OP Bancorp (FRA:OP3) Net Loan: €1,916.28 Mil (As of Mar. 2026)

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FRA:OP3 OP Bancorp FRA:OP3
74 GF Score
Price €13.30
GF Value €12.17
! 4 Warning Signs
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What is OP Bancorp Net Loan?

OP Bancorp FRA:OP3 -1.48% 74 Net Loan is €1,916.28 Mil as of Mar. 2026. GuruFocus rates FRA:OP3 with a GF Score™ of 74/100 and a GF Value™ of €12.17. The stock has 4 warning signs investors should review.

OP Bancorp's quarterly net loan increased from Sep. 2025 (€1,815.10 Mil) to Dec. 2025 (€1,859.28 Mil) and increased from Dec. 2025 (€1,859.28 Mil) to Mar. 2026 (€1,916.28 Mil).

OP Bancorp's annual net loan increased from Dec. 2023 (€1,600.76 Mil) to Dec. 2024 (€1,859.28 Mil) and increased from Dec. 2024 (€1,859.28 Mil) to Dec. 2025 (€1,916.28 Mil).

OP Bancorp Net Loan Historical Data

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The historical data trend for OP Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

OP Bancorp Net Loan Chart

OP Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,227.78 1,608.00 1,600.76 1,849.49 1,859.28

OP Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,790.62 1,815.10 1,859.28 1,916.28 1,954.97
FRA:OP3
74GF Score
OP Bancorp FRA:OP3
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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OP Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €1,916.28 Mil mean?
OP Bancorp (FRA:OP3) has a Net Loan of €1,916.28 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on OP Bancorp and its competitors.
Is OP Bancorp's Net Loan too high?
OP Bancorp's current Net Loan is €1,916.28 Mil. Overall, OP Bancorp has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does OP Bancorp's Net Loan compare to FFMH and NKSH?
OP Bancorp's Net Loan of €1,916.28 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on OP Bancorp and its competitors. OP Bancorp's current Net Loan is €1,916.28 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OP Bancorp stock overvalued right now?
OP Bancorp (FRA:OP3) has a current Net Loan of €1,916.28 Mil. The stock's GF Value™ is €12.17, compared to a current price of €13.30 — trading 9.3% above its estimated fair value. The current Net Loan is €1,916.28 Mil. OP Bancorp's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For OP Bancorp (FRA:OP3), the current Net Loan is €1,916.28 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is OP Bancorp (FRA:OP3) Overvalued in 2026?

Based on GuruFocus' analysis, OP Bancorp stock appears to be overvalued. The current stock price of €13.30 is trading 9.3% above its estimated GF Value™ of €12.17.

Key valuation signals for FRA:OP3:

  • Net Loan: €1,916.28 Mil
  • GF Value™: €12.17 vs. price of €13.30 (9.3% above fair value)
  • GF Score™: 74/100 with 4 warning signs

No single metric tells the full story. See the FRA:OP3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

OP Bancorp Business Description

Other Exchanges OPBK:USA
Address 1000 Wilshire Boulevard, Suite 500, Los Angeles, CA, USA, 90017
OP Bancorp operates its commercial community banking activities through Open Bank its wholly owned banking subsidiary. It provides commercial banking services to small and medium-sized businesses, their owners, and retail customers, with a focus on the Korean-American community. The bank currently operate twelve full service branches: nine branches across Los Angeles and Orange Counties in California, as well as one branch each in Santa Clara, California; Carrollton, Texas; and Las Vegas, Nevada. Additionally, it maintains five loan production offices located in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia. Substantially all its business activities are conducted through the Bank.
74GF Score

Get the complete analysis for FRA:OP3

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€13.30
Price
€12.17
GF Value