OP BancorpFRA:OP3 -0.78%76 FCF Margin % is 30.96% as of Mar. 2026, which is 6% above its 10-year median of 29.30. 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. Among 1,504 Banks companies, OP Bancorp ranks better than 52.13% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. OP Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was €6.58 Mil. OP Bancorp's Revenue for the
three
months ended in Mar. 2026 was €21.24 Mil. Therefore, OP Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 30.96%.
The historical rank and industry rank for OP Bancorp's FCF Margin % or its related term are showing as below:
FRA:OP3'
s FCF Margin % Range Over the Past 10 Years
Min: -38.16 Med: 29.3 Max: 87.09
Current: 27.35
During the past 13 years, the highest FCF Margin % of OP Bancorp was 87.09%. The lowest was -38.16%. And the median was 29.30%.
FRA:OP3's FCF Margin % is ranked better than 52.13% of 1504
companies
in the Banks industry
Industry Median: 26.435
vs FRA:OP3: 27.35
OP Bancorp FCF Margin % Related Terms
OP Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for OP Bancorp's FCF Margin % 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.
FRA:OP3 vs FFMH, PEBK, CZWI: FCF Margin % Comparison
For the Banks - Regional subindustry, OP Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, OP Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where OP Bancorp's FCF Margin % falls into.
* 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 (FRA:OP3) has a FCF Margin % of 30.96% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on OP Bancorp and its competitors. This is near median its historical median of 29.30. According to the industry distribution chart, OP Bancorp ranks #720 out of 1504 companies in the Banks industry, placing it in the top 47.9%.
Is OP Bancorp's FCF Margin % too high?
OP Bancorp's current FCF Margin % of 30.96% is near median its 10-year median of 29.30. The Banks industry median FCF Margin % is 26.44. OP Bancorp's value of 30.96% is 17.1% above this industry median. Based on the distribution chart, OP Bancorp ranks #720 out of 1504 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to FFMH and PEBK?
According to the Banks industry distribution chart, OP Bancorp ranks #720 out of 1504 companies for FCF Margin %. This puts OP Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.44. OP Bancorp's value of 30.96% is 17.1% above this benchmark. While the company's 10-year median is 29.30 vs. the industry median of 26.44, OP Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.44, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OP Bancorp's current FCF Margin % of 30.96% is 17.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on OP Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OP Bancorp's current FCF Margin % is 30.96%, which is near median its own 10-year median of 29.30. 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 FCF Margin % of 30.96%. 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 FCF Margin % is 30.96%, which is near median its 10-year median of 29.30 and 17.1% above the Banks industry median of 26.44. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For OP Bancorp (FRA:OP3), the current FCF Margin % is 30.96% 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:
FCF Margin %: 30.96% (near median its 10-year median of 29.30)
GF Value™: €12.44 vs. price of €12.70 (2.1% above fair value)
Industry Position: 17.1% above the Banks median (#720 of 1504)
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 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
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