OPBK vs INBK

Comparison between OP Bancorp (OPBK, Company) and First Internet Bancorp (INBK, Company).

Both OPBK and INBK are from the Financial Services sector.

5-Year PerformanceOPBK has outperformed INBK, delivering a return of +12.1% compared to -1.9%

OPBK vs INBK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OPBK(COMPANY)	INBK(COMPANY)
Market Cap	$235M	$233M
Max Drawdown	98.24%	81.52%
Sharpe Ratio	0.79	0.47
5Y Beta	0.82	1.12
Industry	Banks - Regional	Banks - Regional
P/E Ratio	8.59	-6.16
Forward P/E	9.01	8.45
PEG Ratio	0.32	0.00
Dividend Yield	3.17%	0.89%
5Y Dividends CAGR	17.23%	4.56%
5Y EPS CAGR	13.13%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	11.40%	19.21%
P/S Ratio	2.42	4.92
P/B Ratio	0.98	0.65

Market Cap

Winner

OPBK

$235M

INBK

$233M

Max Drawdown

OPBK

98.24%

Winner

INBK

81.52%

Sharpe Ratio

Winner

OPBK

0.79

INBK

0.47

5Y Beta

Winner

OPBK

0.82

INBK

1.12

Industry

OPBK

Banks - Regional

INBK

Banks - Regional

P/E Ratio

OPBK

8.59

Winner

INBK

-6.16

Forward P/E

OPBK

9.01

Winner

INBK

8.45

PEG Ratio

OPBK

0.32

Winner

INBK

0.00

Dividend Yield

Winner

OPBK

3.17%

INBK

0.89%

5Y Dividends CAGR

Winner

OPBK

17.23%

INBK

4.56%

5Y EPS CAGR

OPBK

13.13%

INBK

N/A

Debt to Equity

OPBK

0.00%

INBK

0.00%

Free Cash Flow Yield

OPBK

11.40%

Winner

INBK

19.21%

P/S Ratio

Winner

OPBK

2.42

INBK

4.92

P/B Ratio

OPBK

0.98

Winner

INBK

0.65

OPBK vs INBK - Historical Returns

Returns include dividend reinvestment.

Period	OPBK	INBK
1 month	+5.14%	-5.43%
3 months	+10.96%	+14.95%
6 months	+14.77%	+21.27%
1 year	+26.43%	+19.42%
5 years(CAGR)	+12.14%	-1.88%
10 years(CAGR)	+12.85%	+2.03%
Max(CAGR)	+2.52%	+5.45%

Winner

OPBK

+5.14%

INBK

-5.43%

OPBK

+10.96%

Winner

INBK

+14.95%

OPBK

+14.77%

Winner

INBK

+21.27%

Winner

OPBK

+26.43%

INBK

+19.42%

5Y(CAGR)

Winner

OPBK

+12.14%

INBK

-1.88%

10Y(CAGR)

Winner

OPBK

+12.85%

INBK

+2.03%

Max(CAGR)

OPBK

+2.52%

Winner

INBK

+5.45%

OPBK vs INBK - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

Year	OPBK	INBK
2026	+14.77%	+29.34%
2025	-4.46%	-40.28%
2024	+49.76%	+50.25%
2023	+2.33%	+0.13%
2022	-10.46%	-49.03%
2021	+73.27%	+70.06%
2020	-21.74%	+21.31%
2019	+17.91%	+13.55%
2018	-9.30%	-45.26%
2017	+27.27%	+21.07%
2016	+19.38%	+14.11%
2015	-7.75%	+73.58%
2014	-5.96%	-22.75%
2013	+257.14%	+60.47%
2012	+61.54%	+107.44%
2011	-16.13%	-15.00%
2010	+287.50%	+65.41%
2009	-87.69%	-26.92%
2008	-45.83%	-33.09%
2007	-55.06%	-15.79%
2006	+15.58%	+5.56%
2005	-5.71%	+5.52%
2004	N/A	+0.00%

OPBK vs INBK Drawdown Comparison

The maximum drawdown for OPBK was -98.24%, occurring on Aug 26, 2009. Recovery took 3915 trading sessions.

The maximum drawdown for INBK was -81.31%, occurring on May 11, 2023. This drawdown has not yet recovered.

The current OPBK drawdown is -8.91%. The current INBK drawdown is -48.01%.

Rank	OPBK	INBK
#1	-98.24% May 8, 2006 - Nov 23, 2021	-81.31% Jan 13, 2022 - May 11, 2023
#2	-45.02% Feb 7, 2022 - Aug 30, 2024	-78.70% Jun 6, 2005 - Dec 6, 2012
#3	-41.81% Dec 4, 2024 - Apr 11, 2025	-69.51% Jan 19, 2018 - Nov 3, 2021
#4	-16.00% Aug 5, 2005 - Jan 27, 2006	-57.30% Aug 12, 2013 - Aug 5, 2015
#5	-15.54% Nov 29, 2021 - Jan 31, 2022	-38.07% Aug 17, 2015 - Oct 20, 2017
#6	-6.52% Aug 30, 2024 - Oct 11, 2024	-22.10% Feb 25, 2013 - Jun 19, 2013
#7	-6.15% Jan 27, 2006 - Feb 27, 2006	-14.00% May 20, 2005 - Jun 6, 2005
#8	-5.81% Jan 31, 2022 - Feb 7, 2022	-10.44% Jul 22, 2013 - Aug 2, 2013
#9	-3.51% Oct 29, 2024 - Nov 6, 2024	-10.34% Dec 28, 2004 - Feb 9, 2005
#10	-3.44% Nov 23, 2021 - Nov 29, 2021	-8.31% Oct 27, 2017 - Nov 29, 2017
#11	-3.14% Nov 6, 2024 - Nov 11, 2024	-8.09% Nov 23, 2021 - Dec 29, 2021
#12	-2.40% Nov 14, 2024 - Nov 21, 2024	-6.43% Dec 18, 2017 - Jan 11, 2018
#13	-2.12% Oct 15, 2024 - Oct 22, 2024	-5.47% Dec 5, 2017 - Dec 18, 2017
#14	-0.63% Nov 26, 2024 - Dec 2, 2024	-3.97% Apr 7, 2005 - Apr 26, 2005
#15	-0.14% Dec 2, 2024 - Dec 4, 2024	-3.61% Jul 11, 2013 - Jul 19, 2013

Correlation

Correlation between OPBK and INBK is 0.62 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.62

-101

Dividend Comparison (2012 - 2026)

OPBK vs INBK dividend yield comparison.

Year	OPBK	INBK
2026	1.65%	0.46%
2025	3.40%	1.15%
2024	3.04%	0.67%
2023	4.38%	0.99%
2022	3.94%	0.99%
2021	2.43%	0.51%
2020	3.64%	0.84%
2019	1.93%	1.01%
2018	0.00%	1.17%
2017	0.00%	0.63%
2016	0.00%	0.75%
2015	0.00%	0.84%
2014	0.00%	1.43%
2013	0.00%	0.98%
2012	0.00%	1.19%