OP Bancorp (OPBK)vsWells Fargo & Company (WFC)
OPBK
OP Bancorp
$14.34
-0.62%
FINANCIAL SERVICES · Cap: $213.43M
WFC
Wells Fargo & Company
$82.23
+0.88%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 86449% more annual revenue ($81.14B vs $93.75M). OPBK leads profitability with a 29.1% profit margin vs 26.7%. 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+
WFC
Strong Buy74
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
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 4.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : OPBK
The primary concerns for OPBK are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
OPBK is growing revenue faster at 12.3% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OPBK scores higher overall (79/100 vs 74/100), 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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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