OP BancorpFRA:OP3 -0.78%76 Net Margin % is 29.46% as of Mar. 2026, which is 6% above its 10-year median of 27.71. 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 1,527 Banks companies, OP Bancorp ranks better than 54.88% on this metric.
Net margin is calculated as Net Income divided by its Revenue. OP Bancorp's Net Income for the
three
months ended in Mar. 2026 was €6.26 Mil. OP Bancorp's Revenue for the
three
months ended in Mar. 2026 was €21.24 Mil. Therefore, OP Bancorp's net margin for the quarter that ended in Mar. 2026 was 29.46%.
The historical rank and industry rank for OP Bancorp's Net Margin % or its related term are showing as below:
FRA:OP3'
s Net Margin % Range Over the Past 10 Years
Min: 19.89 Med: 27.71 Max: 37.43
Current: 28.15
FRA:OP3's Net Margin % is ranked better than 54.88% of 1527
companies
in the Banks industry
Industry Median: 26.82
vs FRA:OP3: 28.15
OP Bancorp (FRA:OP3) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
OP Bancorp Net Margin % Related Terms
OP Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for OP Bancorp's Net 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: Net Margin % Comparison
For the Banks - Regional subindustry, OP Bancorp's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, OP Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where OP Bancorp's Net 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 Net Margin % of 29.46% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on OP Bancorp and its competitors. This is near median its historical median of 27.71. Over the past decade, OP Bancorp's Net Margin % has ranged from 19.89 to 37.43. According to the industry distribution chart, OP Bancorp ranks #689 out of 1527 companies in the Banks industry, placing it in the top 45.1%.
Is OP Bancorp's Net Margin % too high?
OP Bancorp's current Net Margin % of 29.46% is near median its 10-year median of 27.71. Over the past 10 years, this metric has ranged from a low of 19.89 to a high of 37.43. The Banks industry median Net Margin % is 26.82. OP Bancorp's value of 29.46% is 9.8% above this industry median. Based on the distribution chart, OP Bancorp ranks #689 out of 1527 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 Net Margin % compare to FFMH and PEBK?
According to the Banks industry distribution chart, OP Bancorp ranks #689 out of 1527 companies for Net Margin %. This puts OP Bancorp in the upper half of its industry. The industry median Net Margin % is 26.82. OP Bancorp's value of 29.46% is 9.8% above this benchmark. Historically, OP Bancorp's own Net Margin % has ranged from 19.89 to 37.43 over the past decade. While the company's 10-year median is 27.71 vs. the industry median of 26.82, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.82, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OP Bancorp's current Net Margin % of 29.46% is 9.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on OP Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OP Bancorp's current Net Margin % is 29.46%, which is near median its own 10-year median of 27.71. 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 Margin % of 29.46%. 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 Net Margin % is 29.46%, which is near median its 10-year median of 27.71 and 9.8% above the Banks industry median of 26.82. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For OP Bancorp (FRA:OP3), the current Net Margin % is 29.46% 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:
Net Margin %: 29.46% (near median its 10-year median of 27.71)
GF Value™: €12.44 vs. price of €12.70 (2.1% above fair value)
Industry Position: 9.8% above the Banks median (#689 of 1527)
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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