OP Bancorp (OPBK)vsU.S. Bancorp (USB)
OPBK
OP Bancorp
$13.64
-3.40%
FINANCIAL SERVICES · Cap: $210.16M
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 28325% more annual revenue ($26.65B vs $93.75M). USB leads profitability with a 29.3% profit margin vs 29.1%. OPBK appears more attractively valued with a PEG of 0.97. OPBK earns a higher WallStSmart Score of 79/100 (B+).
OPBK
Strong Buy79
out of 100
Grade: B+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 45.8%
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Earnings expanding 30.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OPBK
The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.1% and operating margin at 45.8%. Revenue growth of 12.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : OPBK
The primary concerns for OPBK are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
OPBK profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
OPBK is growing revenue faster at 12.3% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
OPBK scores higher overall (79/100 vs 71/100), backed by strong 29.1% margins and 12.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
OP Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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