Oversold

OPBK

Valuation39/ 100
Cash flow & growth69/ 100
Upside potential40/ 100
Risk potential30/ 100

OPBK's valuation is somewhat elevated while fundamentals provide solid support and the outlook sends mixed signals, though analyst coverage is limited.

Score change since last week

The score fell 5 points, mainly due to valuation and price changes. Price rose 2.2%, from $15.13 to $15.46. Reported EPS was unchanged, so the higher price reduced valuation support.

Valuation and price changes subtracted 4.3 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Historical cheapness: current PE is 8× versus the full-history median of 7× shown in the valuation table, producing 40.4/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 39.4/100. The model applies a 8.3% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 8.1× (18-month half-life). The favorable scenario uses 8.2× PE and $2.3 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are strong. Over the past year: revenue +7.1%, earnings +30.4%, operating margin +4.4 percentage points. The business score is 69.4/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Stronger earnings and valuation could support a higher share price.

Our favorable case uses $2.26 of EPS and a 8.2× PE, suggesting a share price of about $18.63 — 20% above today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $1.63 of EPS and a 6.6× PE, suggesting a share price of about $10.82 — 30% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

OPBK vs Historical averages

MetricCurrentAverageRelative
PE8x6.9x17% higher
PE percentile665032% higher
EPS$1.93$1.5823% higher
FCF$23.5M$30.1M22% lower
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OPBK’s fundamentals are mixed relative to their historical averages, while its earnings multiple is higher.

OPBK Forward outlook

MetricOutlook
Forward valuationStable
Forward earningsStable
Forward revenueStrong decline
Forward profitabilityStrongly expanding
Analyst coverageLimited
Estimate dispersionTight

OPBK’s outlook is mixed, with declining sales expectations a concern.

OPBK PE Valuation

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This table applies OPBK's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

OPBK Earnings Per Share

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This chart tracks OPBK's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

OPBK Quarterly Revenue

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This chart tracks OPBK's quarterly revenue over time and shows how sales are changing from year to year.

OPBK Free Cash Flow

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This chart tracks OPBK's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

OPBK Total Shares

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This chart tracks changes in OPBK's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

OPBK Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

OPBK PE vs Financial Services Sector

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This chart compares OPBK's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

OPBK Weekly Price

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This chart uses OPBK's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

OPBK Weekly Moving Averages

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This chart compares OPBK's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

OPBK Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.