GS
The Goldman Sachs Group, Inc.
GS has a slight edge over OPBK overall, supported by lower modeled downside.
OPBK
OP Bancorp
OPBK offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
OPBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
OPBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPBK.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
OPBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | $10.47 | -30% |
| Forward | 7.3x | $14.96 | — |
| Current | 7.4x | $14.96 | — |
| Fair | 7.9x | $15.97 | +6.8% |
| Expensive | 9.6x | $19.38 | +30% |
Historical ranges are pointers, not guarantees.
OPBK has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
OPBK Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for OPBK, with profitability improving.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over OPBK on earnings, with more consistent year-over-year improvement.
OPBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.05 | +2% |
| Q3 2026 | $2.01 | +28% |
| Q2 2026 | $1.94 | +31% |
| Q1 2026 | $1.83 | +29% |
| Q4 2025 | $1.72 | +24% |
| Q3 2025 | $1.57 | +11% |
| Q2 2025 | $1.48 | +7.2% |
| Q1 2025 | $1.42 | +0.7% |
| Q4 2024 | $1.39 | -10% |
OPBK earned $2.01 per share over the past year, up 28% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
OPBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $27.5M | +12% |
| Q2 2026 | $25.7M | +8.6% |
| Q1 2026 | $24.6M | +10% |
| Q4 2025 | $24.3M | +14% |
| Q3 2025 | $24.5M | +18% |
| Q2 2025 | $23.7M | +16% |
| Q1 2025 | $22.2M | +14% |
| Q4 2024 | $21.3M | +7.2% |
OPBK's revenue has grown year over year for nine quarters in a row: $28M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -1.7 points |
| Q2 2026 | 43% | +7.3 points |
| Q1 2026 | 40% | +5.8 points |
| Q4 2025 | 39% | +8 points |
| Q3 2025 | 40% | +3 points |
| Q2 2025 | 36% | -1.5 points |
| Q1 2025 | 35% | -2.6 points |
| Q4 2024 | 31% | -5.4 points |
OPBK has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
OPBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.2M | +7.6% |
| Q2 2026 | -$7.4M | +$266K |
| Q1 2026 | $7.6M | +80% |
| Q4 2025 | $3.5M | -23% |
| Q3 2025 | $23.4M | +83% |
| Q2 2025 | -$7.7M | -149% |
| Q1 2025 | $4.2M | +$7.5M |
| Q4 2024 | $4.5M | +$6M |
OPBK has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over OPBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
OPBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +13.9K shares |
| 1 year | +0.2% | +36.5K shares |
| 3 years | -1.2% | -185K shares |
| 5 years | -1.6% | -245K shares |
| Available history | -6.1% | -979K shares |
OPBK has 15M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $7,000 |
| Q3 2025 | — |
| Q2 2025 | $713,000 |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $52,000 |
| Q2 2024 | $2.2M |
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over OPBK on leverage, with a lower net debt burden relative to earnings.
OPBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.0x | Net Cash |
| Q2 2026 | -1.5x | Net Cash |
| Q1 2026 | -1.3x | Net Cash |
| Q4 2025 | -1.6x | Net Cash |
| Q3 2025 | -2.4x | Net Cash |
| Q2 2025 | -4.9x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -1.3x | Net Cash |
OPBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OPBK.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
OPBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.1 | Neutral |
| Stochastic | 26.6 | Neutral |
OPBK's weekly RSI is 51 (neutral) and its Stochastic is 27 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
OPBK PE vs Financial Services Sector
| Metric | OPBK | Sector median | Relative |
|---|---|---|---|
| PE | 7.4x | 13x | 43% below |
| PE % | 42 | 63 | 21 pts below |
OPBK has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
OPBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.0 | 0.1% below |
| 20 week MA | $15.2 | 1.6% below |
| 50 week MA | $14.5 | 3.1% above |
| 100 week MA | $13.9 | 7.3% above |
| 200 week MA | $12.3 | 22% above |
OPBK has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 22% above its 200-week average.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
OPBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.2 | $7.38 | -28% |
| 2021 | $7.38 | $12.5 | +70% |
| 2022 | $12.5 | $11.3 | -9.7% |
| 2023 | $11.3 | $11.0 | -3.1% |
| 2024 | $11.0 | $15.6 | +42% |
| 2025 | $15.6 | $14.3 | -8.4% |
| 2026 YTD | $14.3 | $15.0 | +4.9% |
OPBK has the edge over GS on returns for 2026, with the stronger performance.