlikely Manipulator

Ohlson O-Score

-4.71

Bankruptcy prob: 0.9%

Low Risk

Credit Rating

Score: 72.6/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.03x

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 2.55, 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 8/9, signaling strong financial health across all three dimensions. 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 -2.39 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 0.9% 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: 72.6/100), 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 100/100 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

7.70x

PEG

0.27x

P/S

1.24x

P/B

0.90x

P/FCF

8.53x

P/OCF

7.03x

EV/EBITDA

-2.55x

EV/Revenue

-0.67x

EV/EBIT

-3.02x

EV/FCF

-4.88x

Earnings Yield

13.76%

FCF Yield

11.72%

Shareholder Yield

3.95%

Graham Number

$25.07

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 7.7x earnings, OPBK trades at a deep value multiple. An earnings yield of 13.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $25.07 per share, suggesting a potential 77% 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

0.728

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.221

EBIT / Rev

Asset Turnover

0.068

Rev / Assets

Equity Multiplier

11.588

Assets / Equity

ROE

12.6%

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 12.6% is driven by financial leverage (equity multiplier: 11.59x). 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.

Adj. Growth Rate

27.06%

Fair P/E

62.63x

Intrinsic Value

$114.64

Price/Value

0.12x

Margin of Safety

88.40%

Premium

-88.40%

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 27.1% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $114.64, OPBK appears undervalued with a 88% margin of safety. The adjusted fair P/E of 62.6x compares to the current market P/E of 7.7x.

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

$14.14

Median 1Y

$14.73

5th Pctile

$8.17

95th Pctile

$26.59

Ann. Volatility

37.6%

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

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	Q2'21	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	Current
ROE	13.3%	16.6%	18.7%	20.7%	22.0%	22.3%	19.5%	19.1%	17.7%	15.7%	12.9%	11.7%	11.3%	11.5%	10.6%	10.8%	11.2%	11.9%	11.9%	12.6%	12.63%
ROA	1.5%	1.8%	1.9%	2.1%	2.2%	2.2%	1.7%	1.7%	1.6%	1.4%	1.1%	1.0%	1.0%	1.0%	0.9%	0.9%	1.0%	1.0%	1.0%	1.1%	1.09%
ROIC	-45.7%	-56.9%	-31.9%	-35.3%	-37.7%	-38.1%	-31.5%	-30.9%	-28.7%	-25.3%	1.1%	1.0%	97.9%	99.4%	12.2%	12.4%	12.9%	13.6%	-30.5%	-32.5%	-32.47%
ROCE	16.1%	20.0%	21.2%	23.4%	24.9%	25.3%	22.7%	22.3%	20.6%	18.1%	10.2%	9.2%	8.9%	9.1%	9.0%	9.1%	9.4%	10.1%	1.3%	1.4%	1.42%
Gross Margin	1.0%	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%	56.71%
Operating Margin	52.0%	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%	23.28%
Net Margin	36.3%	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%	16.99%
EBITDA Margin	53.8%	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%	23.3%	23.28%
FCF Margin	-48.1%	-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%	13.73%
OCF Margin	-47.0%	-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%	16.65%
ROE 3Y Avg	snapshot only																				11.22%
ROE 5Y Avg	snapshot only																				14.29%
ROA 3Y Avg	snapshot only																				0.98%
ROIC Economic	snapshot only																				7.89%
Cash ROA	snapshot only																				1.07%
NOPAT Margin	snapshot only																				16.12%
Pretax Margin	snapshot only																				22.15%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				21.02%
SBC / Revenue	snapshot only																				0.42%

