OP Bancorp (FRA:OP3) Cyclically Adjusted FCF per Share: €1.44 (As of Mar. 2026)

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FRA:OP3 OP Bancorp FRA:OP3
77 GF Score
Price €12.70
GF Value €11.69
! 3 Warning Signs
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What is OP Bancorp Cyclically Adjusted FCF per Share?

OP Bancorp FRA:OP3 +0.79% 77 Cyclically Adjusted FCF per Share is €1.44 as of Mar. 2026. GuruFocus rates FRA:OP3 with a GF Score™ of 77/100 and a GF Value™ of €11.69. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

OP Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was €0.440. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €1.44 for the trailing ten years ended in Mar. 2026.

During the past 12 months, OP Bancorp's average Cyclically Adjusted FCF Growth Rate was 4.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-27), OP Bancorp's current stock price is €12.70. OP Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €1.44. OP Bancorp's Cyclically Adjusted Price-to-FCF of today is 8.82.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of OP Bancorp was 10.91. The lowest was 5.32. And the median was 7.88.


OP Bancorp  (FRA:OP3) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

OP Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=12.70/1.44
=8.82

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of OP Bancorp was 10.91. The lowest was 5.32. And the median was 7.88.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


OP Bancorp Cyclically Adjusted FCF per Share Related Terms


OP Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for OP Bancorp's Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share Chart

OP Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 1.34 1.20 1.37

OP Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share 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 1.43 1.26 1.38 1.37 1.44

FRA:OP3 vs FFMH, NKSH, MRBK: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, OP Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


OP Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, OP Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where OP Bancorp's Cyclically Adjusted Price-to-FCF falls into.


FRA:OP3
77GF Score
OP Bancorp FRA:OP3
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OP Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, OP Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.44/330.2130*330.2130
=0.440

Current CPI (Mar. 2026) = 330.2130.

OP Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201412 0.000 234.812 0.000
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201703 0.153 243.801 0.207
201706 -0.007 244.955 -0.009
201709 -0.339 246.819 -0.454
201712 0.052 246.524 0.070
201803 -0.109 249.554 -0.144
201806 0.641 251.989 0.840
201809 0.640 252.439 0.837
201812 0.347 251.233 0.456
201903 0.106 254.202 0.138
201906 0.267 256.143 0.344
201909 0.443 256.759 0.570
201912 0.154 256.974 0.198
202003 0.123 258.115 0.157
202006 -0.266 257.797 -0.341
202009 -1.358 260.280 -1.723
202012 1.157 260.474 1.467
202103 0.259 264.877 0.323
202106 -1.853 271.696 -2.252
202109 -1.325 274.310 -1.595
202112 1.362 278.802 1.613
202203 0.718 287.504 0.825
202206 1.350 296.311 1.504
202209 3.036 296.808 3.378
202212 0.162 296.797 0.180
202303 2.712 301.836 2.967
202306 0.482 305.109 0.522
202309 0.918 307.789 0.985
202312 -0.100 306.746 -0.108
202403 -0.199 312.332 -0.210
202406 0.980 314.175 1.030
202409 0.776 315.301 0.813
202412 0.289 315.605 0.302
202503 0.261 319.799 0.269
202506 -0.448 322.561 -0.459
202509 1.336 324.800 1.358
202512 0.197 324.054 0.201
202603 0.440 330.213 0.440

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €1.44 mean?
OP Bancorp (FRA:OP3) has a Cyclically Adjusted FCF per Share of €1.44 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on OP Bancorp and its competitors.
Is OP Bancorp's Cyclically Adjusted FCF per Share too high?
OP Bancorp's current Cyclically Adjusted FCF per Share is €1.44. Overall, OP Bancorp has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does OP Bancorp's Cyclically Adjusted FCF per Share compare to FFMH and NKSH?
OP Bancorp's Cyclically Adjusted FCF per Share of €1.44 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 Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on OP Bancorp and its competitors. OP Bancorp's current Cyclically Adjusted FCF per Share is €1.44. 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 Cyclically Adjusted FCF per Share of €1.44. The stock's GF Value™ is €11.69, compared to a current price of €12.70 — trading 8.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €1.44. OP Bancorp's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For OP Bancorp (FRA:OP3), the current Cyclically Adjusted FCF per Share is €1.44 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 €12.70 is trading 8.6% above its estimated GF Value™ of €11.69.

Key valuation signals for FRA:OP3:

  • Cyclically Adjusted FCF per Share: €1.44
  • GF Value™: €11.69 vs. price of €12.70 (8.6% above fair value)
  • GF Score™: 77/100 with 3 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.
77GF Score

Get the complete analysis for FRA:OP3

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.70
Price
€11.69
GF Value