Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.35 | 7.21 | 7.07 | 6.93 | 7.51 | 7.73 | 7.73 | 8.12 | 11.98 | 8.67 | 6.66 | 7.34 | 8.05 | 6.93 | 5.40 | 4.64 | 5.47 | 5.05 | 4.86 | 6.53 | 5.41 |
| — | -6.7% | -8.6% | -14.7% | -37.3% | -10.8% | +16.1% | +10.7% | +48.8% | +25.0% | +23.2% | +58.1% | +47.2% | +37.1% | +11.3% | -29.0% | +1.2% | +6.0% | -18.9% | -18.0% | -29.8% | |
| P/S Ratio | 2.15 | 2.04 | 2.18 | 2.02 | 2.17 | 2.12 | 2.04 | 2.01 | 2.74 | 2.23 | 1.75 | 1.91 | 2.07 | 1.74 | 1.53 | 1.54 | 1.82 | 1.69 | 1.63 | 2.45 | 1.99 |
| — | -3.9% | +6.9% | +0.7% | -21.0% | -4.8% | +16.5% | +5.0% | +32.7% | +28.1% | +14.1% | +24.4% | +13.7% | +3.1% | -6.2% | -37.4% | -8.7% | -13.2% | -27.8% | -2.7% | +6.7% | |
| P/B Ratio | 0.97 | 0.93 | 0.94 | 0.85 | 0.92 | 0.94 | 0.90 | 0.85 | 1.14 | 0.91 | 0.73 | 0.77 | 0.85 | 0.75 | 0.70 | 0.74 | 0.96 | 1.00 | 0.94 | 1.27 | 1.18 |
| — | -0.3% | +3.9% | +0.4% | -19.1% | +3.3% | +24.1% | +10.6% | +33.7% | +20.8% | +4.5% | +3.5% | -11.2% | -24.7% | -26.2% | -41.6% | -18.1% | +1.2% | -5.9% | +17.9% | +45.0% | |
| P/FCF | 8.53 | 2.19 | — | 6.53 | — | 2.22 | — | 10.58 | 13.09 | 3.61 | 2.27 | — | — | 2.33 | 4.04 | 0.77 | 16.31 | 0.92 | 1.84 | 4.38 | 2.07 |
| — | -1.4% | — | -38.3% | — | -38.5% | — | — | — | +54.5% | -43.9% | — | — | +152.4% | +119.6% | -82.5% | +686.6% | — | — | -48.7% | +51.4% | |
| EV / EBITDA | -2.07 | 2.19 | 7.06 | 3.10 | -2.27 | 2.19 | 1.41 | 1.99 | 7.22 | 3.20 | 4.39 | 4.09 | 6.13 | 4.70 | 1.96 | 0.35 | 2.13 | 1.64 | 0.75 | 1.91 | 1.69 |
| — | -0.3% | +401.3% | +56.0% | -131.5% | -31.6% | -67.9% | -51.5% | +17.9% | -31.9% | +124.5% | +1061.0% | +187.8% | +186.8% | +162.3% | -81.6% | +26.3% | +471.6% | -9.2% | +29.7% | +62.7% | |
| EV / EBIT | -2.61 | 2.19 | 7.06 | 3.74 | -2.66 | 3.30 | 1.47 | 2.08 | 7.58 | 3.35 | 4.58 | 4.30 | 6.43 | 4.90 | 2.03 | 0.36 | 2.19 | 1.69 | 0.76 | 1.98 | 1.73 |
| — | -33.8% | +378.9% | +80.3% | -135.1% | -1.4% | -67.9% | -51.7% | +17.9% | -31.8% | +125.4% | +1082.4% | +192.9% | +190.8% | +166.4% | -81.6% | +27.0% | +471.5% | -10.3% | +28.2% | +57.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.2% | 94.2% | 100.6% | 98.3% | 98.1% | 95.2% | 94.9% | 96.7% | 92.8% | 97.8% | 97.0% | 99.3% | 96.8% | 93.2% | 100.0% | 101.5% | 95.8% | 97.4% | 95.9% | 98.4% | 92.2% |
| — | -1.1% | +6.0% | +1.7% | +5.8% | -2.7% | -2.1% | -2.6% | -4.2% | +5.0% | -3.0% | -2.2% | +1.1% | -4.3% | +4.2% | +3.2% | +3.9% | -6.7% | -10.0% | +2.5% | +4.5% | |
| Operating Margin | 37.3% | 37.8% | 42.9% | 40.4% | 39.2% | 39.5% | 35.7% | 34.6% | 31.2% | 36.5% | 37.2% | 37.1% | 36.6% | 35.3% | 41.0% | 47.9% | 47.5% | 48.3% | 48.9% | 53.5% | 52.9% |
| — | -4.4% | +20.4% | +16.8% | +25.6% | +8.2% | -4.0% | -6.9% | -14.8% | +3.6% | -9.4% | -22.4% | -22.8% | -27.1% | -16.0% | -10.5% | -10.2% | -15.3% | -10.1% | +17.9% | +54.5% | |
| Net Margin | 27.1% | 28.2% | 31.0% | 29.5% | 29.1% | 27.4% | 26.7% | 25.0% | 23.3% | 26.2% | 26.7% | 26.7% | 26.0% | 25.7% | 29.2% | 34.0% | 34.3% | 34.4% | 34.7% | 37.9% | 37.5% |