Valuation

Metric	Q2'21	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	Current
P/E Ratio	6.71	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	7.705
P/S Ratio	1.89	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	1.242
P/B Ratio	0.88	0.92	1.00	1.09	0.83	0.89	0.85	0.68	0.65	0.71	0.79	0.73	0.70	0.92	1.10	0.85	0.92	1.00	0.92	0.87	0.905
P/FCF	-3.93	-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	8.531
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	7.033
EV/EBITDA	-2.08	-1.55	-2.17	-1.63	-2.40	-2.17	-2.76	-3.43	-3.82	-4.05	-0.55	-0.99	-1.19	0.18	6.36	4.59	4.95	4.52	-2.38	-2.55	-2.552
EV/Revenue	-0.87	-0.74	-1.13	-0.88	-1.26	-1.07	-1.26	-1.39	-1.34	-1.20	-0.14	-0.22	-0.25	0.04	1.26	0.90	0.98	1.06	-0.61	-0.67	-0.669
EV/EBIT	-2.18	-1.61	-2.24	-1.68	-2.47	-2.23	-2.85	-3.53	-3.94	-4.19	-0.57	-1.04	-1.24	0.19	6.66	4.80	5.18	5.35	-2.87	-3.02	-3.022
EV/FCF	1.80	1.68	3.09	3.44	-3.52	-1.05	-1.62	-1.41	-1.66	-2.24	-0.29	-1.74	-1.41	0.24	6.50	3.80	11.40	7.12	-5.10	-4.88	-4.876
Earnings Yield	14.9%	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%	13.76%
FCF Yield	-25.4%	-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%	11.72%
PEG Ratio	snapshot only																				0.267
Price/Tangible Book	snapshot only																				0.871
EV/OCF	snapshot only																				-4.020
EV/Gross Profit	snapshot only																				-1.211
Acquirers Multiple	snapshot only																				-3.022
Shareholder Yield	snapshot only																				3.95%
Graham Number	snapshot only																				$25.07

Leverage & Solvency

Metric	Q2'21	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	Current
Current Ratio	0.17	0.17	0.18	0.18	0.18	0.18	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.07	0.07	0.07	0.07	1.91	1.91	1.914
Quick Ratio	0.17	0.17	0.18	0.18	0.18	0.18	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.07	0.07	0.07	0.07	1.91	1.91	1.914
Debt/Equity	0.09	0.09	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.59	0.59	0.59	0.59	0.50	0.50	0.50	0.50	0.54	0.54	0.535
Net Debt/Equity	-1.29	-1.29	-1.55	-1.55	-1.55	-1.55	-1.60	-1.60	-1.60	-1.60	-0.89	-0.89	-0.89	-0.89	-0.16	-0.16	-0.16	-0.16	-1.37	-1.37	-1.369
Debt/Assets	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.046
Debt/EBITDA	0.48	0.39	0.25	0.22	0.21	0.21	0.21	0.22	0.23	0.26	3.28	3.63	3.75	3.68	3.38	3.34	3.24	2.68	2.86	2.74	2.742
Net Debt/EBITDA	-6.61	-5.37	-6.09	-5.51	-5.20	-5.13	-5.88	-5.99	-6.45	-7.31	-4.92	-5.43	-5.61	-5.50	-1.06	-1.04	-1.01	-0.84	-7.33	-7.02	-7.017
Interest Coverage	6.01	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	0.518
Equity Multiplier	9.53	9.53	10.45	10.45	10.45	10.45	11.84	11.84	11.84	11.84	11.15	11.15	11.15	11.15	11.54	11.54	11.54	11.54	11.63	11.63	11.629
Cash Ratio	snapshot only																				38.837
Debt Service Coverage	snapshot only																				0.613
Cash to Debt	snapshot only																				3.559
FCF to Debt	snapshot only																				0.191
Defensive Interval	snapshot only																				2887.2 days

Efficiency & Turnover

Metric	Q2'21	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	Current
Asset Turnover	0.05	0.06	0.05	0.06	0.06	0.07	0.06	0.06	0.07	0.07	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.068
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	18.73	20.09	18.72	20.02	21.88	23.55	18.00	19.82	21.22	22.19	17.60	18.07	18.69	19.44	17.66	18.02	18.38	18.73	16.95	17.24	17.240
Payables Turnover	3.87	2.19	4.63	3.99	7.05	11.70	8.58	14.21	20.69	27.70	7.10	7.97	8.74	9.26	5.21	5.29	5.31	5.32	4.93	4.94	4.945
DSO	19	18	19	18	17	16	20	18	17	16	21	20	20	19	21	20	20	19	22	21	21.2 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	94	167	79	91	52	31	43	26	18	13	51	46	42	39	70	69	69	69	74	74	73.8 days
Cash Conversion Cycle	-75	-149	-59	-73	-35	-16	-22	-7	-0	3	-31	-26	-22	-21	-49	-49	-49	-49	-53	-53	-52.6 days
Fixed Asset Turnover	snapshot only																				11.655
Cash Velocity	snapshot only																				0.391
Capital Intensity	snapshot only																				15.631

Growth (YoY)

Metric	Q2'21	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	Current
Revenue	0.4%	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%	7.84%
Net Income	35.8%	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%	27.69%
EPS	35.6%	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%	27.06%
FCF	-5.3%	-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%	-37.51%
EBITDA	40.7%	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%	44.2%	44.19%
Op. Income	43.2%	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%	27.30%
OCF Growth	snapshot only																				-29.67%
Asset Growth	snapshot only																				12.01%
Equity Growth	snapshot only																				11.17%
Debt Growth	snapshot only																				18.55%
Shares Change	snapshot only																				0.49%
Dividend Growth	snapshot only																				0.31%

Growth (CAGR)

Metric	Q2'21	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	Current
Revenue 3Y	7.3%	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%	13.31%
Revenue 5Y	16.0%	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%	21.37%
EPS 3Y	20.0%	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%	-5.00%
EPS 5Y	23.2%	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%	13.10%
Net Income 3Y	17.5%	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%	-5.80%
Net Income 5Y	26.7%	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%	12.89%
EBITDA 3Y	11.5%	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%	-1.9%	-1.93%
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%	14.9%	14.90%
Gross Profit 3Y	8.5%	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%	0.30%
Gross Profit 5Y	13.4%	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%	12.25%
Op. Income 3Y	11.6%	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%	-6.43%
Op. Income 5Y	19.9%	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%	12.43%
FCF 3Y	—	—	—	—	8.9%	68.3%	70.4%	89.7%	1.4%	—	—	—	—	—	—	—	-25.6%	-38.2%	-37.7%	-41.2%	-41.24%
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%	-37.60%
OCF 5Y	—	—	—	—	63.8%	—	—	—	72.7%	24.1%	17.3%	-10.7%	-0.6%	1.2%	11.3%	17.3%	15.9%	—	—	—	—
Assets 3Y	14.9%	14.9%	18.3%	18.3%	18.3%	18.3%	21.1%	21.1%	21.1%	21.1%	16.3%	16.3%	16.3%	16.3%	11.1%	11.1%	11.1%	11.1%	8.2%	8.2%	8.16%
Assets 5Y	17.2%	17.2%	17.8%	17.8%	17.8%	17.8%	18.4%	18.4%	18.4%	18.4%	15.5%	15.5%	15.5%	15.5%	14.9%	14.9%	14.9%	14.9%	14.2%	14.2%	14.16%
Equity 3Y	16.2%	16.2%	8.4%	8.4%	8.4%	8.4%	8.0%	8.0%	8.0%	8.0%	10.3%	10.3%	10.3%	10.3%	7.5%	7.5%	7.5%	7.5%	8.8%	8.8%	8.81%
Book Value 3Y	18.6%	18.7%	10.6%	10.4%	10.1%	10.1%	9.4%	8.6%	7.8%	8.1%	10.5%	10.5%	11.0%	11.3%	8.4%	8.4%	8.4%	8.3%	9.6%	9.7%	9.73%
Dividend 3Y	6.6%	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%	0.95%

Growth Quality

Metric	Q2'21	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	Current
Revenue Stability	0.86	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	0.981
Earnings Stability	0.91	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	0.023
Margin Stability	0.89	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	0.776
Rev. Growth Consistency	1.00	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	1.000
Earn. Growth Consistency	0.50	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	0.500
FCF Positive Streak	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.86	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	0.889
Earnings Smoothness	0.70	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	0.757
ROE Trend	0.02	0.05	0.07	0.09	0.09	0.08	0.06	0.04	0.00	-0.03	-0.06	-0.08	-0.08	-0.07	-0.05	-0.04	-0.03	-0.02	-0.00	0.01	0.012
Gross Margin Trend	0.12	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	0.014
FCF Margin Trend	-0.73	-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	-0.046
Sustainable Growth Rate	10.3%	13.3%	15.4%	17.1%	18.1%	18.2%	15.6%	15.0%	13.4%	11.4%	9.0%	7.8%	7.4%	7.6%	7.0%	7.2%	7.6%	8.3%	8.6%	9.3%	9.33%
Internal Growth Rate	1.2%	1.5%	1.6%	1.7%	1.8%	1.8%	1.4%	1.4%	1.2%	1.0%	0.8%	0.7%	0.7%	0.7%	0.6%	0.6%	0.7%	0.7%	0.7%	0.8%	0.81%

Cash Flow Quality

Metric	Q2'21	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	Current
OCF/Net Income	-1.67	-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	1.033
FCF/OCF	1.02	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	0.824
FCF/Net Income	snapshot only																				0.852
OCF/EBITDA	snapshot only																				0.635
CapEx/Revenue	1.0%	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%	2.92%
CapEx/Depreciation	snapshot only																				0.716
Accruals Ratio	0.04	0.04	0.04	0.03	-0.00	-0.05	-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	-0.000
Sloan Accruals	snapshot only																				0.758
Cash Flow Adequacy	snapshot only																				2.334
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	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	Current
Dividend Yield	3.3%	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%	3.54%
Dividend/Share	$0.28	$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
Payout Ratio	22.4%	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%	26.13%
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%	30.68%
Total Payout Ratio	29.7%	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%	28.7%	28.72%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	0	0	0	0	0	0	0	0	0
Chowder Number	0.17	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	0.039
Buyback Yield	1.1%	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%	0.36%
Net Buyback Yield	1.1%	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%	0.36%
Total Shareholder Return	4.4%	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%	3.95%

DuPont Factors

Metric	Q2'21	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	Current
Tax Burden (NI/EBT)	0.71	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	0.728
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	0.40	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	0.221
Asset Turnover	0.05	0.06	0.05	0.06	0.06	0.07	0.06	0.06	0.07	0.07	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.068
Equity Multiplier	8.97	8.97	10.02	10.02	10.02	10.02	11.17	11.17	11.17	11.17	11.48	11.48	11.48	11.48	11.35	11.35	11.35	11.35	11.59	11.59	11.588

Per Share

Metric	Q2'21	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	Current
EPS (Diluted TTM)	$1.25	$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	$1.83
Book Value/Share	$9.48	$9.43	$10.85	$10.84	$10.85	$10.82	$11.59	$11.55	$11.66	$11.68	$12.81	$12.85	$12.96	$13.00	$13.84	$13.80	$13.80	$13.74	$15.28	$15.26	$15.63
Tangible Book/Share	$9.48	$9.43	$10.85	$10.84	$10.85	$10.82	$11.59	$11.55	$11.66	$11.68	$12.81	$12.85	$12.96	$13.00	$13.84	$13.80	$13.80	$13.74	$15.28	$15.26	$15.26
Revenue/Share	$4.43	$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	$11.39
FCF/Share	$-2.13	$-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	$1.56
OCF/Share	$-2.08	$-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	$1.90
Cash/Share	$13.09	$13.03	$17.46	$17.45	$17.45	$17.41	$19.18	$19.12	$19.30	$19.34	$18.99	$19.05	$19.21	$19.28	$9.12	$9.09	$9.09	$9.05	$29.10	$29.07	$11.40
EBITDA/Share	$1.85	$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	$2.98	$2.98
Debt/Share	$0.89	$0.88	$0.68	$0.68	$0.68	$0.67	$0.67	$0.67	$0.67	$0.67	$7.61	$7.63	$7.69	$7.72	$6.94	$6.92	$6.92	$6.89	$8.18	$8.17	$8.17
Net Debt/Share	$-12.21	$-12.15	$-16.79	$-16.77	$-16.78	$-16.73	$-18.51	$-18.45	$-18.63	$-18.66	$-11.39	$-11.42	$-11.52	$-11.56	$-2.17	$-2.17	$-2.17	$-2.16	$-20.92	$-20.90	$-20.90

Academic Models

Metric	Q2'21	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	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.550
Altman Z-Prime	snapshot only																				0.395
Piotroski F-Score	5	6	6	6	7	7	6	5	6	6	7	6	7	7	6	7	7	7	8	8	8
Beneish M-Score	-2.21	-2.10	-2.03	-2.10	-2.12	-2.33	-1.91	-1.89	-1.83	-1.71	-2.26	-2.17	-2.21	-2.30	-2.29	-2.37	-2.17	-2.36	-2.38	-2.39	-2.390
Ohlson O-Score	snapshot only																				-4.715
ROIC (Greenblatt)	snapshot only																				1.52%
Net-Net WC	snapshot only																				$-160.81

Credit

Metric	Q2'21	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	Current
Credit Rating	snapshot only																				A
Credit Score	57.20	59.18	57.13	57.40	83.11	83.22	85.10	85.05	79.90	78.69	74.27	54.79	53.81	55.58	56.40	68.23	54.08	56.52	71.82	72.58	72.582
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				4.354
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				68
Sector Credit Rank	snapshot only																				63

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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