OP Bancorp (FRA:OP3) E10: €1.34 (As of Mar. 2026)


FRA:OP3 OP Bancorp FRA:OP3
76 GF Score
Price €12.70
GF Value €12.44
! 3 Warning Signs
View Full Analysis

What is OP Bancorp E10?

OP Bancorp FRA:OP3 -0.78% 76 E10 is €1.34 as of Mar. 2026. GuruFocus rates FRA:OP3 with a GF Score™ of 76/100 and a GF Value™ of €12.44. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

OP Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.415. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €1.34 for the trailing ten years ended in Mar. 2026.

During the past 12 months, OP Bancorp's average E10 Growth Rate was 15.60% 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 E10 growth rate using E10 data.

As of today (2026-07-09), OP Bancorp's current stock price is €12.70. OP Bancorp's E10 for the quarter that ended in Mar. 2026 was €1.34. OP Bancorp's Shiller PE Ratio of today is 9.48.

During the past 13 years, the highest Shiller PE Ratio of OP Bancorp was 16.11. The lowest was 7.81. And the median was 10.52.


OP Bancorp  (FRA:OP3) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

OP Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=12.70/1.34
=9.48

* 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 Shiller P/E Ratio of OP Bancorp was 16.11. The lowest was 7.81. And the median was 10.52.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


OP Bancorp E10 Related Terms


OP Bancorp E10 Historical Data

* Premium members only.

The historical data trend for OP Bancorp's E10 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 E10 Chart

OP Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.81 0.93 1.28

OP Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 1.20 1.21 1.27 1.28 1.34

FRA:OP3 vs FFMH, PEBK, CZWI: E10 Comparison

For the Banks - Regional subindustry, OP Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, OP Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where OP Bancorp's Shiller PE Ratio falls into.


FRA:OP3
76GF Score
OP Bancorp FRA:OP3
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OP Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.415/330.2130*330.2130
=0.415

Current CPI (Mar. 2026) = 330.2130.

OP Bancorp Quarterly Data

per share eps CPI Adj_EPS
201412 0.000 234.812 0.000
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201703 0.140 243.801 0.190
201706 0.160 244.955 0.216
201709 0.159 246.819 0.213
201712 0.118 246.524 0.158
201803 0.178 249.554 0.236
201806 0.197 251.989 0.258
201809 0.180 252.439 0.235
201812 0.202 251.233 0.266
201903 0.257 254.202 0.334
201906 0.204 256.143 0.263
201909 0.218 256.759 0.280
201912 0.234 256.974 0.301
202003 0.190 258.115 0.243
202006 0.142 257.797 0.182
202009 0.195 260.280 0.247
202012 0.205 260.474 0.260
202103 0.277 264.877 0.345
202106 0.349 271.696 0.424
202109 0.459 274.310 0.553
202112 0.522 278.802 0.618
202203 0.481 287.504 0.552
202206 0.511 296.311 0.569
202209 0.556 296.808 0.619
202212 0.481 296.797 0.535
202303 0.448 301.836 0.490
202306 0.360 305.109 0.390
202309 0.309 307.789 0.332
202312 0.312 306.746 0.336
202403 0.313 312.332 0.331
202406 0.334 314.175 0.351
202409 0.324 315.301 0.339
202412 0.315 315.605 0.330
202503 0.342 319.799 0.353
202506 0.364 322.561 0.373
202509 0.383 324.800 0.389
202512 0.401 324.054 0.409
202603 0.415 330.213 0.415

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €1.34 mean?
OP Bancorp (FRA:OP3) has a E10 of €1.34 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on OP Bancorp and its competitors.
Is OP Bancorp's E10 too high?
OP Bancorp's current E10 is €1.34. Overall, OP Bancorp has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does OP Bancorp's E10 compare to FFMH and PEBK?
OP Bancorp's E10 of €1.34 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on OP Bancorp and its competitors. OP Bancorp's current E10 is €1.34. 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 E10 of €1.34. The stock's GF Value™ is €12.44, compared to a current price of €12.70 — trading 2.1% above its estimated fair value. The current E10 is €1.34. OP Bancorp's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For OP Bancorp (FRA:OP3), the current E10 is €1.34 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 2.1% above its estimated GF Value™ of €12.44.

Key valuation signals for FRA:OP3:

  • E10: €1.34
  • GF Value™: €12.44 vs. price of €12.70 (2.1% above fair value)
  • GF Score™: 76/100 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.
76GF Score

Get the complete analysis for FRA:OP3

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.70
Price
€12.44
GF Value