| — | +3.1% | +16.0% | +17.8% | +24.8% | +4.5% | +0.2% | -6.4% | -10.4% | +1.9% | -8.7% | -21.3% | -24.2% | -25.2% | -15.8% | -10.4% | -8.5% | -16.1% | -8.6% | +17.4% | +52.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.9% | 3.2% | 3.4% | 3.1% | 3.1% | 3.1% | 3.0% | 2.7% | 2.4% | 2.7% | 2.8% | 2.7% | 2.7% | 2.8% | 3.3% | 4.2% | 4.6% | 5.1% | 5.1% | 4.9% | 5.6% |
| — | +5.3% | +13.3% | +17.2% | +29.1% | +13.2% | +7.4% | -0.7% | -11.3% | -2.2% | -16.0% | -35.4% | -40.7% | -45.4% | -34.4% | -15.1% | -18.0% | -4.1% | +18.5% | +40.8% | +110.6% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.5% |
| — | +8.0% | +17.5% | +18.7% | +28.3% | +11.4% | +3.8% | -4.4% | -13.3% | -2.6% | -14.7% | -32.5% | -38.1% | -45.3% | -36.9% | -22.2% | -27.4% | -13.2% | +7.0% | +26.2% | +90.2% | |
| ROIC | 8.1% | 2.2% | 2.4% | 2.1% | 2.2% | 2.5% | 2.2% | 1.9% | 1.7% | 1.9% | 1.8% | 1.8% | 1.8% | 1.9% | 2.5% | 3.7% | 4.4% | 5.0% | 5.0% | 4.9% | 5.6% |
| — | -10.0% | +7.9% | +12.1% | +29.1% | +32.6% | +23.1% | +8.3% | -8.4% | -0.7% | -27.8% | -52.1% | -58.5% | -61.9% | -50.5% | -24.8% | -21.1% | -5.5% | +17.8% | +45.4% | +122.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.54 | 0.46 | 0.46 | 0.47 | 0.54 | 0.39 | 0.29 | 0.40 | 0.50 | 0.41 | 0.63 | 0.59 | 0.59 | 0.57 | 0.47 | 0.33 | 0.06 | 0.11 | 0.06 | 0.06 | 0.06 |
| — | +16.3% | +57.5% | +18.1% | +6.6% | -4.3% | -54.0% | -31.9% | -15.5% | -28.0% | +36.0% | +78.8% | +928.3% | +397.0% | +744.6% | +455.5% | -7.5% | +69.8% | +10.6% | -33.1% | -33.4% | |
| Debt / EBITDA | 2.86 | 10.53 | 9.92 | 9.19 | 10.93 | 5.96 | 7.04 | 10.48 | 14.71 | 10.54 | 15.69 | 15.02 | 14.93 | 14.33 | 9.61 | 5.53 | 0.89 | 1.56 | 0.76 | 0.83 | 0.78 |
| — | +76.6% | +40.8% | -12.3% | -25.7% | -43.4% | -55.1% | -30.2% | -1.5% | -26.4% | +63.3% | +171.8% | +1576.0% | +820.3% | +1157.9% | +567.9% | +14.3% | +72.1% | -4.5% | -52.6% | -67.2% | |
| Current Ratio | 1.91 | 0.18 | 3.24 | 0.08 | 1.91 | 0.08 | 0.09 | 0.09 | 0.07 | 0.18 | 0.17 | 0.18 | 0.16 | 0.17 | 0.19 | 0.21 | 0.16 | 0.16 | 0.18 | 0.18 | 0.18 |
| — | +135.8% | +3315.5% | -18.7% | +2611.7% | -57.1% | -44.7% | -46.0% | -56.3% | +8.7% | -9.4% | -16.5% | +1.6% | +0.7% | +5.5% | +18.7% | -9.9% | -16.3% | +5.5% | -2.3% | +4.8% | |
| Quick Ratio | 1.91 | 0.18 | 3.24 | 0.08 | 1.91 | 0.08 | 0.09 | 0.09 | 0.07 | 0.18 | 0.17 | 0.18 | 0.16 | 0.17 | 0.19 | 0.21 | 0.16 | 0.16 | 0.18 | 0.18 | 0.18 |
| — | +135.8% | +3315.5% | -18.7% | +2611.7% | -57.1% | -44.7% | -46.0% | -56.3% | +8.7% | -9.4% | -16.5% | +1.6% | +0.7% | +5.5% | +18.7% | -9.9% | -16.3% | +5.5% | -2.3% | +4.8% | |
| Interest Coverage | 0.49 | 0.54 | 0.61 | 0.55 | 0.52 | 0.53 | 0.47 | 0.44 | 0.37 | 0.40 | 0.42 | 0.43 | 0.47 | 0.51 | 0.67 | 0.99 | 1.66 | 4.21 | 11.17 | 17.59 | 17.76 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying OPBK stock.
OP Bancorp's current P/E is 7.3x. The average P/E over the last 4 quarters is 7.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
OP Bancorp's current operating margin is 37.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking OP Bancorp's business trajectory between earnings reports.