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OPBK vs V

OPBK
OP Bancorp
BULLISH
Price
$14.12
Market Cap
$210.3M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
OPBK
8.21
V
28.35
Forward P/E
OPBK
6.8
V
20.79
P/B Ratio
OPBK
0.92
V
15.09
P/S Ratio
OPBK
2.31
V
14.08
EV/EBITDA
OPBK
--
V
20.06

Profitability

Gross Margin
OPBK
0.0%
V
97.78%
Operating Margin
OPBK
44.48%
V
68.3%
Profit Margin
OPBK
28.14%
V
50.23%
ROE
OPBK
11.84%
V
53.95%
ROA
OPBK
1.02%
V
18.36%

Growth

Revenue Growth
OPBK
20.3%
V
14.6%
Earnings Growth
OPBK
42.7%
V
17.4%

Financial Health

Debt/Equity
OPBK
--
V
0.55
Current Ratio
OPBK
--
V
1.11
Quick Ratio
OPBK
--
V
0.72

Dividends

Dividend Yield
OPBK
3.4%
V
0.89%
Payout Ratio
OPBK
27.91%
V
22.91%

AI Verdict

OPBK BULLISH

OPBK presents a compelling deep-value opportunity, trading significantly below its Graham Number ($24.34) and Intrinsic Value ($50.74). While the Piotroski F-Score of 4/9 indicates only stable financial health and technical trends are currently bearish, the company's fundamental growth is robust with YoY earnings growth of 42.70%. The stock is trading at a discount to book value (P/B 0.92) and a low P/E of 8.21, suggesting significant margin of safety. The bullish outlook is driven by strong profitability and valuation, despite weak insider sentiment.

Strengths
Deep value valuation with P/B of 0.92 and P/E of 8.21
Strong growth profile with 42.70% YoY earnings growth
Significant margin of safety relative to Graham Number ($24.34)
Risks
Bearish technical trend (0/100) suggesting short-term momentum headwinds
Weak insider sentiment (30/100) including CFO selling
Piotroski F-Score of 4/9 indicates only mediocre financial health
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

OPBK vs V: Head-to-Head Comparison

This page compares OP Bancorp (OPBK) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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