DDM Analysis: OPBK

Valuation Snapshot

Stable Growth	$45.35 - $165.82	$75.74
Multi-Stage	$28.92 - $31.61	$30.24
Blended Fair Value	$52.99
Current Price	$13.92
Upside	280.67%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	17.78%	0.00%	0.48	0.49	0.45	0.35	0.29	0.21	0.00	0.00	0.00	0.00
YoY Growth	-	-	-1.73%	8.88%	30.09%	20.41%	35.26%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	4.00%	4.91%	5.04%	2.49%	2.73%	2.84%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	23.57
(-) Cash Dividends Paid (M)	7.12
(=) Cash Retained (M)	16.45

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	4.71	2.95	1.77
Cash Retained (M)	16.45	16.45	16.45
(-) Cash Required (M)	-4.71	-2.95	-1.77
(=) Excess Retained (M)	11.74	13.51	14.68
(/) Shares Outstanding (M)	14.86	14.86	14.86
(=) Excess Retained per Share	0.79	0.91	0.99
LTM Dividend per Share	0.48	0.48	0.48
(+) Excess Retained per Share	0.79	0.91	0.99
(=) Adjusted Dividend	1.27	1.39	1.47
WACC / Discount Rate	8.45%	8.45%	8.45%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$45.35	$75.74	$165.82
Upside / Downside	225.80%	444.11%	1,091.22%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	23.57	25.10	26.73	28.47	30.32	32.29	33.26
Payout Ratio	30.19%	42.15%	54.11%	66.08%	78.04%	90.00%	92.50%
Projected Dividends (M)	7.12	10.58	14.46	18.81	23.66	29.06	30.76

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.45%	8.45%	8.45%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	9.66	9.76	9.85
Year 2 PV (M)	12.07	12.30	12.53
Year 3 PV (M)	14.34	14.75	15.17
Year 4 PV (M)	16.47	17.10	17.75
Year 5 PV (M)	18.48	19.37	20.30
PV of Terminal Value (M)	358.85	376.19	394.18
Equity Value (M)	429.87	449.46	469.78
Shares Outstanding (M)	14.86	14.86	14.86
Fair Value	$28.92	$30.24	$31.61
Upside / Downside	107.77%	117.24%	127.06%

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OP Bancorp (OPBK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener