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OP Bancorp · NASDAQ
Price: $14.15 · Annual div: $0.50/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in OPBK → $12.06M in 10 years · $7,357.07/month
OP Bancorp functions as the parent entity for Open Bank, a financial institution primarily offering banking solutions and services across California. Its diverse array of deposit products encompasses various checking, savings, money market, and demand accounts, along with certificates of deposit. The bank provides a wide range of lending options, including commercial real estate, Small Business Administration (SBA), and general commercial and industrial loans. Additionally, it finances single-family residences, home mortgages, consumer requirements, and offers term loans. The institution also supports international commerce through trade financing, letters of credit, SWIFT services, and export guidance. Beyond core offerings, Open Bank delivers modern conveniences such as debit and credit cards, online transfers, electronic bill payments, and e-statements. Its mobile banking platform, compatible with both iPhone and Android, enables remote check deposits and mobile bill pay. Essential banking services also include direct deposits, cashier's checks, person-to-person (P2P) payments, wire transfers, and Automated Clearing House (ACH) functionalities. For its business clients, the bank provides a comprehensive suite of cash management services. These feature balance reporting, inter-account transfers, initiation of wire and ACH payments, stop payment capabilities, remote deposit capture, positive pay, zero balance accounts, and sweep accounts. As of January 27, 2022, the company maintained a physical presence of nine full-service branches located in Downtown Los Angeles, the Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California, as well as in Carrollton, Texas. Furthermore, Open Bank operated four loan production offices in Atlanta, Georgia; Aurora, Colorado; and in Lynnwood and Seattle, Washington. OP Bancorp was established in 2005 and is headquartered in Los Angeles, California.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold OPBK.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.53% | 0.73% | $353 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.00% | 0.20% | $300 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.82% | 0.02% | $282 / yr |
| 🇬🇧 UK ISA | 0% | 3.53% | 0.73% | $353 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.22% | 0.42% | $322 / yr |
| 🇨🇦 TFSA | 0% | 3.53% | 0.73% | $353 / yr |
| 🇨🇦 CA Taxable | 25% | 2.65% | -0.15% | $265 / yr |
| 🇦🇺 Super (pension) | 15% | 3.00% | 0.20% | $300 / yr |
| 🇦🇺 AU Taxable | 30% | 2.47% | -0.33% | $247 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.60% | -0.20% | $260 / yr |
| 🇫🇷 FR Taxable | 30% | 2.47% | -0.33% | $247 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.50/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
OPBK pays quarterly — 4 times per year. Next ex-div: TBD.
How OPBK compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for OPBK sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2026-05-28 | 2,408 | — | — | ||
| A-Award | 2026-05-28 | 2,134 | — | — | ||
| M-Exempt | 2026-05-28 | 2,408 | — | — | ||
| M-Exempt | 2026-05-28 | 2,408 | — | — | ||
| A-Award | 2026-05-28 | 2,134 | — | — | ||
| M-Exempt | 2026-05-28 | 2,408 | — | — | ||
| M-Exempt | 2026-05-28 | 2,408 | — | — | ||
| A-Award | 2026-05-28 | 2,134 | — | — | ||
| M-Exempt | 2026-05-28 | 2,408 | — | — | ||
| M-Exempt | 2026-05-28 | 2,408 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the OPBK dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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